CIMB Private Wealth World Elite Credit Card — official card artwork

Mastercard · Conventional

CIMB · MALAYSIA

Travel & milesBy invitation

CIMB Private Wealth World Elite Credit Card

Min. annual incomeBy invitation

Principal annual feeRM1,215.09

Card networkMastercardConventional card

View with bank ↗← All CIMB cards

Apple PaySupported

Google PaySupported

12 visits / yearPlaza Premium Lounge + selected Plaza Premium First; Mastercard Travel Pass (DragonPass)

SPENDING ABROAD

Foreign-currency fees

0% bank FX markup

Bank markup waived; card-network charges/conversion still apply. Not a total FX-fee waiver.

Countries / location: Overseas spending; no named-country restriction stated in the linked policy.
Transaction currency: Eligible foreign-currency purchases; a transaction billed in MYR under DCC is different.
Eligible payment method: Eligible foreign-currency retail purchases. Do not assume cash advances or merchant fees are waived.
Fee waived: Additional bank FX markup: 0%.
Conversion & other charges: Card-network conversion rates apply. Network charges are not confirmed as waived.
Minimum spend / cap: No separate spending threshold stated for this bank-markup waiver. Rewards have their own conditions.
DCC / home-currency payment: Explicitly excludes Dynamic Currency Conversion (DCC).
Effective period: Current product policy checked 4 November 2026; no fixed end date stated.

0% fees do not mean a fixed or mid-market exchange rate. Network conversion rates and merchant surcharges are separate. The waiver applies only to the transactions and locations stated above.

BEFORE YOU FLY

Airport lounge access

Annual lounge programme

12 visits / year

Plaza Premium Lounge + selected Plaza Premium First; Mastercard Travel Pass (DragonPass)

Spend & visit rules: No minimum spending requirement for the annual 12-visit programme.
Who can enter: One shared quota for principal and supplementary cards; eligible retail spending can be combined within the same account.; Accompanying guests: 50% off direct-branded Plaza Premium walk-in rates; not automatically free. Children below 2: complimentary entry, subject to outlet rules.
Where it works: 150+ selected PPG locations worldwide; expanded overseas network via Mastercard Travel Pass. Malaysia lounges and Plaza Premium First use PPG, not MTP.
Kuala Lumpur International Airport
Terminal International departures Domestic departures
KLIA T1 ✓ Listed Check in app
KLIA T2 Public area · verify Public area · verify
At T2, the listed Plaza Premium Lounge is on Level 2M at Gateway@klia2, before immigration and security. Check the card’s boarding-pass rules.
How to enter: Travel documents Valid boarding pass. Bring your passport for international departures and overseas lounges.
Lounge credential Smart Traveller / physical card + Mastercard Travel Pass app

Kuala Lumpur International Airport
Terminal	International departures	Domestic departures
KLIA T1	✓ Listed	Check in app
KLIA T2	Public area · verify	Public area · verify

Entry steps & validity

Present eligible card, boarding pass and ID; Smart Traveller QR is available for eligible PPG outlets. MTP requires separate app registration.

Calendar year / qualifying quarter; check remaining balance before each visit.

View eligible lounges Smart Traveller Mastercard Travel Pass

Separate Subang campaign

Up to 12 campaign visits

Sky Lounge / Sky Lounge Xpress

Spend & visit rules: RM2,000 eligible spend in the same calendar month. Programme monthly caps and total availability also apply.
Who can enter: Eligible principal and supplementary cards; visits count against the campaign cap.; No automatic free guest entitlement.
Where it works: SkyPark Terminal, Sultan Abdul Aziz Shah Airport, Subang.
Kuala Lumpur International Airport
Terminal International departures Domestic departures
KLIA T1 – Outside coverage – Outside coverage
KLIA T2 – Outside coverage – Outside coverage
This offer is for Subang Airport.
How to enter: Travel documents Valid boarding pass. Bring your passport for international departures and overseas lounges.
Lounge credential Physical card; separate from Smart Traveller allowance

Kuala Lumpur International Airport
Terminal	International departures	Domestic departures
KLIA T1	– Outside coverage	– Outside coverage
KLIA T2	– Outside coverage	– Outside coverage

Entry steps & validity

Present eligible physical card and valid boarding pass.

1 February 2026 – 31 January 2027; separate promotional allocation.

Campaign details

Check your remaining visits and the card’s participating lounge list before travel.

THE DETAILS

Benefit breakdown

Bonus Points

Bonus Points
Earn per RM1	Eligible spending
10X	Overseas, airlines & duty-free
2X	Other eligible local spending
1X	Local education, insurance & utilities

Fees & charges

Principal annual fee: RM1,215
Annual fee waiver: Conditional waiver for eligible Private Wealth clients; campaign ends 30 June 2027.
Supplementary annual fee: RM0
Service tax: RM25 per physical card on activation and annual renewal
Retail finance rate: 15% / 17% / 18% p.a., based on repayment history
Cash advance interest rate: 18% p.a.; calculated daily from withdrawal
Cash advance fee: 1% or RM4.11, whichever is higher; applicable tax extra
Minimum monthly payment: Higher of RM50 or 5% current balance + all taxes, instalments due and unpaid prior minimum payments
Late payment / compensation: 1% unpaid balance; minimum RM10, maximum RM100
Overseas conversion: Network conversion / fees; no additional 1% bank administration fee
Interest-free retail period: 20 days from statement date, only when full balance is paid on time; excludes cash advances & balance transfers

Requirements

Minimum annual income: Confirm with bank
Product access: Invitation / private banking relationship required; a salary figure alone does not establish eligibility.
Principal minimum age: 21 years
Documents: Identity / passport and income evidence; self-employed applicants also need business registration and bank / tax records.

Payment plans

Balance transfer

Balance transfer
Tenure	Rate	Minimum transfer	Processing fee
6 months	5.99% p.a.	RM1,000	RM0
12 months	7.99% p.a.	RM1,000	RM0

Subject to approval and available limit. Normal finance charges apply after the plan ends.

CIMB 0% Easy Pay

CIMB 0% Easy Pay
Tenure	Rate	Purchase requirement
Up to 36 months	0%	Merchant-specific minimum and available tenures

Participating merchants only. Pay each monthly instalment in full; merchant requirements can differ.

Product features

Availability: By invitation; confirm current invitations with bank
Lounge excess-use charge: RM150 per visit is back-charged if the free quota is exceeded or the qualifying spend is not met. The PPG and MTP allowances above are shared, not additive.
Points redemption: Redeem CIMB Bonus Points for participating airline miles, hotel rewards, gifts or eligible pay-with-points transactions. Each partner has its own conversion rate and minimum; the headline earn multiplier is not miles per RM1.
Purchase protection: Up to USD20,000 purchase protection and USD1,000 e-commerce purchase protection are separate policy benefits; eligible goods, events, claim limits and documents differ.
Rental vehicle protection: Collision damage waiver is available under the linked travel policy; rental eligibility, territorial restrictions, exclusions and excess amounts must be checked before booking.
Travel data: Flexiroam data-roaming privilege is available through the designated Mastercard programme; activation, eligible plan and device requirements apply.
Concierge / assistance: Card-tier concierge and emergency assistance are available through the issuer’s designated provider. Reservations, goods, medical services and transport can be chargeable.

Product disclosure·Card terms·FX fee policy·Terms apply

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.