CIMB Enrich Platinum MasterCard

The best platinum credit card for travel giving unlimited Bonus Miles that can be converted into Enrich Miles for free flights redemption!

15% p.a. interest rate
20 days interest-free period
5.99% p.a. balance transfer over 6 months
Easy Payment Plan (EPP)
RM0.00 annual fee
Earn up to 1x reward point

Benefits
Fees & Charges
Requirements
Features
Review
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Benefits

Because you should be rewarded for giving the bank your business

Rewards

Big rewards with your CIMB credit card. Every RM4 you spend both locally and overseas will earn you 1 Bonus Mile. Exchange every 1000 Bonus Miles your earn to 1000 Enrich Miles.

CIMB Bonus Miles
Earn	Spent
1 point on every RM4	on all overseas retail spends
1 point on every RM4	on all local retail spends

Your CIMB Bonus Miles earned expires in 3 years

Balance Transfer

Consolidate all your credit card outstanding balances to your brand new CIMB Enrich Platinum MasterCard to enjoy lower interest rate at 5.99% p.a. for up to 12 months.

Pay Over	With Interest Rate At	When You Transfer
6 months	5.99% p.a. and no one-time upfront handling fee	from RM1000
12 months	7.99% p.a. and no one-time upfront handling fee	from 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 Over	With Interest Rate At	When You Spend
12 months	0% p.a. and no one-time upfront handling fee	from RM50
24 months	0% p.a. and no one-time upfront handling fee	from RM50
36 months	0% p.a. and no one-time upfront handling fee	from RM50

Learn more about CIMB 0% Easy Pay

Travel

Travel with peace of mind when you charge full airlines tickets to your CIMB Enrich Platinum MasterCard as you will be covered with up to RM1 million travel insurance, including travel inconveniences. Communicate your travel needs to a dedicated CIMB Premier travel desk.

Travel Coverage	Sum Insured
Travel Insurance	Up to RM1000000
Delayed Flight	Up to RM1000
Missed Flight	Up to RM1000
Lost Luggage	Up to RM1000
Delayed Luggage	Up to RM1000

Premium: Get 2x complimentary access annually to Malaysia Airlines Golden Lounge worldwide with your CIMB Enrich Platinum MasterCard.

Fees & Charges

There are always fees but how much are they?

Annual Fee

RM0

Free for life

Annual Fee for Supplementary Card

RM0

Sales and Service Tax

RM25 on each principal and supplementary card upon approval and anniversary date

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

18%

Daily Maximum Cash Withdrawal

RM5000

Requirements

Are you eligible for this credit card?

Minimum annual income: RM24000
Minimum age for primary card holder: 21 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 Enrich Platinum MasterCard review

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

Live a Platinum lifestyle with a travel credit card that rewards Bonus Miles, which are exchangeable to Enrich Miles, and many travel-related perks offered by Malaysia Airlines.

No Annual Fee

As enriching as its name, this card is graced with zero annual fees for both principal and supplementary cards. So go ahead and save while you spend.

Unlimited Bonus Miles

Let the rewards keep rolling in! Consolidate your daily expenses such as dining and shopping in CIMB Enrich Platinum MasterCard to earn Bonus Miles, a reward point that allows you to redeem free flight tickets from Malaysia Airlines.

For every RM4 spent on retail purchases locally and overseas, you will earn 1x Bonus Miles. Not good enough for you? Well now try converting your accumulated Bonus Miles into Enrich Miles on a one to one conversion rate: 1,000 Enrich Miles for every 1,000 Bonus Miles.

Collect enough Bonus Miles, you could be flying in, if not Business, the First Class in your upcoming business or leisure trip as you Bonus Miles can also be used to upgrade your coach!

2x Access to MAS Golden Lounge

Claiming free flight tickets is only the prelude to an exclusive journey; the real journey begins when you reached the Kuala Lumpur International Airport ( KLIA).

By flashing your CIMB Enrich Platinum MasterCard, NRIC and boarding pass, you can enjoy up to 2x access to Malaysia Airlines Golden Lounge domestically, regionally and internationally.

Whether it is prior to departure or while transiting, you can take time to relax and unwind in comfort and privacy from the hustle bustle.

Priority Services

With CIMB Enrich Platinum MasterCard, your cross-border traveling will be enhanced with preferential treatments and privileges, brought exclusively by Malaysia Airlines and CIMB:

Category	Description	Service Provider
Travel	2x complimentary access to MAS Golden Lounge worldwide	Malaysia Airlines
Travel	Dedicated travel assistance and exclusive airlines deals	CIMB Premier Travel Desk

These top-notch services don't end just there. CIMB Enrich Platinum MasterCard extends the privileges to a slew of dining, shopping and travel benefits and offers, courtesy of CIMB Credit Card Privileges.

Travel Insurance Coverage

Receive an automatic travel insurance coverage up to RM1 million whenever you charge full airline tickets to your CIMB Enrich World MasterCard. The insurance coverage also includes travel inconveniences such as lost baggage or flight delay.

Line of Credits

CIMB Enrich Platinum MasterCard does not only ensures you're living in an exclusive lifestyle, but can also serves as your credit lifeline in times of needs via 3 unique line of credits: