CIMB e Credit Card

Enjoy up to 12X Bonus Points on e-payments including e-wallets, and almost everything else with no minimum spend.

CIMB e Credit Card12X Bonus Points for online shopping
Min. Income
RM2,000/month
Annual Fee
Free*
Balance Transfer
From 5.99% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
iPad Mini or Samsung Galaxy Tab S7 FE (Your Choice!)
worth RM2299
when you apply through RinggitPlus
Terms and conditions apply

iPad Mini or Samsung Galaxy Tab S7 FE (Your Choice!)

Our Previous Winners

Rewards

Enjoy up to 12X Bonus Points from online shopping and food delivery to e-wallet, as well as in-store payments with Featured Partners on eDay e.g. Lazada, Shopee, Taobao and other exciting merchants. Get 1-for-1 drink of any size at The Coffee Bean & Tea Leaf on weekends till 31 December 2021! T&Cs apply. From now until 31 December 2021, take on the 0% Flexi Payment Plan offer for a minimum spending of RM500 & above in a single transaction on Education, Health and Medical, and any online transaction. Terms and conditions apply.

CIMB Bonus Points
EarnSpend
12 points on every RM1on online/contactless transactions with Featured Partners on eDay (10th of every month)
10 points on every RM1on online/contactless transactions with other merchants on eDay (10th of every month)
5 points on every RM1on online transactions on Normal Day (exclude eDay)
1 point on every RM1on contactless transactions on Normal Day (exclude eDay)
1 point on every RM1on in-store PIN purchases (Everyday)

Premium

Get the best bank bonus points conversion value of minimum 400 Bonus Points to RM1 at Pay with Points (PWP) participating merchants nationwide and cash back redemption.

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. 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

With CIMB 0% Easy Pay, enjoy your shopping spree and pay for your purchases in monthly zero instalment up to 36 months tenure at over 1,000 participating CIMB merchant stores locally.

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
  • RM100 primary card

    Free for first year and waived when you spend RM12,000 annually for the subsequent years

    Free for supplementary card

  • 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
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

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.

Review

Life is obviously better with e-payments! CIMB e Credit Card is definitely for individuals that fancy everything about online shopping.

Why, you may ask? Because you will receive an abundant of bonus points for your online purchases with your CIMB e Credit Card.

CIMB 0% Flexi Payment Plan Offer

To all CIMB principal credit card holders, do you have any big purchases in your wishlist? If you do, this is the chance for you to take on the CIMB 0% FPP offer for the repayment tenure of 12 months.

This offer is valid when you make a minimum spending of RM500 and above in a single transaction on categories such as Education, Health and Medical, including any online transaction. Once you have completed the purchase, you will receive an SMS from CIMB Bank on your registered mobile number as an invitation to participate in the 0% FPP offer.

This exciting offer is happening now until 31 December 2021, so make sure you don’t miss this out! However, you should also note that any CIMB Islamic credit cards, CIMB Platinum Business Card, CIMB Partner Cards and Fuel Tanker Cards are not eligible to participate.

Check out the table below on the eligible spends categories for this offer. Terms and conditions apply.

Eligible Spend Category MCC / POS Entry Mode Description
Education 8211 Elementary & secondary schools
8220 Colleges, Universities, Professional Schools & Junior Colleges
8241 Correspondence Schools
8244 Business & Secretarial Schools
8249 Vocational & Trade Schools
8299 Schools & Educational Services
Health 5047 Medical, Dental, Ophthalmic & Hospital Equipment & Supplies
5122 Drugs, Drug Proprietaries & Druggist Sundries
5912 Drug Stores & Pharmacies
5975 Hearing Aids - Sales, Service & Supply
5976 Orthopedic Goods - Prosthetic Devices
7298 Health & Beauty Spas
8043 Opticians, Optical Goods & Eyeglasses
8050 Nursing & Personal Care Facilities
8071 Medical & Dental Laboratories
Medical 8011 Doctors & Physicians
8021 Dentists & Orthodontists
8031 Osteopaths
8041 Chiropractors
8042 Optometrists & Ophthalmologists
8049 Podiatrists & Chiropodists
8062 Hospitals
8099 Medical Services & Health Practitioners
Online POS Entry Mode
01 - Visa
81 - Mastercard

10 - Card on File transaction

Extra Rewards, Unlimited Choices with CIMB e Credit Card

Shop until you drop as the CIMB e Credit Card has no minimum spend required on any platforms.

It gets better! Enjoy up to 12x bonus points with CIMB featured partners and get exclusive deals on every 10th of the month on eDay.

10x bonus points will be rewarded when you make online/contactless purchases with other merchants on eDay too.

Plus, get 5x bonus points every other day with Online Retail purchases, E-Wallets, and Auto-Billing Payments. Plus, 1x bonus point when you make contactless transactions for in-store spending.

Meanwhile, if you tend to shop everyday, you will also earn 1x bonus point on in-store PIN purchases!

Online Spend Category
(no minimum spend)
Bonus Points Rewards
eDay: 10th of every month
Featured partners Other merchants Every day (exclude eDay)
Online retail
(e.g. Lazada, Shopee, Zalora, Amazon,
Agoda, food delivery, etc.)
12x 10x 5x
E-Wallet
(Touch 'n Go eWallet, GrabPay, Boost,
BigPay & Setel only)
Auto-billing
(Recurring payments, e.g. telco, online
media & utilities bill)
Offline/In-Store Contactless (tap/wave mode) 1x
Other retail (PIN mode) 1x

Pay with Bonus Points

CIMB e Credit Card is a reward-based credit card that gives you Bonus Points for every spend made via online and contactless purchases.

Not to mention, the conversion rate for 400 bonus points is equal to RM1 valid for participating merchants and cash back redemption. 

You can pay with points across over 9,000 outlets nationwide too!

CIMB 0% Easy Pay

Don't have enough bonus points to purchase the limited edition dream item of yours?

Don't you worry, CIMB 0% Easy Pay got you covered!

Now you can convert that huge sum of a payment with minimal monthly instalments with this easy payment plan.

Save on your credit card spending with 0% Easy Pay applicable only to retail purchases.

Enjoy zero interest when you choose from between 3 to 36 months of repayment term!