Mastercard · Conventional
CIMB · MALAYSIA
CIMB World Mastercard Credit Card
Min. annual incomeRM90,000RM7,500 / month equivalent
Principal annual feeRM0
Card networkMastercardConventional card
Apple PaySupported
Google PaySupported
THE DETAILS
Benefit breakdown
Rewards & miles
| Earn | Eligible spending |
|---|---|
| 5 points on every RM1 | on flight ticket purchases (for airlines with predefined MCC of 3000 to 3350 and 4511) |
| 1 point on every RM1 | on other local spending |
Fees & charges
- Principal annual fee
- RM0
- Annual fee waiver
- No principal or supplementary annual fee.
- 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
Requirements
- Minimum annual income
- RM90,000
- 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
| 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.
Product features
- 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.