CIMB · Visa · Miles

CIMB e Card

Good for

Online, contactless and auto-billing spend on the 28th. 12 points per RM1.
3 points per RM1 on the same spend other days. First year free for new cardholders.

Points are capped at 20,000 per statement.
RM80 annual fee from the second year unless you spend RM6,000 a year.
In-store PIN spend earns only 1 point per RM1, and airlines and insurance earn nothing.

Bonus Points, per RM spent. Each row says what the points are worth.

Spending	Earns	Details
Spending online or in shops on the 28th	12 points per RM	Up to 20,000 points a month, shared with Spending in shops and Spending online or in shops. 0.96 miles per RM with Enrich, or 0.8 miles per RM with KrisFlyer or Asia Miles.
Spending online or in shops	3 points per RM	Up to 20,000 points a month, shared with Spending in shops and Spending online or in shops on the 28th. 0.24 miles per RM with Enrich, or 0.2 miles per RM with KrisFlyer or Asia Miles.
Spending in shops	1 point per RM	Up to 20,000 points a month, shared with Spending online or in shops on the 28th and Spending online or in shops. 0.08 miles per RM with Enrich, or 0.07 miles per RM with KrisFlyer or Asia Miles.
Petrol, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers and more	Nothing	Petrol, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up, MAE / other e-wallet, Airlines (direct) and Insurance.

Enrich: 12,500 points for 1,000 miles Moved in blocks of 62,500 points.
KrisFlyer: 15,000 points for 1,000 miles Moved in blocks of 75,000 points.
Asia Miles: 15,000 points for 1,000 miles Moved in blocks of 75,000 points.

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: RM80 Free the first year. Waived if you spend RM6,000 in a year.
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: Visa