CIMB Enrich World MasterCard credit card

CIMB Enrich World MasterCard

The ultimate premium World credit card that rewards you with Malaysia Airlines Enrich Miles and incredible travel privileges.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 5.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM623.28 annual fee
  • Earn up to 1x reward point 

Apply online now for CIMB Enrich World MasterCard

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Because you should be rewarded for giving the bank your business

Working hard to save for that year end holiday? With your CIMB credit card, you can earn 1 Enrich Miles for every RM1 spent overseas and 1 Enrich Miles for every RM3 spent locally.
Member Rewards
1 point on every RM1on all overseas retail expenses
1 point on every RM3on all local retail expenses
Your Member Rewards earned expires in  3 years
Balance Transfer
CIMB Balance Transfer offers interest rates from 5.99% and payment terms 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)
WIth CIMB 0% Easy Pay, you get to enjoy up to 36-months of interest free repayments for your shopping.
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
Free air tickets, exclusive airport lounge vouchers, golfing & fine dining privileges, premier help desk services and more.
Travel CoverageSum Insured
Personal AccidentUp to RM1000000
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM1000
Missed FlightUp to RM1000
Lost LuggageUp to RM1000
Delayed LuggageUp to RM998
Rewarding you with Enrich Miles, complimentary tickets, premium travel privileges and more exclusive benefits.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Waived when Spend RM500000 a year
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RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal

*inclusive of 6% GST


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
Invitation 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 MasterCard review

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

When a credit card’s membership is by invitation only, you know that this card is offering something very special. CIMB Enrich World MasterCard is such a card which rewards its cardholders with fantastic Enrich Miles packages and exclusive travel privileges.

Enrich Miles

With CIMB Enrich World MasterCard, cardholders can earn 1 Enrich Miles for every RM1 they charge to this credit card overseas. For local retail purchases, they get to earn 1 Enrich Miles for every RM3 spent.

Moreover, CIMB Enrich World MasterCard cardholders can earn extra Enrich Miles by booking their flights with Malaysia Airlines online. By charging their airfare to this credit card via Malaysia Airlines’ Online Booking, cardholders will be rewarded with 1 Enrich Mile for every RM1 spent. With so many opportunities to earn Enrich Miles, CIMB Enrich World MasterCard cardholders can redeem more Enrich rewards including free flights, flight upgrades etc.

Free Air Tickets

CIMB Enrich World MasterCard instantly rewards cardholders with free air tickets. When you purchase one First Class or Business Class Malaysia Airlines ticket to selected Malaysia Airlines destinations with this credit card, you will receive one complimentary air ticket.

Airport Lounge Access

The prestige of CIMB Enrich World MasterCard enables cardholders to travel in style. They are entitled to 2 Exclusive Golden Lounge vouchers to access the Malaysia Airlines Golden Lounge at KLIA and various international airports. Once there, they can relax and enjoy world-class food & beverage as well as facilities.

Golfing in Asia

If you are an avid golfer, then you are in for a treat as a CIMB Enrich World MasterCard cardholder. You will receive complimentary access to some of the world’s renowned golf courses located in Malaysia, Singapore and Indonesia.

Other Travel Perks                  

The travel needs of CIMB Enrich World MasterCard cardholders are also well taken care of with the Dedicated CIMB Premier Travel Desk Services. This travel assistance centre will help you book your hotels or travel packages and provide any information you need on your destination to ensure that you are well prepared for your trip.

Annual Fee Waiver

New CIMB Enrich World MasterCard cardholders will receive a first-year annual fee waiver of RM588, subject to 6% GST. Thereafter, cardholders can earn 100% fee waiver with total annual spending of RM500000 and above. If you spend between RM250000 to RM500000 you will receive a 50% waiver. No waiver is awarded if the total annual spending is less than RM250000.

First-class Privileges

Only a selected elite group will be invited to register for CIMB Enrich World MasterCard which denotes the high standards of its frequent flyer rewards programme and travel privileges. Cardholders can expect nothing less than stellar benefits from this credit card.

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