Best CIMB Credit Cards in Malaysia 2026

Updated: 12 November 2026

CIMB has 14 credit cards, covering cashback, Bonus Points, airport lounge access and travel insurance. RinggitPlus compares all of them on this page and checks the terms against CIMB's own product pages and fee schedule.

• Income: seven cards ask for RM2,000 a month. The Travel World Elite asks for RM20,833.
• Annual fee: RM0 on most cards. The e Credit Card charges RM80, the Travel World RM554.72 and the Travel World Elite RM1,215.09. Every card also costs RM25 a year in service tax.
• Interest: conventional cards charge 15%, 17% or 18% p.a. depending on your payment record. The Lite-i charges a fixed 14%.
• Rewards: three cards pay cashback and ten pay Bonus Points.
• Lounges: seven cards include Plaza Premium visits, and all seven include Subang Sky Lounge.

How Much Do You Need To Earn For A CIMB Credit Card?

The principal cardholder must be at least 21, and a supplementary cardholder must be at least 18. The table lists the minimum income and annual fee for each card, from the lowest income to the highest.

Select a card's name in the table to open its page. The steps to apply are at the end of this page.

CIMB@Work customers need RM5,000 a month for the Travel World and the PETRONAS Visa Infinite-i, instead of RM8,333 and RM10,000.

A supplementary card draws on the same credit limit as your own, and you stay responsible for everything it charges. CIMB waives the annual fee on supplementary cards.

Bank Negara Malaysia (BNM) adds limits if you earn RM36,000 a year or less. You can hold cards from two issuers at most. Each issuer can set your limit at no more than twice your monthly income, according to BNM's credit card measures. At RM2,000 a month, that's a limit of RM4,000. RinggitPlus explains the rules in its guide on how many credit cards you should have.

Which CIMB Credit Cards Pay Cashback?

Three CIMB cards pay cashback. The CIMB Cash Rebate Platinum Credit Card covers groceries, petrol, cinema and bills. The CIMB PETRONAS Visa Platinum-i and CIMB PETRONAS Visa Infinite-i cover fuel, Setel and EV charging at PETRONAS stations, plus groceries, dining and cashless parking.

Each card's highest rate needs a minimum statement balance, and each pays up to a fixed cap in every statement cycle.

Below the highest rate, the Cash Rebate Platinum pays 2% on a statement balance under RM3,000. The PETRONAS Visa Platinum-i pays no cashback below a RM500 statement balance. The PETRONAS Visa Platinum-i pays 4% at PETRONAS and 1% on groceries, dining and cashless parking from RM500 to RM1,999. The Infinite-i pays 6% at PETRONAS and 3% on those categories from RM1,500 to RM3,999.

• The CIMB Cash Rebate Platinum reaches its RM30 cap after RM600 of spending in its categories at the 5% rate. That rate needs a RM3,000 statement balance. At 2%, it takes RM1,500. The most it pays is RM360 a year.
• The CIMB PETRONAS Visa Platinum-i reaches its RM50 cap after RM625 at PETRONAS stations at the 8% rate, which needs a RM2,000 statement balance.
• The Infinite-i reaches RM60 after RM500 at its 12% rate, which needs a RM4,000 statement balance.

Your statement balance is your new spending plus anything carried over from last month, minus payments made before the statement date. If you spend RM2,500 and pay RM1,000 before the statement date, your statement balance is RM1,500. On the Platinum-i, that drops PETRONAS cashback from 8% to 4%.

Both PETRONAS cards are Islamic cards, which is why their names end in -i. CIMB also has an Islamic Preferred Visa Infinite-i for Preferred clients, but its page doesn't list separate terms, so this page covers the conventional card. Since 1 January 2026, CIMB Islamic's cards have used a Tawarruq contract instead of Ujrah. The bank sells you commodities on deferred payment, then sells them for cash to set your credit limit. Annual fees, rebates and the profit rate stay the same. RinggitPlus explains the switch to Tawarruq.

CIMB has discontinued the older CIMB PETRONAS Platinum and PETRONAS Platinum-i cards, and cancelled them by 30 June 2025. PETRONAS Platinum cardholders moved to the CIMB Cash Rebate Platinum. PETRONAS Platinum-i cardholders moved to the CIMB Platinum-i. CIMB also no longer takes applications for the CIMB Platinum BusinessCard.

What Do CIMB Rewards And Travel Cards Pay In Bonus Points?

Ten CIMB cards pay Bonus Points. Most pay higher rates on travel, dining or online spending, and the Platinum and Platinum-i pay 1X on everything. Bonus Points redeem for flights with CIMB's airline partners, for hotel stays, or as payment at participating merchants. At those merchants, 500 Bonus Points equal RM1.

The e Credit Card earns up to 12X on the 28th of each month, and the Travel World Elite earns 10X on travel spending with no cap.

Airline spending on the Travel Platinum, Travel World and Travel World Elite earns the higher rate only when you buy directly from the airline. Tickets bought through travel agents don't count. CIMB's World Mastercard page sets this condition only for its travel insurance, not for points.

On the CIMB e Credit Card, points are capped at 20,000 per statement cycle. E-wallet spending earns no Bonus Points on any CIMB card.

Overseas spending costs the Mastercard or Visa exchange rate, a 1% administrative cost and any scheme fee. The Travel World Elite has no extra 1% cost. On RM10,000 of overseas spending on another card, the administrative cost alone is RM100.

Which CIMB Credit Cards Include Travel Insurance?

Seven cards carry CIMB's free air travel cover. Six are the Travel Platinum, Visa Signature, World Mastercard, Travel World, Visa Infinite and Preferred Visa Infinite. The seventh, the PETRONAS Visa Infinite-i, has takaful cover with the same limits. Cover applies when you pay the full fare with the card. CIMB's card pages, such as the World Mastercard page, say it applies only to tickets bought directly from the airline, not through a travel agent.

Since 1 August 2025, the payout for death or permanent disablement is RM300,000, down from RM1,000,000.

CIMB dropped baggage, missed flight and car rental cover in the same revision. The Travel World Elite has separate end-to-end cover from AIG, and CIMB's page doesn't list the limits.

The CIMB Platinum, Cash Rebate Platinum and e Credit Card also lost this cover. RinggitPlus has the full before-and-after comparison.

How Do Annual Fee Waivers Work On The CIMB Travel World Cards?

The Travel World charges RM554.72 a year and the Travel World Elite charges RM1,215.09, but CIMB waives the fee when you spend enough. Only the Travel World Elite has a standard waiver.

• The new cardholder campaign runs from 1 October to 31 December 2026, and CIMB must approve your card by 14 January 2027. CIMB's campaign terms list the full conditions.
• It's for new-to-card principal cardholders aged 21 or above. You don't qualify if you hold a CIMB principal credit card, or cancelled one in the last six months.
• CIMB credits the waiver as cashback within six weeks. Instalments, fees, cash advances, JomPAY, FPX, DuitNow QR and e-wallet transactions don't count towards the spending.
• The existing cardholder campaign runs until 31 December 2026 for cards approved before 1 January 2026. You must also repay the card from a CIMB current or savings account, as CIMB's existing cardholder terms explain. The number of repayments from that account depends on your annual fee month. You need one if it's January, two if it's February and three from March to December.
• The standard waiver has no campaign dates, and CIMB lists it only on the Travel World Elite page. CIMB counts spending in the 12 months before your annual fee date.
• A 50% waiver cuts the Elite's fee to RM607.55. Full terms are on CIMB's travel credit card page.

Which CIMB Credit Cards Include Airport Lounge Access?

The seven cards in the table include airport lounge access. Plaza Premium visits are free on most of them, while Subang Sky Lounge visits require monthly spending.

"Shared" means a supplementary cardholder uses the same visits. The Preferred Visa Infinite's visits run until 30 June 2027.

The quarterly spending for the Travel Platinum and Travel World comes from CIMB's travel card lounge terms, not the card pages. Sky Lounge visits require RM2,000 in spending in the same calendar month, with up to 4 visits per month. The 12 visits a year in the table is the total for the year. The offer runs from 1 February 2026 to 31 January 2027, according to CIMB's Sky Lounge terms.

What Other CIMB Credit Card Promotions Are There?

CIMB changes its flight, Grab and fee waiver campaigns often, so check CIMB's travel promotions page for the current ones.

In-flight WiFi cashback on 39 airlines has no end date listed. It's up to RM30 a statement on the Travel Platinum and Visa Signature. The Visa Infinite and Travel World pay up to RM50, and the Travel World Elite and Preferred Visa Infinite pay up to RM80.

What Does The CIMB Lite-i Credit Card Charge On A Balance You Carry?

The CIMB Lite-i Credit Card charges a fixed 14% p.a. profit rate and pays nothing back on spending. CIMB launched it on 7 October 2026. The fixed rate applies to both retail purchases and cash advances. RinggitPlus has more on the 14% profit rate.

On RM5,000 carried for a full year, 14% costs RM700. At 15% the same balance costs RM750, and at 18% it costs RM900.

What Do CIMB Credit Cards Charge In Fees?

CIMB adds RM25 service tax to each principal and supplementary card when you activate it and at every renewal. A card with no annual fee still costs RM25 a year in service tax, or RM50 with one supplementary card. If you plan to close a card, read what to check before you cancel a credit card first, because the tax is due at renewal.

CIMB charges these fees on its personal credit cards, according to CIMB's fee schedule.

Which CIMB Plans Spread Out A Payment Or Move A Balance?

CIMB has four plans for balances and large purchases.

CIMB illustrates the Flexi Payment Plan at 9.88% flat per year. A RM1,000 purchase over 12 months comes to RM91.57 a month, or RM1,098.84 in total. CIMB puts the effective rate at 17.76% p.a. over 12 months. It's 16.74% over 6 months and 17.95% over 24 months. CIMB charges no processing fee. Converted purchases earn no Bonus Points or cashback.

On a balance transfer, CIMB charges 18% p.a. on any approved balance still unpaid after the tenure ends, according to its balance transfer form. The minimum is RM1,000 per application and per bank, and the Balance Transfer Plan has no processing fee. RinggitPlus explains what to check before you apply for a balance transfer.

0% Easy Pay works only at participating merchants. A missed instalment brings finance charges on the outstanding balance, as CIMB's 0% Easy Pay page explains. RinggitPlus compares when to use a balance transfer or an easy payment plan.

CashLite has no cash advance fee, and CIMB pays the money into your bank account within 5 working days of your application.

CIMB's CashLite page shows the effective rate as 17.76% for 12 months, 17.95% for 24, 17.72% for 36 and 17.41% for 48. You apply by calling CIMB on 03-6204 7788 or leaving your details on that page. Since 19 June 2026, CIMB charges 18% p.a. daily on any early settlement balance you don't pay in full on the settlement date, and extra payments don't reduce the principal.

What Interest Rate Does A CIMB Credit Card Charge?

CIMB charges 15% p.a. on retail balances if you've paid at least the minimum on time for 12 consecutive months. It charges 17% if you've done so for at least 10 of the past 12 months, and 18% otherwise. BNM's tiered pricing rule caps the rate at 15% after 12 on-time months and at 18% for everyone else. CIMB adds the 17% tier between them. Cash advances cost 18% p.a. from the transaction date.

How Much Is The Minimum Payment, And What Happens If You Pay Late?

The minimum payment is 5% of your current balance plus service tax, instalments and any unpaid earlier minimums, or RM50, whichever is higher. On a RM3,000 balance, 5% is RM150 before those extras. Miss the due date and CIMB charges 1% of the unpaid balance, with a minimum of RM10 and a maximum of RM100. On the same RM3,000 balance, that's RM30.

How Do You Pay A CIMB Credit Card Bill?

You can pay through the CIMB OCTO App or the CIMB Clicks website, as CIMB's app tips page shows. CIMB moved card payments out of the CIMB Clicks mobile app in December 2024, so use the OCTO App on your phone.

How Do You Apply For A CIMB Credit Card Through RinggitPlus?

Applying takes three steps.

1. Select Apply Now. RinggitPlus continues the application with you on WhatsApp.
2. Give your name as it appears on your IC, your mobile number and your email address, and say what you want the card for.
3. CIMB assesses the application and contacts you with its decision.

Banks usually ask for these documents, and the exact list varies by bank.

• Salaried applicants give a copy of their IC and either their last three months of payslips or an EPF statement.
• Self-employed applicants give business registration documents plus six months of bank statements or their latest Form B.
• Read how to apply for a credit card for what banks check and what to do if you're rejected.
• Read how to increase your credit card limit if your salary has gone up.
• See RinggitPlus's cashback credit cards, travel credit cards and credit cards with free airport lounge access to compare other banks. You can also browse all credit cards.
• See the CIMB Debit Mastercard if you want a debit card instead.
• Why a credit card gets blocked or frozen
• What to do if your credit card is used for fraud
• How to spot and avoid financial scams