CIMB · Mastercard · Cashback

CIMB Cash Rebate Platinum

Good for

Groceries, petrol, cinema and bills paid by standing instruction. 5% back when your statement balance is RM3,000 or more.
No annual fee. 0.2% back on other spend, with no cap.

All bonus cash back shares one RM30 cap per statement.
Below a RM3,000 statement balance the bonus rate is 2%.
No lounge access, travel insurance or other perks.
Cash back is paid in whole ringgit, rounded down, so you can get up to RM0.99 a month less than the calculator shows.

Cash back, as a share of what you spend.

Counts toward the minimum: every billed purchase. Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reloads, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet count but earn nothing.

Spending	Under RM3,000	RM3,000 or more	Monthly cap
Cinemas, Petrol and Groceries in shops or online	2%	5%	RM30 shared with Utilities and Telco on recurring payments, reached at RM600 between them, or RM1,500 under RM3,000
Utilities and Telco on recurring payments	2%	5%	RM30 shared with Cinemas, Petrol and Groceries in shops or online, reached at RM600 between them, or RM1,500 under RM3,000
Everything else in shops or online	0.2%	0.2%	None
Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet	Nothing	Nothing

How it's paid: Statement credit, next month Each month's cash back is rounded down to the whole ringgit and credited to your card account on the next month's statement. It pays off finance charges first, then your purchases.
Which month counts: Your statement month The 2% or 5% level, the RM30 cap and the cash back are counted per statement cycle, up to the statement date. The level uses your statement balance, which counts any balance carried forward and subtracts payments made before the statement date.
When you lose it: Missed minimum payment Miss the minimum payment by the due date and that month's cash back is not credited on the next statement. The account must be current and in good standing. A reversed transaction takes back cash back at the reversal month's rate, which can be more than it earned, and the bank can cancel cash back on a disputed or fraudulent one.

Airport lounges: None
Overseas spending fee: 1% 1% CIMB admin charge, plus any fee Visa or Mastercard adds.

What it costs if you don't pay in full, or use it for cash.

Annual fee: Free for life No spending needed to keep it free.
Extra (supplementary) cards: Free The RM25 service tax still applies each year.
Service tax: RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest: 15%, 17% or 18% a year Depends on how reliably you paid the minimum over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment: 5% of the balance, or RM50 Whichever is higher, plus any instalments, service tax and unpaid past minimums.
Late payment: 1% of the unpaid balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal: 1% fee, at least RM4.11 Plus 8% service tax on the fee, and 18% a year interest from the day you take it out. No interest-free days.
Replacement card: RM20

Income: RM24,000 a year or more
Age: 21 or older Extra cardholders from 18.
Documents: MyKad (NRIC)
Employees: latest 1 to 3 months of payslips, or an EPF statement with at least 6 months of contributions
Self-employed: 6 months of company bank statements and business registration, or your latest Form B with the LHDN payment receipt
One month of payslips is enough at large or listed companies with a fixed salary. Others need 3 months, plus salary bank statements if the employer is smaller.

Pay by phone: Apple Pay, Google Pay, Samsung Pay Add it in the CIMB OCTO app.
Card network: Mastercard