CIMB Islamic PETRONAS MasterCard credit card

CIMB Islamic PETRONAS MasterCard

Up to 7% petrol cashback 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

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 CIMB Islamic PETRONAS MasterCard 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 cashback.
Discover how much you can save when you shop with your new CIMB Islamic PETRONAS MasterCard
Cashback CategoryCashback RateMonthly CapSpend
PETRONAS transactionsSpendfrom RM3000 and above monthly7%RM50from RM3000 and above monthly
PETRONAS transactionsSpendup to RM2999 monthly3%RM50up to RM2999 monthly
Other Retail SpendsSpendany 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% cashback 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?

Being one of the forerunners in Islamic banking services in Malaysia, CIMB Islamic Bank offers many different personal banking products which are compliant to the principles of Shariah. One of them is CIMB Islamic PETRONAS MasterCard which offers rebate for petrol spending and other benefits.

7% Petrol Rebate

CIMB Islamic PETRONAS MasterCard’s main purpose is to reward cardholders with cash rebates for petrol spending. Cardholders will receive a 7% cashback on transactions at any PETRONAS fuel stations in Malaysia if the statement balance is RM3000 and above. Also, you will receive 3% cashback if the statement balance is below RM3000. The amount of cashback for this category is capped at RM50 per month.

More Cash Back

The rewards do not stop there. Cardholders also get to earn 0.2% rebate on all other retail transactions charged to CIMB Islamic PETRONAS MasterCard. That way, cardholders can save more from their daily spending.

Shariah Compliant

The benefits of CIMB Islamic PETRONAS Gold MasterCard are fully Shariah compliant. This is evident with its unique Yearly Facility Charges (YFC) which is not found in other credit cards. YFC is the maximum amount of interest chargeable to cardholders if they pay only the minimum monthly payment.

This concept is similar to the annual percentage rate ( APR) featured in non-Islamic credit card but still complies with the underlying principles of Islamic banking which prohibits the acceptance of interest for loans of money.

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