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CIMB · No rewards

CIMB Lite-i

Earns
No rewards
Lounge
Not stated
Min income
RM24,000 a year
Annual fee
Free for life 1% overseas fee, lower than most
See it on CIMB's site

Good for

  • A simple Islamic card: one fixed 14% a year profit rate on purchases and cash advances.
  • No annual fee for the life of the card.

Watch out

  • No points, cash back or other rewards.
  • The credit limit is at most RM20,000, or twice your monthly income if that is lower.

What it earns

This card earns no rewards.

SpendingEarnsDetails
Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up and moreNothing Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

Travel

Overseas spending fee
1% 1% CIMB admin charge, plus any fee Visa or Mastercard adds.

Fees and charges

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
14% a year An Islamic card (Commodity Murabahah, Tawarruq): one fixed effective profit rate, whatever your payment record. 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
Ta'widh: actual cost up to 1% of the unpaid balance, RM10 to RM100 A compensation charge when the minimum payment is late.
Cash withdrawal
1% fee, at least RM4.00 Plus 8% service tax on the fee, and a 14% a year profit rate from the day you take it out.
Replacement card
RM20

Who can apply

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.

Other perks

Pay by phone
Apple Pay, Google Pay, Samsung Pay Add it in the CIMB OCTO app.

Where this comes from