CIMB Enrich Gold MasterCard credit card

CIMB Enrich Gold MasterCard

The best Gold credit card for easy Malaysia Airlines Enrich Miles with no annual fees. Earn 50% more Enrich Miles when you book your flights online.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 5.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM178.08 annual fee
  • Earn up to 2x reward points 


Because you should be rewarded for giving the bank your business

Enjoy great rewards whenever you spend with your CIMB credit card. Earn a maximum of 2X Enrich Mile Points everytime you spend RM4 you spend overseas. The points that you earned will have 3-year expiry.
Enrich Miles
2 points on every RM4on all overseas retail expenses
1.5 points on every RM6on all other expenses
1 point on every RM1on Malaysia Airlines online bookings
Your Enrich Miles earned expires in  3 years
Balance Transfer
CIMB Bank Balance Transfer offers 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)
WIth CIMB 0% Easy Pay, you get to enjoy up to 36-months of interest free repayments for your shopping.
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
Earn 50% more Enrich Miles - you’ll earn 1.5X Enrich miles for every RM6 spent for all retail purchases and 1 Enrich Mile for every RM1 you spend on MAS flight bookings. You simply earn more when you travel!
Exclusive dining and shopping perks and privileges! Discover amazing deals and discounts when you shop and dine in Malaysia.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • you are the principal cardholder. Free for first year.
  • Waived when you spend at least RM50,000 a year.
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
RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal

*inclusive of 6% GST


Are you eligible for this credit card?

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


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 Enrich Gold MasterCard review

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

Never been in First Class and curious what it has got to offer? Enjoy a life of privileges and rewards with CIMB Enrich Gold MasterCard - the ideal Gold credit card if you want to earn Malaysia Airlines Enrich Miles fast with easy flight redemption and seat upgrades.

Earn Enrich Miles Faster!

It's twice as rewarding to spend when you travel overseas - everytime you cringe at the expensive pricetag when paying in a foreign currency, remember that you'll collect 2x Enrich Miles when you swipe your CIMB credit card. You will be able to earn 2 Enrich Miles for every RM4 you spend abroad.

So what does that mean? This credit card is not the only one that'll reward you with air miles, but it definitely has the edge with its attractive conversion rate. You can also earn more than 50% additional points at Enrich partners merchants in Malaysia - every RM6 you spend on all retail purchases locally, you will earn 1.5 Enrich Miles.

More Rewards From MAS

You don't have to go to travel agents anymore for cheaper flights. With every RM1 spent on Malaysia Airlines tickets online, you can earn 1 Enrich Mile. Imagine how much cheaper your Europe backpacking trip will be with all your accumulated air miles! 

You can redeem tickets for hundreds of destinations worlwide, and upgrade your seat from Economy to Business or even First Class for your Enrich Miles.

Interest Free Period

Itching to get your hands on that expensive designer bag or watch, but you're still weeks away from payday? Enjoy the convenience 20 interest-free days for all new retail expenses, starting from the statement date. 

Annual Fees Waiver

For principal cardmembers, your first year annual fee will be waived. For the years after, you'll have to spend at least RM50,000 for a 100% waiver. For spending of RM25,000 to RM49,999, you'll only enjoy 50% off.

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