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, CIMB 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
  • Earn up to 1x reward point 

Apply online now for CIMB Islamic MasterCard Platinum

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Enjoy great rewards whenever you spend with your CIMB Islamic Platinum MasterCard. 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
EarnSpent
1 point on every RM1on all retail spends
Your CIMB Bonus Points earned expires in  3 years
Balance Transfer
Consolidate your credit card outstanding balance and transfer to CIMB Balance Transfer to enjoy the interest rate from as low as 5.99% p.a. for 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 interest-free installment and flexibility in your repayment up to 36 months with CIMB 0% Easy Pay.
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
Travel
Charge your full airline fare(s) to CIMB Islamic Platinum MasterCard 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 RM1000000
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM1000
Missed FlightUp to RM1000
Lost LuggageUp to RM1000
Delayed LuggageUp to RM1000
Premium
Privileges offered exclusively to CIMB Islamic MasterCard Platinum cardmembers.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
Annual Fee for Supplementary Card
RM0
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
Profit Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
RM5000

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

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
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

Features

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?

Open to all Malaysians earning a minimum annual income of RM24,000, CIMB Islamic Platinum MasterCard 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 Platinum MasterCard 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 loyalty program that lets you collect reward points for every spend made with CIMB Islamic Platinum MasterCard. 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 Platinum MasterCard, 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.

CIMB Balance Transfer

Is your current credit card interest rate causing you sleepless every night? Consolidate all your credit card debts with CIMB Balance Transfer Plan, choose to repay over 6 or 12 months at a special balance transfer interest rate. 

The minimum amount you can transfer is RM1,000 and should not exceed your CIMB Islamic Platinum MasterCard credit limit. Bear in mind to make a prompt repayment every month.

If your payments are not made before due date, a late payment charge of 1% of the outstanding balance will be charged to your Platinum MasterCard. This penalty will go up to a maximum of RM100.

Cash Rebate Offers

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

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!

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