CIMB Tesco Platinum MasterCard credit card

CIMB Tesco Platinum MasterCard

No Annual Fee Platinum MasterCard that earns up to 5% cashback on all Tesco purchases every day, plus an extra 1x Tesco Clubcard Points.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 5% cashback
  • 5.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 1x reward point 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Enjoy cashback up to 5% when you spend RM3,000 and above on your Tesco purchases, subject to a monthly cap of RM50.
Discover how much you can save when you shop with your new CIMB Tesco Platinum MasterCard
Cashback CategoryCashback RateMonthly CapSpend
Tesco SpendSpendfrom RM3000 and above monthly5%RM50from RM3000 and above monthly
Tesco SpendSpend up to RM2999 monthly2%RM50up to RM2999 monthly
For every swipe of CIMB Tesco Platinum MasterCard on your Tesco purchases, you'll get extra 1x Tesco Clubcard Points. And...there is no limit as to the amount of Tesco Clubcard Points you can collect!
Tesco Clubcard Points
1 point on every RM2on Tesco spend
1 point on every RM4on other retail spends
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.
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
Your payment, your call. Choose to swipe via Contactless payment or PIN and Pay, with both features built in with added security and convenient.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
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
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 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 Tesco Platinum MasterCard review

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

Looking for the best cashback credit card for groceries shopping in Malaysia? CIMB Tesco Platinum MasterCard has the answer for you.

No Annual Fee

You can enjoy all the benefits from CIMB Tesco Platinum MasterCard at zero cost. The annual fees for principal and supplementary cards are waived for life with no condition.

Up to 5% Cashback

Head down to the nearest Tesco hypermarket to stock up your kitchen supplies and earn up to 5% cashback when you pay with CIMB Tesco Platinum MasterCard. How it works? Keep reading to find out.

For all spends worth RM3,000 and above with your CIMB Tesco Platinum MasterCard, you will definitely get 5% cashback from the amount spent. If you spend any amount up to RM3,000 at Tesco, you will earn 2% cashback, with the maximum cashback capped at RM50 per month. 

Put simply, if your closing statement balance for the current month is RM3,100, you will receive a cash rebate worth RM155 in the form of 5% cashback. You will see the cashback earned for the current month to be reflected in your next billing cycle as 'Tesco Cash Rebate'. 

That's not all the savings you can enjoy with CIMB Tesco Platinum MasterCard; you can earn unlimited Tesco Clubcard Points too!

Free Tesco Clubcard

Only applicable to brand new Tesco Clubcard subscriber, who previously did not own any Tesco Clubcard membership. You can be part of the many benefits of being a Tesco Clubcard member such as Tesco Discount Voucher and more privileges and discounts with Tesco's participating merchants.

The principal cardholder can redeem complimentary Tesco Clubcard by presenting the original copy of welcome letter of CIMB Tesco Platinum MasterCard. The supplementary cardholders are not entitled to complimentary Tesco Clubcard.

For those who have already owned a Tesco Clubcard, all you need to do is sign up for CIMB Tesco Platinum MasterCard as you could earn extra Tesco Clubcard Points when you swipe with your CIMB credit card.

Bear in mind that you have to update your Tesco Clubcard account with CIMB to avoid any discrepancies regarding Tesco Clubcard Points earned.

Extra Tesco Clubcard Points

With CIMB Tesco Platinum MasterCard, you can double, triple or quadruple your Tesco Clubcard Points and redeem Tesco Discount Vouchers faster. It's simple: for every RM2 spent at Tesco and Tesco Extra nationwide, you will earn 1x extra Clubcard Points. 

That's not all, you can also collect extra Tesco Clubcard Points on all retail spending locally and overseas outside of Tesco too. The Tesco Clubcard Point you will earn is calculated as every RM4 spent is equivalent to 1x extra Tesco Clubcard Point.

CIMB will transfer your Tesco Clubcard Points on the 29th of every month. You can expect the transaction records to be updated in 14 working days for your reference.

Line of Credits

CIMB Tesco Platinum MasterCard does not only awards you with cashback and Tesco Clubcard Points every time you swipe at Tesco, but 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

Read More