CIMB Platinum Credit Card

Pay for your purchases with Bonus Points, or with interest-free instalment plans for up to 36 months. Discover amazing shopping and dining privileges!

CIMB Platinum Credit CardReward points for retail spending
Min. Income
Annual Fee
Balance Transfer
From 5.99% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Enjoy great rewards whenever you spend with your CIMB Platinum Credit Card. Get 1x Bonus Point for every Ringgit you swipe and redeem gifts from the member rewards catalogue.

CIMB Bonus Points
1 point on every RM1on all retail spends


Charge your full airline fare(s) to your CIMB Platinum Credit Card and get automatically covered with Travel Insurance for up to RM1 million, in addition to travel inconvenience benefits for RM1,000 per occurrence. Terms and conditions apply.

Travel CoverageSum Insured
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

Balance Transfer

Consolidate your credit card outstanding balance and transfer to CIMB Balance Transfer to enjoy low interest rates for up to 12 months.

Pay OverWith Interest Rate AtWhen You Transfer
6 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
12 months7.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about CIMB Balance Transfer Plan

Easy Payment Plans

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

CIMB 0% Easy Pay
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM1,000
6 months0% p.a. and no one-time upfront handling feeRM1,000
12 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM1,000
36 months0% p.a. and no one-time upfront handling feeRM1,000
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RM15 or 5% of withdrawn amount, whichever is higher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
Daily Maximum Cash Withdrawal
Up to 40%
Contact-less Payment Methods


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


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.
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.
Balance Transfer Plans
CIMB Balance Transfer Plan
Flexible repayments and zero processing fees! This is an easy-to-apply balance transfer plan with no supporting documents needed.


From golfing to travelling, dining and shopping, CIMB is giving you all access to a host of amazing lifestyle benefits and experiences with just a single swipe - enjoy personalised concierge services, generous credit limit and reward points on all your spending!

CIMB Platinum Credit Card - Retail and Dining Privileges

Waiting for a year-end sale can take your youth away. But if you sign up for a Platinum credit card, you get 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 and beauty, auto parts and services, department stores, golf clubs, travel and education under Retail Privileges.

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

Pay with Bonus Points

CIMB Platinum credit card is a reward-based credit card that gives you Bonus Points for every spend made on all retail purchases. In fact, it has a fair conversion rate of 1x Bonus Point for every RM1 spent, whether in Malaysia or overseas.

To quickly collect Bonus Points and exchange them with items of value from the CIMB Members Rewards Catalogue, you can combine purchases from Principal and Supplementary cards. 

But the best part with CIMB Bonus Points is, as rewarding as it sounds, that you can use your accumulated Bonus Points to pay for your next purchases at CIMB's participating merchants. This way, you can save on credit card bill payments.

No Annual Fee for CIMB Platinum Credit Cardholders

To enjoy unparalleled shopping and dining experiences with a Platinum credit card, one usually has to pay a hefty price, chargeable annually. But with the CIMB Platinum Credit Card, it is free for life, with no terms and conditions!

Interestingly, everyone with a minimum monthly income of RM2,000 can afford to own a CIMB Platinum credit card, which would otherwise be marketed to mass affluent customers.

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 has the right 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 three instalment plans you can choose from, with an interest rate starting from 0%. You can transfer any amount from a minimum of RM50 to a prescribed credit card limit.

Enjoy Free Travel Insurance with CIMB Platinum Credit Card

It is common for a travel credit card to be equipped with a comprehensive insurance plan. The insurance plan covers Personal Accident / Travel Insurance and Travel Inconveniences such as lost or delayed luggage and missed or delayed flights. 

To be automatically covered with up to RM1 Million insurance coverage, pay for your flight tickets with CIMB Platinum Credit Card. The insurance can be extended to cover your family as well.

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