CIMB World MasterCard

Premium travel MasterCard that takes you to explore the World with great discounts, benefits and privileges at 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 spend which includes online spends in foreign currency.

Cashback categoryCashback rateMonthly capSpend
Overseas spend1.5%uncappedany amount monthly


Collect 5x Bonus Points when you swipe for flight ticket purchases, 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 Bonus Points
5 points on every RM1on full fare flight tickets
1 point on every RM1on all local retail spends


Communicate your travel needs to a dedicated CIMB Premier travel desk. When you purchase additional travel insurance coverage, get 15% off and RM10 stamp duty waiver. Enjoy 15% off at the ZON Duty Free outlets across Malaysia.

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 at 25 golf courses across 9 countries with MasterCard Southeast Asia Golf-World programme.

Balance Transfer

Consolidate all your credit card outstanding balances to your brand new CIMB World MasterCard 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 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 installment and flexibility in your repayment up to 36 months with CIMB 0% Easy Pay.

CIMB 0% Easy Pay
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feeRM50
24 months0% p.a. and no one-time upfront handling feeRM50
36 months0% p.a. and no one-time upfront handling feeRM50
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
MasterCard PayPass


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


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 only.
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 it from CIMB Members Rewards Catalogue.

1x Bonus Point

To collect 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 & 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 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!

Don't forget to stop by the ZON Duty Free outlets in Malaysia before you depart as you are entitled to 15% OFF for your purchases.

CIMB World MasterCard VVIP Treatments

With this CIMB credit card, your cross-border traveling 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 airlines deals by calling 1-300-88-0998CIMB Premier Travel Desk

These top-notch services don't end just there. 

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 at 25 golf courses across 9 countries
  • Up to 50% off your bill on your regional gourmet tour at fine dining establishments across the region of Malaysia, Indonesia and Singapore
  • Up to 40% off your bill at Marriott Bonvoy hotels and resorts in Malaysia
  • Entitled to 1 set of complimentary Afternoon Tea with every purchase of 1 set of Afternoon tea at Banyan Tree KL, Grand Millennium KL, Nobu KL, W KL and more
  • For a limited time, enjoy exclusive price for a one-way or return ride and an additional 10% OFF for a return premium airport ride between Klang Valley and KLIA or KLIA2

Automatic Travel Insurance Coverage

Receive an automatic travel insurance coverage 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 delay.

Now if you purchase additional travel insurance coverage, you will get 15% OFF your total bill and RM10 stamp duty waiver too.

CIMB Line of Credits

CIMB World MasterCard 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

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 for 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!