CIMB Gold MasterCard credit card

Also available as Visa

CIMB Gold MasterCard

The classic CIMB Gold MasterCard - enjoy year after year of financial freedom with no joining or annual fees, ever.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 5.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 1x reward point 


Because you should be rewarded for giving the bank your business

Enjoy great rewards whenever you spend with your CIMB credit card. 1 Bonus Point will be awarded to you for every Ringgit you spend on your Gold credit card. With CIMB Pay with Points, you can go to a participating retail outlet and pay for your item or meal with CIMB Bonus Points!
CIMB Bonus Points
1 point on every RM1on all local and overseas expenses
Your CIMB Bonus Points earned expires in  6 years
Balance Transfer
CIMB Bank Balance Transfer offers interest rates from 5.99% and payment terms up to 12 months. Barely have the cash each month to spend on anything else other than your credit card bills? Transfer to the CIMB Gold MasterCard now.
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)
Do you find yourself itching to swipe at the shopping mall, but it's still a few weeks away from payday? Enjoy up to 36 months of interest-free instalment payments 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
Amazing dining and shopping deals nationwide all year round for CIMB cardmembers.

Fees & Charges

There are always fees but how much are they?

Annual Fee
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RM15.90 or 5.30% of withdrawn amount, whichever is higher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
Contact-less Payment Methods

*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
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 Gold MasterCard review

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

Looking for a credit card that's cheap, with worldwide recognition, rewards you on your spending, and helps you out at the toll? You'd be hard-pressed to find a credit card more fitting for that role than the CIMB Gold MasterCard.

No Annual Fee

Don't think you should be paying for a piece of plastic? You may only use it for emergencies, or when shopping online once every few months - so you'd be pleased when we say that the CIMB Gold MasterCard doesn't carry the burden of an annual fee, as it's waived for life!

Earn Bonus Points

Earn 1 Bonus Point for every RM1 spent with your CIMB Bank credit card and redeem gifts from CIMB member rewards catalogue. What kind of gifts awaits you? You can exchange your reward points for kitchen appliances from Philips and Elba, MP3 players and headphones from Sony, flat-screen TVs from Sharp, and so much more!

Pay with Points

Maybe you're tired of waiting for your gifts to arrive or filling up bonus point redemption forms. With CIMB Pay with Points, you just need to visit the participating outlets, pick your favourite items or have a meal and pay off your bill with Bonus Points. You can choose to pay the entire bill with bonus points or you may pay a portion of it with bonus points and settle the rest with your CIMB Bank credit card.

Interest-Free Instalments

With CIMB Bank's 0% Easy Pay, you can now enjoy interest-free instalment payments for up to 36 months on your big ticket items - want a Rolex watch or Louis Vuitton duffel bag? No need to make lump sum payments as your bill will be converted into monthly instalments. What a great relief!

Free Touch 'N Go

You will have the benefit of a Touch ‘n Go Zing card linked to your existing CIMB credit card, with automatic credit reload. Need not worry about running low on balance at the toll station, especially on those long and meandering highways.

You can reload for RM100, RM200 and RM300 with attached fee of RM1.50, RM2.00 and RM3.00 respectively. With that said, this CIMB credit card is really an all-rounder considering it's packed with benefits for dining, shopping, and even roadtrips back to kampung!

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