CIMB World MasterCard

A premium travel MasterCard that takes you to explore the world with great discounts, benefits and privileges at a zero annual fee.

CIMB World MasterCardReward points for flight tickets and retail
Min. Income
Annual Fee
up to 1.5%
Balance Transfer
From 5.99% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Unlimited 1.5% cash rebate on overseas spending which includes online spending in foreign currency.

Overseas Spend (including Online Spend in foreign currency)1.5%uncappedany amount monthly


Collect 5x Bonus Points when you swipe for flight ticket purchases with selected MCC of 3000 to 3350 and 4511. Earn 1x Bonus Point for every Ringgit spent locally. The accumulated CIMB Bonus Points are valid for 3 years - more than enough time to redeem goods, services, vouchers etc. under the CIMB Member Rewards Programme!

CIMB Bonus Points
5 points on every RM1on flight ticket purchases
1 point on every RM1on all local retail spending


Enjoy complimentary travel insurance coverage up to RM1 million when you charge the full fare of your flight ticket(s) with this card, subject to terms and conditions. Plus, get the benefit of communicating your travel needs to a dedicated CIMB Premier travel desk to ease your journey.

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


Get 50% off green fees or golf lessons at 25 golf courses across 9 countries with the MasterCard Southeast Asia Golf-World programme. Terms and conditions apply and if you wish to make bookings or find more details, you can visit the Mastercard Southeast Asia Golf website.

Balance Transfer

Consolidate all your credit card outstanding balances to your brand new CIMB World MasterCard to enjoy a lower interest rate from 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 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
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.


CIMB World MasterCard - Up to 5x Bonus Points

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

  • 1x Bonus Point

Collecting CIMB Bonus Points with CIMB World MasterCard is easy: for every RM1 spent locally, you will earn 1x Bonus Point.

  • 5x Bonus Points

It is more rewarding to swipe your World MasterCard credit card to purchase flight tickets, as every Ringgit spent is equivalent to 5x Bonus Points.

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

CIMB 1.5% Cash Rebate and Travel Rewards

Upon getting your flight tickets, it's time to plan your vacation and make the most out of your CIMB World MasterCard! 

Be rewarded with a 1.5% cash rebate when you shop overseas. This includes online transactions in foreign currency too. 

You will also get preferential foreign exchange rates at CIMB Bank Bureau de Change in Malaysia, so now you can shop to your heart's content on your holiday!

Enjoy easy savings with the MasterCard Traveller Rewards Programme when you shop overseas. 

Simply swipe your CIMB credit card at participating merchants and get cash rewards - no coupons, promo codes or separate membership program required.

CIMB World MasterCard VVIP Treatments

With this CIMB credit card, your cross-border travelling will be more rewarding as you will get special treatments in many categories:

CategoryDescriptionService Provider
TravelCredit card-related queries and assistance round the clock and in any language by calling 1-800-80-4594MasterCard Global Service
TravelDedicated 24-hour personal concierge service for your every need by calling 1-800-88-6882World MasterCard Concierge Service
TravelTravel assistance and exclusive airline deals by calling 1-300-88-0998CIMB Premier Travel Desk

These top-notch services don't end just there. The CIMB World MasterCard extends the privileges to a slew of golfing, dining and travel benefits and offers:

  • Enjoy MasterCard Southeast Asia Golf-World programme privileges with 50% off green fees or golf lessons at 25 golf courses across 9 countries.
  • Enjoy World MasterCard Personal Concierge Services that is available for you 24 hours should you need assistance during your travels.

Automatic Travel Insurance Coverage

Receive automatic travel insurance coverage of up to RM1 million whenever you charge full airline tickets to your CIMB World MasterCard. 

The insurance coverage also includes travel inconveniences such as lost baggage or flight delays.

CIMB Line of Credits

CIMB World MasterCard not only ensures you're living an exclusive lifestyle but can also serve as your credit lifeline in times of need via three unique lines of credits:

  • CIMB Balance Transfer Plan
  • CIMB 0% Easy Pay
  • CIMB CashLite

No Annual Fee for CIMB World MasterCard Cardholders

Your CIMB credit card will never feel like a burden in your wallet - you won't be paying annual fees ever.

Enjoy all the exclusive perks and privileges without the hefty price tag that's often associated with a premium CIMB credit card.

All you need to have in order to own a CIMB World MasterCard credit card is a minimum annual income of RM90,000 and a passion for travel.

You can also share these exclusive benefits of your CIMB credit card with your loved ones by gifting them supplementary cards today!

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