CIMB Enrich World MasterCard

A truly travel credit card gives you 8x access to MAS golden lounge, Enrich Miles conversions, exclusive golf privileges and complimentary insurance coverage.

CIMB Enrich World MasterCardExclusive Golf Benefits
Min. Income
Annual Fee
Balance Transfer
From 5.99% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a FREE
RM100 Petronas Gift/RM500 Cash Back/Samsung Galaxy A10
worth RM500
when you apply through RinggitPlus3

RM100 Petronas Gift/RM500 Cash Back/Samsung Galaxy A10


Saving for your end-year holiday? Charge your CIMB Enrich World MasterCard and earn 1 Bonus Mile for every RM1.50 spent overseas and 1 Bonus Mile for every RM3.00 spent locally.

CIMB Bonus Miles
1 point on every RM1on all overseas retail spends
1 point on every RM3on all local retail spends


Travel with peace of mind when you charge full airlines tickets to your CIMB Enrich World 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 RM1,000,000
Delayed FlightUp to RM1,000
Missed FlightUp to RM1,000
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM1,000


Exclusive access to MAS golden lounge at selected airport worldwide up to 8x per year for principal cardholders and priority booking 4 hours ahead of promotions. That's not all, you can tee-off at your favorite golf courses up to 4x in a year for a limited time only!

Balance Transfer

Consolidate all your credit card outstanding balances to your brand new CIMB Enrich World 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 RM1,000
12 months7.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about CIMB Balance Transfer Plan

Easy Payment Plans

Enjoy interest-free installment and flexibility in your repayment up to 36 months with CIMB 0% Easy Pay.

CIMB 0% Easy Pay
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feeRM50
24 months0% p.a. and no one-time upfront handling feeRM50
36 months0% p.a. and no one-time upfront handling feeRM50
Learn more about CIMB 0% Easy Pay

Fees & Charges

Annual Fee
  • RM554.72 primary card

    Waived when when you spend RM500,000 a year. 50% waiver when you spend RM250,000 - RM499,999

  • RM0 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, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to RM5,000


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysians Only


Easy Payment Plan
CIMB 0% Easy Pay
Enjoy up to 36 months of interest-free instalment payments on your next shopping spree with a CIMB Bank credit card. Only at selected merchants only.
Cash Advance / Cash Loan
CIMB CashLite
Extra cash with hassle free application and zero processing fees! Get financial help when you need it most without the trouble of getting a guarantor.
Balance Transfer Plans
CIMB Balance Transfer Plan
Flexible repayments and zero processing fees! This is an easy to apply balance transfer plan with no supporting documents needed.


Accelerate your Bonus Miles earning every time you spend with CIMB Enrich World MasterCard - a travel credit card that gives your airmiles redemption and a host of privileges from dining, hotel and shopping to premium golfing in the region. Travel the world as is there is no tomorrow!

Redeem Enrich Miles with Bonus 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 MasterCard. For every RM1.50 spent overseas and RM3 spent locally, you will earn 1x Bonus Mile.

Just remember, accumulated Bonus Miles have a life span of 3 years.

8x 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 MasterCard, NRIC and boarding pass, you can enjoy up to 8x 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 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
Travel8x complimentary access to MAS Golden Lounge worldwideMalaysia Airlines
TravelDedicated travel assistance and exclusive airlines dealsCIMB Premier Travel Desk

These top-notch services don't end just there. CIMB Enrich World 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.

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 World 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 MasterCard credit card is a minimum annual income of RM100,000 and a passion for travel.

The annual fee for Principal cardholder is RM588, which can be waived when you spend a minimum of RM500,000 a year, whereas supplementary cardholder can enjoy free for life credit card usage.