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 every 28th of the month with no minimum spend! Besides that, earn 3X Bonus Points EVERYDAY with eligible spending such as contactless payments, food delivery and many 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 online retail spends, contactless payments, food delivery, e-wallet spends (Touch 'n Go, GrabPay, Boost, BigPay, and Setel), and auto-billing (28th of every month)
3 points on every RM1on online retail spends, contactless payments, food delivery, e-wallet spends (Touch 'n Go, GrabPay, Boost, BigPay, and Setel), and auto-billing (Everyday)
1 point on every RM1on in-store PIN purchases

Premium

Get the best bank bonus points conversion value of a minimum of 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 instalments 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 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 who fancy everything about online shopping.

Why you may ask? Because 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.

It gets better! Enjoy up to 12X Bonus Points with CIMB featured partners and get exclusive deals every 28th of the month on eDay. Below is the list of said featured partners:

  • Alpro Pharmacy
  • Coleman
  • Domino's
  • foodpanda
  • Go Shop
  • HappyFresh
  • Lazada
  • Montbell
  • OXWHITE
  • Sephora
  • Shopee
  • Taobao
  • ZALORA

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

Not to mention, 1X Bonus Point when you make PIN transactions for in-store spending.

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

Search Icon

Get the financial support you need

Featurebox

We’ll guide you through your application for this financial product