CIMB Islamic MasterCard Platinum credit card

CIMB Islamic MasterCard Platinum

A Shariah compliant CIMB credit card that's absolutely Free For Life. Get cash rebate promos, bonus points, and Mastercard privileges worldwide.

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • 5.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Apply online now for CIMB Islamic MasterCard Platinum

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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. Reward points expired in three years from the date the credit card was issued.
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 easy payment plan ( EPP) 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
Privileges offered exclusively to CIMB Islamic MasterCard Platinum cardmembers.

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RM53.00 or 5.30% of withdrawn amount, whichever is higher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

All fees & charges are inclusive of 6% GST if applicable


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 Platinum review

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

Looking for an platinum credit card that’s compliant with Islamic principles? With the CIMB Islamic MasterCard you get all that and much more - earn bonus points, exclusive cash rebates, plus you won’t have to pay any annual credit card fees for life.

Annual Fee Waiver

There are a few platinum cards out there that allow you to waive the hefty annual fee with a few swipes of your card. But CIMB Islamic MasterCard will do you one better – the annual fee is free for whole life without any conditions! This means no worrying about whether you have to swipe or spend a minimum amount each year in order to waiver your annual credit card fees.

Bonus Points

Earn CIMB rewards with your CIMB Islamic MasterCard when you shop locally and overseas. For every Ringgit that you spend you earn 2 Bonus Points – which you can collect and use to redeem exciting gifts! If you're wondering what gifts that you can redeem as rewards, take a look at CIMB Member Rewards. You can also get discounts at over 500 participating merchants by spending your Bonus Points!

0% Easy Pay

Shop first and pay later with 0% Easy Pay! CIMB Easy Pay is an instalment plan that allows you to pay for your purchases later at 0% interest. Plus these repayments can be spread out over 36 months, or 3 full years! But before you make a big purchase it's wise to call up the bank, as this special zero interest is only provided for participating merchant outlets.

Low-Interest Balance Transfer

Are your current credit card interest rates causing you to hold your breath? Consolidate all your credit card debt with CIMB Balance Transfer Plan, and repay over 6 or 12 months at a special balance transfer interest rate. However, your transfer amount should be a minimum of RM1000 and not exceed your CIMB Islamic MasterCard credit limit.

But you need to repay your monthly repayments every month! If your payments are not made before their due dates, a late payment charge of 1% of the outstanding balance will be charged to your card. This penalty will go up to a maximum of RM100.

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