CIMB Group is a leading focused ASEAN bank and one of the region’s foremost corporate advisors. It is also a world leader in Islamic finance.

 

Categories : Finance

Countries Allowed: 

 Malaysia 

CIMB Credit Card : https://www.cimb.com.my/

CIMB Group is a leading focused ASEAN bank and one of the region’s foremost corporate advisors. It is also a world leader in Islamic finance. The Group is headquartered in Kuala Lumpur, Malaysia, and offers Consumer Banking, Commercial Banking, Investment Banking, Islamic Banking and Asset Management products and services. It is the fifth largest banking group by assets in ASEAN and, as at the end of March 2024, had over 34,000 staff and around 25 million customers.

CIMB offers a range of credit cards catering to different needs and preferences, such as cashback, rewards, and lifestyle cards. 

Here's an overview of the key CIMB credit cards available in various markets (note that specific cards and features may 

vary depending on your country):

1. CIMB Cash Back Credit Card

• Features:
  • Cashback Rewards: Earn cashback on everyday spending, such as dining, groceries, petrol, and online purchases.
  • No Minimum Spend: Enjoy cashback without the need to hit a minimum spending threshold.
  • Accelerated Cashback Categories: Earn higher cashback rates in selected categories.
• Ideal For: Individuals looking for straightforward cashback on daily expenses.

2. CIMB Travel Credit Card

• Features:
  • Airline Miles: Earn air miles for every purchase you make, redeemable for flights or travel-related perks.
  • Travel Insurance: Complimentary travel insurance for cardholders.
  • Exclusive Airport Lounge Access: Enjoy access to participating airport lounges globally.
• Ideal For: Frequent travelers looking for rewards and perks related to travel.

3. CIMB World Mastercard

• Features:
  • Premium Rewards: Earn points on every purchase that can be redeemed for merchandise, travel, or discounts.
  • Global Acceptance: Widely accepted internationally, making it a great card for global spending.
  • Exclusive Lifestyle Benefits: Enjoy concierge services, special promotions, and access to events.
• Ideal For: Those who want a premium credit card experience with exclusive privileges.

4. CIMB Platinum Credit Card

• Features:
  • Luxury Rewards: Earn points for every transaction that can be redeemed for gifts, travel, or discounts.
  • Travel Benefits: Includes travel insurance, airport lounge access, and other premium services.
• Ideal For: Individuals who want a blend of rewards and exclusive benefits.

5. CIMB Cash Rebate Platinum Card

• Features:
  • Cash Rebates: Earn cashback on all eligible purchases, especially on high-spend 
  • categories like groceries, dining, and online shopping.
  • Flexible Redemption: Cashback is credited to your card account, reducing your monthly bill.
• Ideal For: Individuals who prefer cashback and need a platinum card for higher spending.

---

General Benefits of CIMB Credit Cards

• Flexible Repayment Options: Choose between paying your full balance or a minimum payment each month.
• Exclusive Offers: Special discounts and promotions with retail partners and online stores.
• Digital Services: CIMB provides convenient digital banking tools to manage your card account online or through their 
• mobile app.
• Security Features: Cards come with advanced fraud protection, including OTP (One-Time Password) for transactions.

Eligibility Criteria

• Age: Generally, applicants must be at least 21 years old (for primary cardholders).
• Income: You will need to meet a minimum annual income requirement, which varies by card type (typically starting from 
• MYR 36,000 to MYR 100,000+ in annual income).
• Documents: Valid identification, proof of income (e.g., payslips, bank statements), and proof of residence may be 
• required.

How to Apply for a CIMB Credit Card

1. Online: Visit the CIMB website for your region and fill out the online application form.
2. In Branch: You can also apply by visiting a CIMB branch and submitting your documents.
3. Via Phone: Call CIMB's customer service or use the mobile banking app to inquire about credit card options and apply.

To apply for a credit card online with CIMB, follow these general steps:

1. Visit CIMB's Official Website: Go to the official CIMB website for your region (e.g., CIMB Malaysia or CIMB Singapore) by typing the URL into your browser.

2. Navigate to the Credit Card Section: Look for the "Credit Cards" or "Personal Banking" section in the main menu. This is where you will find all available credit card options.

3. Choose the Right Credit Card: Browse through the different types of credit cards (e.g., rewards cards, cashback cards, low-interest cards) and select the one that suits your needs.

4. Check Eligibility Requirements: Ensure you meet the eligibility criteria for the card you are interested in, such as age, income level, and other factors. This information is typically found on the credit card product page.

5. Fill Out the Online Application Form: Click the "Apply Now" button for your chosen credit card. You will need to provide personal information such as your name, address, contact details, employment information, income details, and other required documentation (e.g., ID proof, salary slips, etc.).

6. Submit Supporting Documents: You may be required to upload scanned copies of supporting documents, such as:

   • Proof of identity (e.g., NRIC, passport)
   • Proof of income (e.g., payslips, bank statements)
   • Proof of address (e.g., utility bills)

7. Review and Confirm Application: Double-check the information you’ve entered and confirm your application.

8. Wait for Approval: After submitting your application, CIMB will process it. You’ll typically receive a response regarding approval within a few days. If you’re approved, your credit card will be mailed to you.

9. Activate Your Card: Once you receive your card, you may need to activate it via CIMB's online banking or mobile app before you can start using it.