CIMB Cash Rebate Gold MasterCard credit card

CIMB Cash Rebate Gold MasterCard

Spenty of savings to be had. Have up to 5% cash back on all your purchases including petrol, groceries, and phone bills.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 10% cashback
  • 5.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Earn up to 5% cash back on your online shopping spree! Groceries, petrol, electic bills, and phone bills (Maxis, Digi, or Celcom) get 2% cashback. Capped at RM50 per month. Other spending will get 0.2%.
Discover how much you can save when you shop with your new CIMB Cash Rebate Gold MasterCard
Cashback CategoryCashback RateMonthly CapSpend
Credit Card Interest ChargesSpendany amount10%uncappedany amount
Online SpendSpendany amount5%RM30any amount
PetrolSpendany amount2%RM50any amount
GroceriesSpendany amount2%RM50any amount
Utility BillsSpendany amount2%RM50any amount
Mobile BillsSpendany amount2%RM50any amount
Other RetailSpendany amount0.2%uncappedany amount
Balance Transfer
Are you racking up credit card debt like nobody's business? Apply for the CIMB Bank Balance Transfer with interest rates from 5.99% and payment terms up to 12 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months5.99% p.a. and no one-time upfront handling feefrom RM1000 
12 months7.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about CIMB Balance Transfer Plan
Easy Payment Plan (EPP)
Buy first pay later. Enjoy 0% instalment up to 36 months on your purchases.
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feefrom RM50 
24 months0% p.a. and no one-time upfront handling feefrom RM50 
36 months0% p.a. and no one-time upfront handling feefrom RM50 
Learn more about CIMB 0% Easy Pay
Own a car but spending way too much on RON95 or RON97? Have 2% cash rebate at petrol stations nationwide capped at RM50 per month - that's a few day's lunch already!

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
65 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
CIMB 0% Easy Pay
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
CIMB CashLite
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
CIMB Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

CIMB Cash Rebate Gold MasterCard review

What's so good (or not so good) about it?

CIMB Cash Rebate Gold MasterCard offers you attractive cashback rate for your local as well as overseas spending! Wishing for cash rebate for your daily spending? This card is definately your best choice. Now you can shop and save at the same time!

Annual Fee Waiver

There is no annual fee required for principal and supplementary cardholders. Your annual fee will be waived forever-ever-ever! There's no catch - no minimum annual spending or minimum number of swipes needed, making this the perfect credit card for those just starting to build a solid line of credit.

Cash Back Categories

Crazy for cashback? The CIMB Cash Rebate Gold MasterCard is definitely right on top with the rest in terms of saving money on your spending, especially on your online spending for up to 5% - there's where the party is at these days!

Other cash back categories include 2% on your RON95 and RON97 at petrol stations nationwide including groceries at your favourite supermarket! For all other spending, you get a unlimited cash back of 0.2%.

Special Credit Card Interest Rebate

If your card outstanding balance is not fully settled, finance charges would be charged for the outstanding balance not paid in a tiered basis. 

You will get 10% cash rebate on such finance charges charged and such rebate will be stated on the billed statement. However, this cash rebate on finance charges is not applicable for closed or blocked or overdue accounts! But good news is there's no maximum cash rebate you can earn.

CIMB Balance Transfer

Sign up for CIMB Bank Balance Transfer now to enjoy low interest rates and long payment terms to better manage your outstanding balances - choose from two different balance transfer plans for 6-months and 12-months package.

There will be zero processing fees, no penalty for early settlement, and no additional documents needed to apply!

CIMB CashLite

Need cash fast but it's only the middle of the month? Get instant cash with your available credit limit on your CIMB Cash Rebate Gold MasterCard. You'll only need to make a simple telephone call to CIMB and choose to repay over 12, 24, 36, or 48 months. 

Zero fees, and no documents or guarantor required - it's easier to apply than a normal personal loan from the bank.

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