CIMB SME BusinessCard

Min. annual incomeBusiness assessment

Principal annual feeRM0

Card networkMastercardConventional card

BEFORE YOU FLY

Airport lounge access

Card lounge programme

Selected Plaza Premium Lounge

Spend & visit rules: RM3,000 eligible retail per calendar quarter for 1 visit that quarter.
Who can enter: Eligible business cardholder; quarterly qualification applies.; Guests are chargeable unless explicitly included by the card’s programme. Check the outlet and current card-specific rule.
Where it works: Selected Malaysia and overseas outlets in the official issuer list.
Kuala Lumpur International Airport
Terminal International departures Domestic departures
KLIA T1 ✓ Listed – Outside coverage
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 Physical card

Kuala Lumpur International Airport
Terminal	International departures	Domestic departures
KLIA T1	✓ Listed	– Outside coverage
KLIA T2	Public area · verify	Public area · verify

Entry steps & validity

Present the eligible physical card at the lounge.

Issuer programme / card anniversary rules apply.

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

THE DETAILS

Company cashback
Rate	Eligible spending	Cap
0.5%	Eligible local retail	Uncapped
1.25%	Eligible overseas retail	Uncapped

Principal annual fee: RM0
Annual fee waiver: Lifetime annual fee waiver.
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; 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

Minimum annual income: Company / facility assessment
Product access: Malaysian-registered sole proprietorship, partnership, LLP or private limited company, operating for at least two years; bank assessment applies.

Travel protection: RM1 Million maximum advertised travel insurance cover. Charge the full eligible fare to the card; insured persons, sub-limits and exclusions follow the policy. A maximum sum insured is not every claim’s payout.

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