CIMB Visa Signature Credit Card

Min. annual incomeRM36,000RM3,000 / month equivalent

Principal annual feeRM0

Card networkVisaConventional card

Apple PaySupported

BEFORE YOU FLY

Airport lounge access

Card lounge programme

Selected Plaza Premium Lounge

Spend & visit rules: First year on activation; subsequent annual renewal requires RM36,000 retail / online spend.
Who can enter: Eligible cardholder under the bank’s Visa lounge programme; confirm supplementary entitlement before use.; 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 / Smart Traveller

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

Eligible card + boarding pass + ID. Smart Traveller QR only for supported cards / outlets.

Issuer programme / card anniversary rules apply.

Separate Subang campaign

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.

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

THE DETAILS

Rewards & miles
Earn	Eligible spending
2 points on every RM1	on all overseas retail spending
1 point on every RM1	on all local retail spending

Principal annual fee: RM0
Annual fee waiver: Principal and supplementary annual fees waived.
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: RM36,000
Principal minimum age: 21 years
Documents: Identity / passport and income evidence; self-employed applicants also need business registration and bank / tax records.

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
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.

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.
Travel protection: RM300,000 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.
Insurance qualifying purchase: Full airfare must be charged directly with the airline; travel-agency / online travel-agent purchases are not covered under the issuer’s stated automatic travel protection rule.
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.

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