Welcome to CIMB

Features and Benefits
	Waived For Life - Experience year after year of financial freedom with no joining or annual fees, ever
	Rebate Offers - Watch out for our rebate offers from time to time and enjoy these exclusive rewards!
	Special Rebate Offers - Enjoy special rebate at participating merchants.

MasterCard PayPass - Fast , easy and no signature required. Just ‘tap & go ‘ at merchant’s point – of –sale PayPass reader for any amount below RM 150.00

Platinum Indulgence - Pamper your exquisite desires from a fine selection of preferential privileges, catered exclusively for CIMB Bank Platinum cardmembers

Up To RM 1 Million Travel Insurance - Travel to any destinations in the world with your loves ones, with reassurance confidence and peace of mind.

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