CIMB Islamic UKM MasterCard credit card

CIMB Islamic UKM MasterCard

An Ujrah concept Shariah compliant credit card. Get cashback promotions and bonus points on your spending to redeem gifts. No annual fee, ever!

  • 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 


Because you should be rewarded for giving the bank your business

Great rewards whenever you spend with your CIMB credit card. 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.
CIMB Bonus Points
1 point on every RM1on retail spend
Your CIMB Bonus Points earned expires in  6 years
Balance Transfer
Tired of forgetting to pay your credit card bills and being charged criminal interest rates? CIMB Balance Transfer offers interest rates from 5.99% and repayment terms up to 12 months - that's a whole year for you to play catch up with your credit card debts.
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)
Apply with CIMB and get ready for your next big purchase! Enjoy up to 36 months of interest-free instalment payment and walk away from the store without paying a single sen with the latest iPhone, HD television, furniture, juicer, and more!
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

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
RM50.00 or 5.00% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Contact-less Payment Methods


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 UKM MasterCard review

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

Learn for life! With CIMB Islamic UKM MasterCard, you get all the rewards you deserve such as weekend cash rebates and bonus points while keeping true to Shariah principles, paying your dues by Ujrah payments to CIMB Islamic bank.

No Annual Fee

With your CIMB Islamic UKM MasterCard, you won’t have to pay any annual credit card fees for life! While most banks may waive the annual fee – after you’ve met conditions such as minimum number of swipes or purchase amount – you need not worry about that with your CIMB Islamic UKM MasterCard. The annual fee is waived automatically without any hidden conditions.

Bonus Points

Earn Bonus points when you spend. You will be rewarded with 1 Bonus Point for every Ringgit you charge to your CIMB Islamic UKM MasterCard. Best of all, you can accumulate and combine the points from the principal and supplementary cards to redeem the gifts from CIMB Members Rewards. You can also use your points for purchase discounts at over 500 participating merchants.

But when accumulating points, don’t forget to watch out for their expiry date. These points will expire after 36 months from the first point collection date.

0% Easy Payment Plan ( EPP)

With CIMB Easy Pay, you get shop first and worry about paying later! Best of all, this EPP is offered at ZERO interest. You can now repay your purchases over 36 months without any interest at all. But don’t forget to check with CIMB before you make any large purchases, as this benefit is only valid at participating merchant outlets.

Balance Transfer

Tired of paying high interest rate on your credit card? CIMB has got you covered! Just consolidate your outstanding credit card balances with CIMB Balance Transfer Plan and settle these repayments in either 6 or 12 months.

With interest rates as low as 5.99% interest p.a. – far lower than the interest you would usually pay – the monthly repayment can be as flexible as you wish until full settlement within the agreed period. Otherwise, the normal tiered interest rates ranging from 15% to 18% p.a. will be applicable.

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