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CIMB · Mastercard · Miles

CIMB Platinum Mastercard

Earns
0.08 miles per RM Dining
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

  • No annual fee and a low RM24,000 income gate. 1 point per RM1, at home or abroad.
  • 0% Easy Pay instalments up to 36 months at participating shops.

Watch out

  • Just 1 point per RM1 on everything. Petrol and e-wallet reloads earn nothing.
  • No lounge access or travel insurance listed.
  • 1% CIMB fee on every foreign currency charge.

What it earns

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

SpendingEarnsDetails
Spending in shops or online1 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 moreNothing 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.

Points and transfers

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.

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
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

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.
Card network
Mastercard

Where this comes from