CIMB Islamic PETRONAS MasterCard credit card

CIMB Islamic PETRONAS MasterCard

Up to 7% petrol cash rebates for all PETRONAS transactions, in addition to exciting benefits, discounts and privileges on auto-related products and services for you!

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • up to 7% cashback
  • 5.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Choose Your Gift With Your New CIMB Credit Card!

Choose Your Gift With Your New CIMB Credit Card!

Apply online now for CIMB Islamic PETRONAS MasterCard

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Swipe your CIMB Islamic PETRONAS Gold Credit Card at all PETRONAS stations nationwide to enjoy savings up to 7%, subject to purchases of RM3,000 and above. For other retail spending, get 0.2% unlimited cash rebates.
Discover how much you can save when you shop with your new CIMB Islamic PETRONAS MasterCard
Cashback CategoryCashback RateMonthly CapSpend
PETRONAS spendSpendfrom RM3000 and above7%RM50from RM3000 and above
PETRONAS spendSpendup to RM29993%RM50up to RM2999
Other Retail SpendSpendany amount0.2%uncappedany amount
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
Petrol
Up to 7% cash rebates on petrol and other purchases at any PETRONAS stations nationwide.
Premium
Exciting benefits, privileges and discounts on auto-related products and services at participating merchants such as CARs International Outlets, Lim Tayar, Sonic Battery Trading and RayTechCS.

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 PETRONAS MasterCard review

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

A cross-breed between travel and petrol credit card that everyone must have - CIMB Islamic PETRONAS Gold Credit Card. Beat the RON97 and RON95 weekly price fluctuations with a generous cash rebate. Distance disappears when your journey gives you more returns!

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.

CIMB Islamic understands what you're going through every day for 365 days, thus waiving the annual fee for its CIMB Islamic PETRONAS Gold Credit Card. There is absolutely no condition requiring you to swipe the petrol cash rebate credit card in order to waive your annual fee.

7% PETRONAS Cash Rebates

More rewards, higher rebates and happier returns with every swipe of your CIMB co-branded card at all PETRONAS stations nationwide. If you spend more time on the road than in the office, you'll definitely consider signing up for this CIMB credit card.

You'd be surprised to learn that you can get up to 7% cash rebates on your PETRONAS spending. We're not only talking about lifting up the nozzle and fill in the tank, but also other spends in the PETRONAS Mesra shop.

There is a slight catch, however. To qualify for a 7% cash rebate, you need to make transactions worth RM3,000 and above on or before the statement date. For a statement balance capturing spending below RM3,000, you will get 3% cash rebate - how's that for the win?

That's not all, you can also enjoy unlimited cash rebates of 0.2% on other retail spends. For this category, you can earn as many returns you want in a month. Except for PETRONAS spending, you can only get up to RM50 returns per month.

Auto Parts & Services Deals

Your co-branded CIMB Islamic PETRONAS Gold Credit Card is also packed with additional features and benefits related to auto products and services.

For anyone who has a soft spot for car cosmetics, don't miss out on this perks. Get extra discounts and amazing offers for you car battery at Sonic Battery Trading and car tint services at RayTechCS.

And for a limited time until the 31st December 2017, subject to terms and conditions, get even more price cuts at CARs International and Lim Tayar:

  • Membership and polish treatment discounts up to 25% at participating CARs International outlets
  • 60% off on off-wheel balancing and rotation service at all Lim Tayar outlets

CIMB Retail & Dining Privileges

Waiting for a year-end sale can take your youth away. Sign up for a Platinum credit card to enjoy all year round promotions, offers, deals, discounts and gifts at selected CIMB retail and dining establishments.

There are a host of partners providing a myriad of products and services ranging from health & beauty, department stores, golf club, travel and education under Retail Privileges.

For Dining Privileges, you can explore Halal epicurean cuisine, desserts and fine dining experience at selected renowned hotels regionally such as Hard Rock Hotels, Hilton Hotels and Eastin Hotels, among others.

Line of Credits

CIMB Islamic PETRONAS Gold Credit Card does not only ensure that you get extra mileages and greater fuel savings, but can also serves as your credit lifeline in times of needs via 3 unique line of credits:

  • CIMB Balance Transfer Plan
  • CIMB 0% Easy Pay
  • CIMB CashLite

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 RM24,000, in return for the services made available to CIMB Islamic PETRONAS Gold 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!

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