CIMB Gold Visa credit card

Also available as MasterCard

CIMB Gold Visa

Manage your finances with amazing deals and privileges from CIMB. Attractive reward points program and easy instalment plans for your shopping spree!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 5.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM140.00 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. Every RM1 you spend will be awarded with 1 Bonus Point! Bonus points deemed expired in three years after the points are earned.
CIMB Bonus Points
1 point on every RM1on all retail expenses
Your CIMB Bonus Points 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)
Enjoy up to 36 months of interest-free installment payment.
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
Great deals and discounts on dining and shopping for the whole year with CIMB credit cards.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • First year free
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
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal


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 Visa review

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

CIMB Gold Visa card is a card that keeps on giving. Enjoy exclusive privileges and savings when you shop with your CIMB Gold Visa credit card. Find out about the attractive rewards point program and easy instalment plan to allow you to splurge without breaking the bank!

First Year Fee

Annual fee is waived for the first year for both principal and supplementary cards. For the second year onwards, there is an RM140 annual fee charged for principal cardmembers.

Great Lifestyle Deals

Great offers when you shop and dine with the CIMB Gold Visa. Deals to be had at retail stores such as Crabtree & Evelyn, STEP, Cosas United, Santa Barbara Polo & Racquet Club. Participating restaurants are Bubba Gump Shrimp Co, Gyu Kaku Japanese BBQ Restaurant, San Francisco Coffee, and more!

Enjoy Bonus Points

You can now earn your Bonus Points even faster! With every RM1 spent with CIMB Gold Visa card, you can earn 1 Bonus Point. All the Bonus points accumulated can be used for gift redemption or pay for purchases made at a wide network of participating merchant outlets via CIMB Pay with Points. 

Interest Free Instalments

Pay for big ticket items now without feeling the burn with CIMB Bank’s 0% Easy Pay instalment payment plan at participating retail outlets. You can enjoy up to 36 months of interest-free instalment payments on your next shopping spree and get that special item you have always wanted.

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