Welcome to CIMB

Features and Benefits
	*Extra Miles for Malaysia Airlines Online Purchase* - On every RM1 spend on Malaysia Airlines Online Purchase transaction via www.malaysiaairlines.com will earn you 1 Enrich Mile.
	*Complimentary* - Flights to your favourite destinations with CIMB Enrich MasterCard – Fare Business Class ticket to selected Malaysia Airlines destinations.
	Earn 50% more Enrich Miles - Normal redemption program earns you 1 Enrich Mile for every RM6 spent. But now with CIMB Enrich Gold MasterCard, you’ll earn 1.5 Enrich miles for every RM6 spent for all retail purchases.

	*2X Enrich Miles for overseas spending* - Every RM4 you spend on overseas retail transactions will earn you 2 Enrich Miles. You simply earn more when you travel!
	*Exclusive 10% discount for Temptations, Malaysia Airlines in-flight shopping* - Enjoy shopping in the air with an exclusive discount 10% on almost anything at all while you travel. (Terms & Conditions Apply)
	Earn Extra Enrich Miles from our CIMB Enrich MasterCard Partners - You can also earn additional Enrich Miles when you use your CIMB Enrich MasterCard Platinum at any CIMB Enrich MasterCard Partners.

Exclusive rebates and discounts at over 500 merchant outlets all year round.

• Bi-monthly Promotion Leaflet - Indulge from a fine selection of privileges – exclusive for CIMB Enrich MasterCard members.

Eartners - Yoartners.

	*Up to RM1,000,000 Travel Insurance* - As an exclusive CIMB Bank cardmember, you get to enjoy travel insurance coverage up to RM1,000,000 by charging the full airfare to your credit card. With CIMB card, your travel to any destination abroad is a pleasure of the present.
	Credit Protector - Protect your loved ones from your commitments. This is a vital protection plan for your credit card that will give you greater freedom every time you spend. You can be assured that your family will be free from the burden of paying your credit card bills should the unexpected happen with a minimum cost. Plus, if you have no outstanding balance, you pay absolutely nothing !

Annual Fee waiver plan

	Principal	Supplementary
Annual Fee	RM388	Nil
Waiver at	Total Annual Spending* Required
100%	RM100,000 and above
50%	RM50,000 – RM99,999
No Waiver	Less than RM50,000

Note:
	First year annual fees is waived for principal card
	Total annual spending = Accumulated 12 months retail spending prior to card annual fee date applies to a combined total of both principal and supplementary cards

Income

RM100,000 per annum

Minimum age

Principal - 21 years old
Supplementary - 18 years old

Citizenship

Malaysian citizen only

Documents required
(non-returnable)

A photocopy of IC both sides, including Supplementary applicant’s
Latest salary slips/ EA Form / Form BE or B & income tax receipt / EPF
if self-employed, copies of

	Business Registration Certificate or Form 9 / 24 / 49
	Last 3 months business bank statements

Products/Items

Charges

Annual Fee

FEES & CHARGES

Annual Fee

CIMB Premier Cards by Invitation

CIMB Premier Cards

CIMB Enrich Cards

CIMB Smart Drivers Cards

CIMB Credit Cards

Card Type	MasterCard		VISA
	ENRICH WORLD		INFINITE i
	Principal	Supp	Principal	Supp
1st Year	WAIVED	WAIVED	WAIVED
2nd Year Onwards	RM888*

*Tiered annual spending required for waiver

Card Type	MasterCard		VISA
	WORLD		INFINITE		SIGNATURE
	Principal	Supp	Principal	Supp	Principal	Supp
WAIVED

Card Type	MasterCard
	Platinum		Gold
	Principal	Supp	Principal	Supp
1st Year	WAIVED	WAIVED	WAIVED	WAIVED
2nd Year Onwards	RM388		RM168

Card Type	MasterCard / VISA
	Platinum		Gold
	Principal	Supp	Principal	Supp
1st Year	WAIVED		WAIVED	WAIVED
2nd Year Onwards				RM70

Card Type	MasterCard
	Platinum		Gold		Classic
	Principal	Supp	Principal	Supp	Principal	Supp
1st Year	WAIVED		WAIVED	WAIVED	WAIVED	WAIVED
2nd Year Onwards				RM70		RM35

Card Type	VISA
	Platinum		Gold		Classic
	Principal	Supp	Principal	Supp	Principal	Supp
1st Year	WAIVED		WAIVED		WAIVED
2nd Year Onwards			RM140	RM70	RM70	RM35

Joining Fee

No joining fee

Finance Charge for Retail Transaction

The charges are:
(a) 1.25% per month or 15% per annum if you have promptly settled your minimum payment due for 12 consecutive months

(b) 1.42% per month or 17% per annum if you have promptly settled your minimum payment due for at least 10 months in a 12-month cycle.

(c) 1.50% per month of 18% per annum if your payment record is not within either (a) or (b) above.

Finance Charge for Cash Transaction

1.5% per month or 18% per annum calculated on daily rest basis from transaction date to the date it is settled in full.

Government Service Tax

RM 50 – Each Principal Card
RM 25 – Each Supplementary Card

Cash Advance Fee

The cash advance fee is 5% of the amount advanced or a minimum of RM 15, whichever is higher. This is imposed for each cash advance transaction.

Minimum Monthly Repayment

5% of the outstanding balance or a minimum of RM 50 whichever is higher.

Late Payment Charge

1% of the total outstanding balance as at statement date or a minimum of RM 10, whichever is higher, capped to a maximum of RM 100 and will only be imposed if the minimum payment due is not paid by the third day after relevant due date.

Interest-Free Period

Full payment on previous statement balance:
Enjoy an interest-free period of 20 days for all new retail transactions from statement date.

Partial or minimum payment on previous statement balance:
No interest-free period.
A finance charge will be levied on your unpaid outstanding balance and all new transactions from the date the transactions are posted.

Conversion For Overseas Transactions

The conversion rate as determine by MasterCard International / VISA International plus an administrative cost of 1% plus, any transaction fee charged by MasterCard International / Visa International.

Property Financing

Personal Financing