CIMB Enrich World Elite MasterCard credit card

CIMB Enrich World Elite MasterCard

Exclusive regional golf privileges, Priority Booking for Malaysia Airlines, world travel concierge and comprehensive insurance protection - all in one premier credit card.

  • 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 

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

Earn 1x Bonus Mile for every RM1 swipe overseas and RM2 spent locally. Continue to accumulate Bonus Mile at RM4 per 1x Bonus Mile when you have collected more than 150,000 Bonus Miles annually. Redeem 1,000 Enrich Miles with 1,000 Bonus Miles!
CIMB Bonus Miles
1 point on every RM1on overseas retail spending
1 point on every RM2on local retail spending
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)
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
Enjoy unlimited access to Malaysia Airlines Golden Lounge in and outside of Malaysia, Priority Booking 4 hours ahead of promotions and extra Bonus Mile when you book MAS ticket flight online. Complimentary travel accident, medical insurance and purchase protection (Exchange rate at RM4.15 = US$1).
Travel CoverageSum Insured
Travel InsuranceUp 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 premier credit cardmember, take advantage of 24/7 concierge for hidden vacation retreat and more personalized assistance.

Fees & Charges

There are always fees but how much are they?

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


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?

If you want to know whether your loyalty pays, CIMB Enrich World Elite MasterCard shows just how it is done, with a simple swipe. After all, it is indeed a luxury everyone can dream of, but few can afford.

Faster way to redeem Enrich Miles

Flying with Malaysia Airlines in the Business or First Class is among the many privileges in life; and CIMB enables you to enjoy a pleasurable journey 30,000ft above the ground free of charges under the Airlines Miles Redemption program.

To redeem free flights at a conversion rate of 1,000 Enrich Miles equivalent to 1,000 Bonus Miles, you need to spend on your CIMB Enrich World Elite MasterCard. For every RM1 spent overseas and RM2 spent locally, you will earn 1x Bonus Mile. 

You can collect Bonus Miles up to 150,000 annually, after which the conversion rate will become 1x Bonus Mile for every RM4 spent, both locally and overseas. Just remember, accumulated Bonus Miles have a life span of 3 years.

Double your air miles every time you book your flights on, with every RM1 charged to your CIMB Enrich World Elite MasterCard gets you 2x Bonus Miles.

Unlimited 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 World Elite MasterCard, NRIC and boarding pass, you can enjoy an unlimited 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 World Elite MasterCard, you will be in the front seat for CIMB upcoming promotions such as high fixed deposit rates or dining and hotel discounts. That's not all, your cross-border traveling will be more rewarding as you will get preferential treatments in many categories:

CategoryDescriptionService Provider
TravelExclusive deals and offers with Priority Booking 4 hours ahead of promotionsMalaysia Airlines
TravelExclusive access to MAS Golden Lounge worldwide
Malaysia Airlines
TravelWorldwide concierge services for personal needs
CIMB Enrich World Elite MasterCard Concierge
TravelDedicated travel assistance and exclusive airlines deals
CIMB Premier Travel Desk
TravelEmergency Card Assistance / Emergency Cash Advance, only a phone call away
MasterCard Global Service

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

Plus, you can get VIP access to a "by invitation only" events such as Fashion Weeks, dining with Hollywood celebrities or participating in Super Car rally in Europe.

Comprehensive Insurance Coverage

Receive an automatic insurance coverage whenever you swipe your CIMB Enrich World Elite MasterCard on retail, online spending and full airlines fares. The insurance coverage are as follows:


  • Travel inconvenience & cancellation
  • Travel accident & medical insurance up to RM2 million 
  • Collision Damage Waiver


  • Extended Warranty on your new item purchases
  • Purchase Protection in case of theft or accidental damage
  • E-Commerce Protection up to US$1,000 on online purchases
  • Wallet Protection Insurance up to US$500

Line of Credits

CIMB Enrich World Elite 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

Annual Fee Waiver

All you need to have in order to own a CIMB Enrich World Elite MasterCard credit card is a minimum annual income of RM250,000 and a passion for travel.

The annual fee for this card is RM1,288, which 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 RM288.

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