CIMB Islamic MasterCard Classic credit card

CIMB Islamic MasterCard Classic

This Ujrah concept Shariah credit card is Free For Life. Ujrah refers to payment in exchange for services, benefits and privileges.

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • 5.99% p.a. balance transfer over 6 months
  • 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. Best of all, you can combine your Principal and Supplementary cards bonus points to redeem attractive gifts for you and your loved ones. From Health and Lifestyle, to Kitchen and Dining, and Home Essentials, pick from a range of great gifts. Bonus points earned expired in three years from the date the credit card was issued.
CIMB Bonus Points
1 point on every RM1on all retail expenses
Your CIMB Bonus Points earned expires in  6 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.

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
RM53.00 or 5.30% of withdrawn amount, whichever is higher
Profit 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
Maximum age for primary card holder
65 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

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.