CIMB Islamic MasterCard Gold credit card

CIMB Islamic MasterCard Gold

Ujrah concept Shariah compliant credit card where payment is made in exchange for services, benefits and privileges offered to the cardholders.

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • 5.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM148.40 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.
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 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

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
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RM53.00 or 5.30% of withdrawn amount, whichever is higher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

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 Islamic MasterCard Gold review

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

Ujrah, an Islamic banking concept, is defined as the entitlement of a cardholder to certain services, benefits and privileges based on a specified fee. Using this concept, CIMB Islamic Bank has developed the CIMB Islamic MasterCard Gold which offers Shariah complaint credit card services to cardholders.

Reward Redemption

One of the benefits linked to CIMB Islamic MasterCard Gold credit card is the bank’s reward programme. One bonus point will be awarded to cardholders with every RM1 of retail spending charged to this credit card anywhere in Malaysia or overseas.

The bonus points accumulated can be used to redeem a wide variety of rewards. Some of the items up for grabs include health & lifestyle products, home essentials, kitchen appliances, dining utensils, outdoor gadgets and educational toys for children. Cardholders can also opt for Enrich Miles or government service tax redemption.

In addition, this reward programme also allows cardholders to use the bonus points earned to pay for their purchases at selected merchants. The conversion rate is 200 bonus points for RM1. This way, cardholders can save more.

Yearly Facility Charges

Since Shariah prohibits the acceptance of interest for loans of money, the CIMB Islamic MasterCard Gold credit card does not have an annual percentage rate ( APR) for outstanding card balances. Instead, the bank charges a Yearly Facility Charges (YFC).

YFC is essentially a provision for the maximum amount of interest that cardholders can be charged in one year if they choose to pay only the minimum monthly payment of their outstanding card balances. The YFC for CIMB Islamic MasterCard Gold is set at RM7200.

While this YFC is a large sum, customer service officers at the bank have clarified that cardholders do not have to pay the amount upfront. However, if cardholders do not settle their outstanding card balance in full, the bank will then charge a payable facility charges (PFC) on the unpaid amount for the month. The total PFC for the year must not exceed the YFC.

This means that if cardholders settle their card balances in full every month, they will not be charged any PFC and subsequently may receive a full waiver from the bank on the annual YFC. Hence, this unique feature of the CIMB Islamic MasterCard Gold will be a good incentive for cardholders to fully settle their card balances and stay debt-free.

Travel Perks

CIMB Islamic MasterCard Gold also provides comprehensive protection for cardholders who like to travel. They can enjoy complimentary Takaful travel accident insurance coverage of up to RM500000 when cardholders charge their full air fare to this credit card.

Moreover, this insurance policy also includes travel inconvenience coverage for delayed flights, missed flight connections and luggage loss or delay. The amount of coverage can go up to RM1000 for cardholder and RM2000 for each family.

No Annual Fee

Besides being Shariah compliant, CIMB Islamic MasterCard Gold credit card is also free for life. With the minimum annual income of RM24000 and no annual fee, this credit card is easily accessible and a breeze to maintain.

Read More