CIMB Enrich Platinum MasterCard credit card

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 

RinggitPlus will help you all the way! No wait for call, no paper form to fill in, just a simple chat.

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Because you should be rewarded for giving the bank your business

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
1 point on every RM4on all overseas retail spends
1 point on every RM4on 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 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
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 CoverageSum Insured
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM1000
Missed FlightUp to RM1000
Lost LuggageUp to RM1000
Delayed LuggageUp to RM1000
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
  • Free for life
Annual Fee for Supplementary Card
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
Daily Maximum Cash Withdrawal


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 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:

CategoryDescriptionService Provider
Travel2x complimentary access to MAS Golden Lounge worldwideMalaysia Airlines
TravelDedicated 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:

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

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