CIMB Enrich World Elite MasterCard credit card

CIMB Enrich World Elite MasterCard

A premium card that offers you exclusive privileges on travel, shopping, dining, golf and even 24/7 personalised assistance concierge!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 5.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM1288.00 annual fee
  • Earn up to 1x reward point 

Apply online now for CIMB Enrich World Elite MasterCard

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Because you should be rewarded for giving the bank your business

Extra miles with every swipe and 1 Bonus Miles for every RM1 you spend on flights booked online via After you've accumulated more than 150,000 Bonus Miles annually continue to earn them at 1 Bonus Miles for each RM4 spent.
CIMB Bonus Miles
1 point on every RM1on overseas retail
1 point on every RM2on local retail
Your CIMB Bonus Miles earned expires in  3 years
Balance Transfer
Consolidate all your credit card outstanding balances to your brand new CIMB Enrich World Elite 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)
Zero instalment rate is made available on your purchases with participating merchants. CIMB 0% Easy Pay offers instalment period of up to 36 months.
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
Enjoy unlimited access to Malaysia Airlines Golden Lounge in Kuala Lumpur, Penang, Kota Kinabalu, Kuching, London and Melbourne. Complimentary travel insurance on flight tickets charged to your card, including RM30,000 on flight cancellations and emergency medical evacuation up to RM8,000,000. (Exchange rate at RM4 = USD1).
Travel CoverageSum Insured
Personal AccidentUp to RM4000000
Delayed FlightUp to RM3600
Missed FlightUp to RM2600
Lost LuggageUp to RM12000
Delayed LuggageUp to RM1800
Complimentary green fees of up to 4 times a year at the participating golf courses in Malaysia, Singapore, Indonesia and Thailand. As a premium member, you can take advantage of 24/7 concierge for hidden vacation retreat and more personalised assistance.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Waived when when you spend RM1,000,000 a year. 50% waiver when you spend RM500,000 - RM999,999
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

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


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 World Elite MasterCard review

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

World Elite is a luxury that many can dream of but few can afford. An exclusive card for the select few, CIMB Enrich World Elite MasterCard offers exclusive benefits for travel, shopping, dining, golfing and more - only when you earn more than RM250,000 annually.

Rewards, Rewards, and more Rewards

For every RM2 that you spend with your CIMB Enrich World Elite MasterCard, you will get 1 Bonus Mile, and it’s even better when you travel. Take a vacation overseas and every RM1 you spend on this card earns you 1 Bonus Mile, getting you more for your buck.

Want even more travel rewards? Book all your flights on and get doubly rewards, because every RM1 gets you 2 Bonus Miles.

And just when you thought that this World MasterCard has nothing left to offer, for every 1,000 Bonus Miles earned you can redeem 1,000 Enrich Miles to book your next travel getaway. Just remember, all Bonus Miles accumulate have a life span of 3 years.

Can you believe the CIMB Enrich World Elite MasterCard has more to offer? It has. All Bonus Miles have a pretty long life span of 3 years, but not only that, they can be converted into Enrich Miles. Easily redeem 1,000 Enrich Miles when you exchange it with 1,000 Bonus Miles.

Save more with Balance Transfers

Consolidate your outstanding credit card balances to your CIMB Enrich World Elite MasterCard and enjoy lower than low credit card rates. Payment plans over a 6-month period have an interest rate of only 5.99% with transfers beginning at RM1,000, and no handling fees.

Need a longer period, go for a 12-month repayment period and your interest rate is still only 7.99%, with the minimum transfers beginning at RM1,000.

The Super Easy Payment Plan

Can’t pay upfront? With CIMB 0% Easy Pay, cardholders are offered instalment periods up to 36 months with 0% interest rate with charges beginning at RM 50. Not forgetting to mention, the non-existent handling fee.

Exclusive Travel Privileges

Travel lite’ and worry free with the world travel card that has got you covered. All cardholders are entitled to complimentary travel insurance of up to USD2,000,000. So don’t sweat the details and let CIMB travel protection plan take care of you.

Wherever you go, enjoy unlimited access to several Malaysia Airlines Golden Lounges both here in Kuala Lumpur and across the world.

If you have the heart and soul of a golfer, the CIMB Enrich World Elite MasterCard offers you complimentary green fees up to 4 times a year at participating golf courses in Asia.

Fees and Charges you should know

All you need to be a CIMB Enrich World Elite MasterCard cardholder is a minimum annual income of RM250,000 and a love for travel.

The annual fee for this card is only, RM1,288 and can be waived when you spend a minimum of RM1,000,000 a year. If you have a supplementary card, the annual fee is only RM 288.

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