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

Rewards

Get rewarded with up to 12X Bonus Points on CIMB eDay, every 28th of the month with no minimum spend! Besides that, earn 3X Bonus Points EVERYDAY with eligible spendings such as in-store contactless payments, food delivery and more. You'll also earn 1X Bonus Points when you make an in-store PIN purchase.

CIMB Bonus Points
EarnSpend
12 points on every RM1on Food Delivery, Online Shopping, E-Wallet Reload (Touch 'n Go, GrabPay, Boost, BigPay and Setel), Auto-Billing Payments (telco, utility bills and online streaming services), and In-Store Contactless on eDay, every 28th of the month
3 points on every RM1on Food Delivery, Online Shopping, E-Wallet Reload (Touch 'n Go, GrabPay, Boost, BigPay and Setel), Auto-Billing Payments (on telco, utility bills and online streaming services), and In-Store Contactless Spend, everyday except eDay
1 point on every RM1on In-Store PIN Purchases everyday

Travel

Purchase your flight ticket(s) with this card and get free travel insurance coverage of up to RM1 million which includes coverage for travel inconveniences such as delayed flights or baggage loss and others. Terms and conditions apply.

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

Premium

Get the best Bank Bonus Points conversion value of a minimum of 500 Bonus Points to RM1 at Pay with Points (PWP) participating merchants nationwide and cash back redemption. Terms and conditions apply.

Balance Transfer

Consolidate your credit card outstanding balance and transfer to CIMB Balance Transfer to enjoy lower interest rates for a longer repayment period.

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 instalments for 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
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
  • RM100 primary card

    Free until 31 December 2025 and is applicable to both new and existing CIMB e Credit Card holders

  • 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 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.
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 who fancy everything about online shopping.

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

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. Enjoy up to 12X Bonus Points with CIMB featured partners and get exclusive deals every 28th of the month on CIMB eDay. 

In addition, you get 3X Bonus Points every other day with Online Retail Purchases, Contactless Payments, Food Delivery, E-Wallets, and Auto-Billing Payments. 

On the other hand, 1X Bonus Point when you make PIN transactions for in-store spending.

But please note that the Bonus Points are capped at 20,000 per cardholder per statement cycle.

Spend CategoryBonus Points RewardsWhen To Spend
✔ Online shopping
✔ Food delivery
✔ E-Wallet (Touch 'n Go, GrabPay, Boost, BigPay and Setel)
✔ Auto-billing
✔ In-store contactless spend
12X28th of every month (eDay)
✔ Online shopping
✔ Food delivery
✔ E-Wallet (Touch 'n Go, GrabPay, Boost, BigPay and Setel)
✔ Auto-billing
✔ In-store contactless spend
3XEvery day (except eDay)
✔ In-store PIN purchases1XEvery day

Pay with Bonus Points

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

Not to mention, the conversion rate for 500 bonus points is equal to RM1 valid for participating merchants and cashback redemption. 

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

Complimentary travel insurance coverage

Despite all the fun and excitement travelling gives you, your safety is the utmost priority and CIMB understands just that.

For every purchase of flight ticket(s) charged to CIMB e Credit Card, you and your family will be automatically covered with up to RM1 million of travel insurance which includes coverage for travel inconveniences such as flight delays, baggage loss and many more.

To enjoy this privilege, please check out the terms and conditions here.

CIMB 0% Easy Pay

Don't have enough bonus points to purchase your limited-edition dream item? Don't worry, CIMB 0% Easy Pay got you covered! Now you can convert that huge sum of 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 between 3 to 36 months of repayment term!

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