CIMB · Mastercard · Miles

CIMB Platinum-i

Good for

An Islamic card with no annual fee and a low RM24,000 income gate. 1 point per RM1.
Zakat and charity earn 5 points per RM1 until 28 February 2027.

Just 1 point per RM1 on other spend. Petrol and e-wallet reloads earn nothing.
The zakat bonus comes from a points pool shared by all cardholders, first come, first served, and is credited each quarter.
1% CIMB fee on every foreign currency charge.

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

Spending	Earns	Details
Spending in shops or online	1 point per RM	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 and MAE / other e-wallet.

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.

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 An Islamic card (Commodity Murabahah, Tawarruq): these are effective profit rates. They depend 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: 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 an 18% a year profit rate from the day you take it out.
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