CIMB Platinum Credit Card
CIMB Platinum Credit Card
RM 2,000
Minimum monthly income
RM 0
Annual fee
waived for life
15%
Interest rate p.a
7.99%
Balance transfer rate (fixed)
Product details
Product details
Features
Good for
Rewards/Offers
1X Bonus Points for every RM1.00 on All spend
ZERO Annual Fee
Up to RM1,000,000 Travel Insurance coverage
Eligibility
| Minimum monthly income | RM 2,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 0 | waived for life |
| Annual fee waiver | Yes | waived for life |
| Late payment fee | RM 10/1% | 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate | 15% | Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) | 7.99% | 12 months Balance Transfer period |
| Annual fee |
RM 0 waived for life |
| Annual fee waiver |
Yes waived for life |
| Late payment fee |
RM 10/1% 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate |
15% Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) |
7.99% 12 months Balance Transfer period |
Document required to apply
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Malaysian):
Multinational / Public listed Companies/Government/Semi Government office
- Photocopy of MyKad (both sides)
- Latest month salary slip for fixed Income earner or latest 3 month salary slip for Variable Income Earner OR
- Latest EPF statement with minimum 6 months contribution.
Other Companies
- Photocopy of MyKad (both sides)
- Latest 3 month salary slip
- Latest EPF statement with minimum 6 months contribution.
Self Employed (Malaysian):
- Photocopy of MyKad (both sides)
- Minimum latest 6 months company bank statement OR
- Photocopy of Business Registration Form
- Latest income tax return Form B AND LHDN payment receipt OR
- Latest income tax return Form B AND e-filing acknowledgement receipt
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Are you into a credit card that offers rewards? The CIMB Platinum Visa or Mastercard does just that. With every swipe made to your CIMB Visa or Mastercard Platinum Credit Card, you’ll not only be entitled to receive rewards, but also several other privileges and perks as well.
Earn Bonus Points for every purchase
For times when you prefer to pay for your monthly expenses with a credit card, feel at ease knowing that for all your purchases made with your CIMB Platinum Visa or Mastercard, receive 1 CIMB Bonus Point for each RM1 spent. Once you’ve accumulated all the CIMB Credit Card bonus points, you can redeem a wide selection of gifts from their catalogue.
Every month, if you’re in charge of buying groceries in your household, you’ll receive 5x CIMB Bonus Points at any grocery stores in Malaysia. This applies to any outlets as well. The common grocery stores include Tesco, Giant, Jaya Grocer, and many more. You can also receive a 50% rebate when you Pay With Points (PWP), which is your accumulated CIMB Bonus Points, applicable at any participating grocery stores.
Receive travel benefits from CIMB Platinum Credit Cards
Love to bring back souvenirs when you’re travelling all across Malaysia? When you head over to The ZON Duty Free outlets in Malaysia, get 10% OFF from your total bill.
Travelling all over the world, and not just Malaysia? Be rest assured knowing you’ll be covered for up to RM1,000,000! Just be sure to charge your flight tickets in full with your CIMB Platinum Visa or Mastercard. For times when you lost a luggage or missed a flight, simply rely on your travel insurance.
Enjoy monthly installments with CIMB 0% Easy Pay
When you’re not able to pay your purchases in full amount, that’s okay - because with the CIMB Platinum Visa or Mastercard, you can split the total amount with smaller monthly installments. Bear in mind, this feature is only valid for all retail purchases only. But to be frank, when we splurge at retail stores, we really do need CIMB 0% Easy Pay.
FAQs
FAQs
To apply for the CIMB Platinum Visa/Mastercard, you can do so with our online application form in just two steps. Key in all your information and submit it. We will then help to process your application further. It’s as simple as that! But if you find yourself struggling to apply online or you have questions needed to be answered, reach out to our customer service hotline +6012-385 0211.
You only need to be earning a minimum income of RM2,000 to be eligible for the CIMB Platinum Visa/Mastercard. As for your age, you have to be at least 21 years old and above but if not, you can also opt for the supplementary card provided you are 18 years old and above.
There is zero annual fee when you sign up for the CIMB Platinum Visa/Mastercard. Unlike other credit cards where there are certain requirements needed to be met in order to get the annual fees waived, the CIMB Platinum Visa/Mastercard simply just offers no annual fees for a lifetime without any obligations.
Despite not having any annual fees, there will be other fees which you have to pay if required. For instance, if you do not make your payment fees on time, there is a fee of RM10 or 1% from the total amount you’ve missed. There will be a sales and service tax charge of RM25 as well which applies to supplementary and principal cardholders. If you withdraw any cash with your credit card, there is also a fee of RM15 or 5% from the total amount that you withdraw.
- Gain 5x Bonus Points for all your grocery stores purchases
- Gain 1x Bonus Points for all your purchases
- Monthly installments using CIMB 0% EasyPay for retail purchases
- Travel benefits including travel insurance coverage and discounts
- No annual fees for a lifetime
If you are in the middle income range, you can apply for the CIMB Platinum Visa/Mastercard since you only need to be earning more than RM2,000 a month. Plus, most probably you will only be spending on the important things, such as groceries and any retail spendings, so you will be able to make the most out of the rewards earned through those categories. Bonus if you love to travel too!
