CIMB Islamic MasterCard Platinum

A Shariah compliant CIMB credit card with NO annual fees. Earn bonus points and enjoy discounts at over 500 merchants and up to RM1,000,000 Travel Takaful coverage!

CIMB Islamic MasterCard PlatinumNo Annual Fee
Min. Income
RM2,000/month
Annual Fee
Free
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
RM100 Petronas Gift/RM500 Cash Back/Samsung Galaxy A10
worth RM500
when you apply through RinggitPlus3

RM100 Petronas Gift/RM500 Cash Back/Samsung Galaxy A10

Rewards

Enjoy great rewards whenever you spend with your CIMB Islamic Bank Platinum Credit Card. Best of all, combine your Principal and Supplementary credit cards Bonus Points to redeem attractive gifts and benefits for you and your loved ones.

CIMB Bonus Points
EarnSpend
1 point on every RM1on all retail spends

Travel

Charge your full airline fare(s) to CIMB Islamic Bank Platinum Credit Card and get automatically covered with a Personal Accident and Travel Coverage Takaful for up to RM1 million, in addition to travel inconvenience benefits for RM1,000 per one occurrence.

Travel CoverageSum Insured
Personal AccidentUp to RM1,000,000
Travel InsuranceUp to RM1,000,000
Delayed FlightUp to RM1,000
Missed FlightUp to RM1,000
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM1,000

Premium

Privileges offered exclusively to CIMB Islamic Bank Platinum Credit Card members.

Easy Payment Plans

Enjoy interest-free installment and flexibility in your repayment up to 36 months with CIMB 0% Easy Pay.

CIMB 0% Easy Pay
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feeRM50
24 months0% p.a. and no one-time upfront handling feeRM50
36 months0% p.a. and no one-time upfront handling feeRM50
Learn more about CIMB 0% Easy Pay

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
Up to RM5,000

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 to 65 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysians Only

Features

Easy Payment Plan
CIMB 0% Easy Pay
Enjoy up to 36 months of interest-free instalment payments on your next shopping spree with a CIMB Bank credit card. Only at selected merchants only.
Cash Advance / Cash Loan
CIMB CashLite
Extra cash with hassle free application and zero processing fees! Get financial help when you need it most without the trouble of getting a guarantor.

Review

Open to all Malaysians earning a minimum annual income of RM24,000, CIMB Islamic Bank Platinum Credit Card gives you plenty of perks from CIMB Bonus Points and exclusive cash rebate to credit facilities (CIMB 0% Easy Pay, Balance Transfer and CashLite) to manage your finance efficiently.

Annual Fee Waiver

Owning a Platinum credit card usually requires a higher income level and comes with a steep annual fee, which can be offset with a few swipes per year.

But CIMB Islamic Bank Platinum Credit Card will do you better – the annual fee is waived for a lifetime. 

There is absolutely no condition requiring you to swipe the Islamic Platinum credit card in order to waive your annual credit card fee.

CIMB Bonus Points

CIMB Bonus Points is a loyalty program that lets you collect reward points for every spend made with CIMB Islamic Bank Platinum Credit Card. 

These reward points can be converted into items of value such as products, services or vouchers by redeeming it from CIMB Members Rewards Catalogue.

Each swipe equivalent to RM1 with your CIMB Islamic Bank Platinum Credit Card, locally and overseas, will get you 1x Bonus Points. 

That's not all, you are also entitled to receive exclusive discounts at over 500 participating merchants by spending your Bonus Points!

CIMB 0% Easy Pay

You don't have enough Bonus Points to offset your big-ticket item purchase? 

Don't wrinkle your forehead just yet as CIMB Islamic has the rightest solution for this kind of worry.

You do know that you can convert your large payment into small monthly instalments via an easy payment plan?

This is where CIMB 0% Easy Pay comes to the rescue. Applicable only to retail purchases, 0% Easy Pay is your next best route to save on credit card spending.

There are 3 instalment plans you can choose from, with interest rate starting from 0%. 

You can transfer any amount from a minimum of RM50 to a prescribed credit card limit.

Cash Rebate Offers

Although CIMB Islamic does not charge an annual fee for the usage of this credit card, it is subject to a Yearly Facility Charges of RM48,000, in return for the services made available to CIMB Islamic Bank Platinum Credit Card.

Based on the Ujrah concept, the Yearly Facility Charges will be billed into your monthly statement. But don't get alarmed as CIMB Islamic may, at its absolute discretion, grant you rebate or waive all or part of the charges.

Just watch out for its cash rebate offers from time to time to enjoy these exclusive rewards!