CIMB Visa Signature credit card

CIMB Visa Signature

Free for life premium credit card giving you Bonus Points, exclusive airport lounge access, travel insurance coverage and many Signature travel benefits.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 5.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 2x reward points 

Apply online now for CIMB Visa Signature

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Collect 2x Bonus Points when you swipe overseas, while 1x Bonus Point for every Ringgit spent locally. Accumulated CIMB Bonus Points are valid for 3 years - more than enough time to redeem goods, services, vouchers etc under CIMB Member Rewards Programme!
CIMB Rewards Programme
EarnSpent
2 points on every RM1on all overseas retail spends
1 point on every RM1on all local retail spends
Your CIMB Rewards Programme earned expires in  3 years
Balance Transfer
Consolidate all your credit card outstanding balances to your brand new CIMB Visa Signature to enjoy lower interest rate at 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
Travel
Travel with peace of mind when you charge full airlines tickets to your CIMB Visa Signature as you will be covered with up to RM1 million travel insurance, including travel inconveniences. Communicate your travel needs to a dedicated CIMB Premier travel desk.
Travel CoverageSum Insured
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM1000
Missed FlightUp to RM1000
Lost LuggageUp to RM1000
Delayed LuggageUp to RM1000
Premium
Exclusive access to Plaza Premium Lounge in Malaysia and abroad up to 2x per year, in addition to many great discounts and dining privileges when you spend your CIMB Visa Signature at participating F&B outlets. And...for a limited time only, enjoy premium one-way ride to the airport at an exclusive price!

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
RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income
RM60000
Minimum age for primary card holder
21 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 Visa Signature review

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

CIMB Visa Signature - a premium travel credit card comes packed with all the bells and whistles you would expect from high end VISA credit card and rewards you Bonus Points for every purchase made locally and overseas.

No Annual Fee

Generally, premium credit cards are associated with high fees and charges to commensurate with the level of benefits and privileges cardholders will receive.

Except with CIMB Visa Signature, both Principal and Supplementary cardholders don't have to pay annual fees for a lifetime. Don't believe it? Have a go at CIMB credit cards product disclosure sheet.

CIMB Bonus Points

CIMB Bonus Points is loyalty program that lets you collect reward points for every spend made with CIMB Visa Signature. These reward points can be converted into items of value such as products, services or vouchers by redeeming it from CIMB Members Rewards Catalogue.

To collect CIMB Bonus Points with CIMB Visa Signature is easy: for every RM1 spent locally, you will earn 1x Bonus Point. It is more rewarding to swipe your Visa Signature credit card while you are abroad as every Ringgit spent is equivalent to 2x Bonus Points.

Keep you cash away and always go for cashless payment to reap the benefits of CIMB Bonus Points!

Free Airport Lounge Access

Enjoy free access to Plaza Premium Lounge in the region up to 2x times for the first year. This privilege will be automatically renewed each year if you spend RM100,000 or more on your credit card, inclusive of Supplementary cards spending.

To access into this premium lounge in or outside of Malaysia, you are required to present your CIMB Visa Signature, NRIC or Passport and boarding pass upon arrival. Bask in the privacy, comfort and exclusivity for up to 3 hours before boarding your flight.

Travel Insurance & Help Desk

Traveling can cost not only financial stress, but also emotional stress too. But there are ways you can tackle your worries with CIMB Visa Signature.

Offering you assistance for all your travel needs, a dedicated CIMB Premier Travel Desk is at your service from arranging your flight booking to attending to your personal needs. Plus, you will also be in the know of exclusive airlines and hotel deals.

Once you have found the best and cheap airlines deals, don't forget to charge full fare to your CIMB Visa Signature as you will be automatically covered with a travel insurance for up to RM1 million.

That's not all, your insurance will also cover travel inconveniences such as lost luggage or missed flight connection.

Signature Privileges

Owning an elite credit card means you are privileged. With that in mind, CIMB Visa Signature ensures that you are receiving a commensurate level of high-class lifestyle privileges:

  • Discover amazing gifts, vouchers, benefits and merchandises with CIMB Credit Card Privileges
  • For a limited time until the 31st March 2018, you will enjoy an exclusive price for a one-way or return premium airport ride between Klang Valley and KLIA or KLIA2.

Line of Credits

CIMB Visa Signature does not only ensures you're living in an exclusive lifestyle, 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

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