CIMB Cash Rebate Platinum MasterCard credit card

CIMB Cash Rebate Platinum MasterCard

Rebates galore with a swipe: Up to 5% cashback on cinema, groceries, petrol, mobile and utilities, 2% on foreign currency spend and 0.2% cashback on everything else!

  • 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

Apply online now for CIMB Cash Rebate Platinum MasterCard

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Spend RM3,000 and above with your CIMB Cash Rebate Platinum MasterCard, get up to 5% cashback on Cinema, Groceries, Petrol, Mobile and Utility, with all purchases capped at RM30 per month. Everything else will gets an unlimited 0.2% cashback!
Discover how much you can save when you shop with your new CIMB Cash Rebate Platinum MasterCard
Cashback CategoryCashback RateMonthly CapSpend
Credit Card Interest ChargesSpendany amount10%uncappedany amount
CinemaSpendfrom RM3000 and above monthly5%RM30from RM3000 and above monthly
CinemaSpendup to RM2999 monthly2%RM30up to RM2999 monthly
Petrol & GroceriesSpendfrom RM3000 and above monthly5%RM30from RM3000 and above monthly
Petrol & GroceriesSpendup to RM2999 monthly2%RM30up to RM2999 monthly
Mobile & Utility Bills via Standing InstructionSpendfrom RM3000 and above monthly5%RM30from RM3000 and above monthly
Mobile & Utility Bills via Standing InstructionSpendup to RM2999 monthly2%RM30up to RM2999 monthly
Foreign Currency SpendSpendany amount monthly2%RM30any amount monthly
Other Retail or Online SpendSpendany amount monthly0.2%uncappedany amount monthly
Balance Transfer
Consolidate your credit card outstanding balance and transfer to CIMB Balance Transfer to enjoy the interest rate from as low as 5.99% p.a. for 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)
Enjoy interest-free installment and flexibility in your repayment up to 36 months with CIMB 0% Easy Pay.
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
Petrol
Up to 5% cash rebates on fuel spending at all petrol stations nationwide, capped at RM30 per month.
Premium
Enjoy additional 10% off hotel booking on Expedia for a limited time until 31st December 2017!

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
Annual Fee for Supplementary Card
RM0
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
RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
RM5000

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
65 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysians Only

Features

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 Platinum MasterCard review

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

Cashback credit cards are popular among Malaysians, used correctly they are a great way to save money. CIMB Cash Rebate Platinum MasterCard is a heavyweight in this category, offering cardholders up to 10% cashback on a wide range of categories.

No Annual Fee

You don't have to pay an annual fee for a lifetime. All you have to pay for is the compulsory government service tax, but that can be easily offset by swiping your CIMB Cash Rebate Platinum MasterCard and take advantage of the attractive cashback rates.

Cashback Galore

If you've been scratching your head thinking of how to save on your expenses, you can easily by-pass your worries with CIMB Cash Rebate Platinum MasterCard, offering you a world of cash rebate with just a swipe!

Unlike most of the cashback credit cards in the Malaysian market currently, CIMB Cash Rebate Platinum MasterCard has the broadest cashback categories for a multitude of transactions. Below are the categories, with each having unique cashback amount and transaction: 

Cashback AmountCashback CategoryTransaction Descriptions
10%Monthly Interest ChargedExtremely beneficial for those languishing over their credit card outstanding balance as this cashback has no capping and will be used toward payment of the finance charges only
5%Cinema, Petrol, Groceries, Mobile and Utility Bill Payment (via Standing Instruction)
Applicable when your Statement Balance hits RM3,000 and above, including any outstanding balances which are carried forward from the previous months' statement, plus new transactions made in the current month! (capped at RM30 per month)
2%Cinema, Petrol, Groceries, Mobile and Utility Bill Payment (via Standing Instruction)
For Statement Balance of up to RM2,999, including any outstanding balances which are carried forward from the previous months' statement, plus new transactions made in the current month! (capped at RM30 per month)
2%Foreign Currency SpendA new category allowing CIMB credit cardholders to maximize overseas spending! Stash your cash away and swipe your Cash Rebate Platinum MasterCard instead (capped at RM30 per month)
0.2%
Other Retail or Online Spend
Earn unlimited cashback for all purchases under this category!

Special 'Finance Charges' Cash Rebates

You know how it goes - you think you can run away from your credit card outstanding balance forever, but that's dangerous! You'll have to pay interest charges which can really wreck your finances if not put under control. 

With the CIMB Cash Rebate Platinum MasterCard, you will be able to earn 10% cash rebate on these interest charges and it will be reflected in your monthly statement. This rebate will be used to pay only for your interest charges and there is no capping on how much you can earn.

Line of Credits

There are more than just cashback with CIMB Cash Rebate Platinum MasterCard if you know how to fully utilize it. Whether you are aware or not, this cashback credit card can serve as your credit lifeline in times of needs via 3 unique line of credits:

  • CIMB Balance Transfer Plan
  • CIMB 0% Easy Pay
  • CIMB CashLite

Read More