CIMB Enrich World MasterCard

A truly travel credit card that gives you up to 8x access to MAS Golden Lounge, Enrich Points conversions, exclusive golf privileges and complimentary insurance coverage.

CIMB Enrich World MasterCardAir miles and travel 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


Charge your CIMB Enrich World Credit Card to earn 1 Bonus Miles for every RM1.50 spent overseas, and 1 Bonus Mile for every RM3 spent locally. Every 1,000 Bonus Mile that you've collected can be redeemed with 1,000 Enrich Points.

CIMB Bonus Mile
1 point on every RM2overseas spend
1 point on every RM3local spend


Charge your full airline tickets to your CIMB Enrich World Credit Card & get covered with up to RM1 Million travel insurance. Communicate your travel needs to a dedicated CIMB Premier travel desk. Exclusive access to MAS Golden Lounge at selected airport worldwide up to 8x per year for principal cardholders.* *From 1 January 2022 to 30 June 2022, the Principal Cardholder will receive 2x complimentary lounge access upon card anniversary and 3x lounge access per quarter with minimum quarterly spend of RM6,000, capped at 8x lounge access per Principal Cardholder.

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


Tee-off at your favorite golf courses with 50% off at 25 courses in 9 countries. Enjoy an exclusive rate for your choice of airport premium ride, and get extra 10% off for additional return rides. Enjoy priority booking for Malaysia Airlines, 1 day before it's open to the public.

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 activation 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
Contact-less Payment Methods
MasterCard PayPass


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


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.


CIMB Enrich World MasterCard - Redeem Enrich Points with Bonus Miles

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!

To redeem free flights at a conversion rate of 1,000 Enrich Point 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 credit card, NRIC and boarding pass, you can enjoy up to 8x access to Malaysia Airlines Golden Lounge domestically, regionally and internationally:

  • KLIA International
  • KLIA Regional
  • KLIA Domestic
  • London
  • Kota Kinabalu
  • Kuching

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.

CIMB Enrich World MasterCard 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 credit card. 

The insurance coverage also includes travel inconveniences such as lost baggage or flight delay.

Line of Credits

This CIMB credit card 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

CIMB Enrich World MasterCard 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 RM554.72, 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.

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