Best CIMB Credit Cards in Malaysia

CIMB offers one of the most varied credit card line-ups in Malaysia, spanning everyday cashback, petrol savings, flexible reward points and premium travel. The catch is that many of CIMB’s cashback cards reward you generously but cap the rebate tightly, so the “best” CIMB card depends heavily on where and how much you spend. This guide is verified for June 2026 — we have updated every rate, fee and eligibility figure and added a clear framework to help you choose. Always confirm the latest terms with CIMB before applying.

Quick Answer: Best CIMB Credit Card for Each Need (2026)

CIMB Credit Cards Comparison (2026)

Figures verified June 2026 against CIMB’s official product pages and reputable comparison sources. All CIMB cards carry the RM25/year government service tax even when the annual fee is waived. Confirm the latest terms with the issuer before applying.

Best CIMB Credit Cards in Malaysia

1. CIMB Cash Rebate Platinum — best for everyday cashback

Features & Benefits

• Up to 5% cash rebate on groceries, petrol, cinema, mobile and utility bill payments — the 5% rate applies once your statement balance/monthly spend reaches RM3,000; below that you earn 2% on these categories.
• 12% cash rebate on weekend dining (Saturday and Sunday) with no minimum spend — a strong perk if you eat out at weekends.
• 0.2% rebate on other retail and online spending.
• Important: total cash rebate is capped at RM30 per cardholder per statement cycle, so this card rewards focused, not high-volume, spending.
• Up to RM1 million travel insurance coverage.

Eligibility

• Minimum annual income of RM24,000 (about RM2,000/month).
• Principal cardholder at least 21 years old; supplementary at least 18.

Fees & Charges

• No annual fee for life (principal and supplementary).
• RM25 government service tax per card on activation and each anniversary.
• Minimum monthly payment of 5% of the outstanding balance or RM50, whichever is higher.
• Late payment charge of 1% of outstanding balance or RM10, whichever is higher, capped at RM100.
• Cash advance fee of 5% or RM15, whichever is higher (confirm current rate with CIMB).
• Tiered finance charges of 15%/17%/18% per year set by Bank Negara Malaysia.

2. CIMB PETRONAS Visa Platinum-i — best for petrol

Features & Benefits

• Up to 8% cashback on PETRONAS fuel, paid with the physical card or via the Setel app, when your statement balance reaches RM2,000 or more (4% for a statement balance of RM500–RM1,999), capped at RM50 per cardholder per statement cycle.
• 2% cashback on groceries, dining and cashless parking when your statement balance reaches RM2,000.
• A Shariah-compliant (Islamic) credit card with no annual fee for life.
• Tip: heavy fuel spenders who can meet the higher income tier should also look at the CIMB PETRONAS Visa Infinite-i, which offers up to 12% cashback on PETRONAS spending.

Eligibility

• Minimum annual income of RM24,000 (about RM2,000/month).
• Principal cardholder at least 21 years old; supplementary at least 18.

Fees & Charges

• No annual fee for life; RM25 service tax per card.
• Minimum payment 5% or RM50, whichever is higher; late charge 1% or RM10 (max RM100).
• Cash advance fee 5% or RM15, whichever is higher; finance charges 15%–18% per year.

3. CIMB Travel Platinum — best entry travel card

Features & Benefits

• Up to 5X Bonus Points on overseas spending, airlines and duty-free shopping.
• Up to 2X Bonus Points on local spending; 1X on local education, utilities and insurance.
• Up to 4X complimentary Plaza Premium Lounge access in Malaysia and abroad (1 visit per quarter with a minimum RM3,000 quarterly spend).
• 2X Grab airport transfers to/from selected Malaysian airports (minimum RM3,000 quarterly spend).
• Travel insurance coverage up to RM1 million.

Eligibility

• Minimum annual income of RM24,000 (about RM2,000/month); principal at least 21, supplementary at least 18.

Fees & Charges

• No annual fee; RM25 service tax per card.
• Minimum payment 5% or RM50; late charge 1% or RM10 (max RM100); cash advance 5% or RM15; finance charges 15%–18% per year.

4. CIMB Visa Signature — best for moderate earners who travel

Features & Benefits

• 2X Bonus Points for overseas spending; 1X for local spending.
• Complimentary international airport lounge access plus Subang SkyPark lounge entries (subject to spend conditions).
• Travel insurance coverage up to RM1 million and travel medical coverage up to USD100,000.

Eligibility

• Minimum annual income of RM60,000 (about RM5,000/month) — corrected from a previously listed RM100,000 figure.
• Principal cardholder at least 21 years old; supplementary at least 18.

Fees & Charges

• No annual fee for life; RM25 service tax per card.
• Minimum payment 5% or RM50; late charge 1% or RM10 (max RM100); cash advance 5% or RM15; finance charges 15%–18% per year.

5. CIMB Visa Infinite — best premium rewards card

Features & Benefits

• 5X Bonus Points on all overseas spending and dining; 1X on retail spend.
• 5X complimentary airport lounge visits in the first year, renewable annually with a minimum RM60,000 spend.
• Access to CIMB’s 12 airline transfer partners for flight redemptions.
• No annual fee for life.

Eligibility

• Minimum annual income of RM120,000 (about RM10,000/month); principal at least 21, supplementary at least 18.

Fees & Charges

• No annual fee for life; RM25 service tax per card.
• Minimum payment 5% or RM50; late charge 1% or RM10 (max RM100); cash advance 5% or RM15; finance charges 15%–18% per year.

6. CIMB Travel World Mastercard — best for frequent flyers

Features & Benefits

• Up to 8X Bonus Points on overseas spending, airlines and duty-free stores.
• Up to 2X on local spending and 1X on local education, insurance and utilities.
• Up to 12X complimentary Plaza Premium Lounge visits in Malaysia and worldwide.
• Best-in-class points-to-flight conversion through CIMB’s airline partners.

Eligibility

• Minimum annual income of RM60,000 (about RM5,000/month); principal at least 21, supplementary at least 18.

Fees & Charges

• Annual fee RM554.72; waived with RM120,000 annual spend (50% waived above RM60,000 spend). Confirm the current fee with CIMB.
• RM25 service tax per card; minimum payment 5% or RM50; late charge 1% or RM10 (max RM100); cash advance 5% or RM15; finance charges 15%–18% per year.

Understanding CIMB Credit Card Interest & the RM30 Cap Trap

Two things trip up most CIMB cardholders: finance charges and the rebate cap. Like all Malaysian credit cards, CIMB finance charges follow Bank Negara Malaysia’s tiered structure:

You pay no interest at all if you settle your statement in full within the interest-free period. The other thing to watch is CIMB’s tight rebate caps: the Cash Rebate Platinum caps total cashback at RM30 per cycle, and the PETRONAS Visa Platinum-i at RM50. That means you hit the maximum benefit with fairly modest spending — beyond that, extra spend earns almost nothing, so pairing two cards often beats funnelling everything onto one. Carrying card debt? A balance transfer or CIMB’s 0% Easy Pay instalment plan can sharply cut your interest cost.

How to Choose the Right CIMB Credit Card

CIMB’s caps make card selection a question of matching the card to your single biggest spend habit. Use this framework:

• Weekend diners and household spenders: the Cash Rebate Platinum’s 12% weekend dining and 5% on petrol/groceries/bills is hard to beat — just remember the RM30 monthly cap.
• Drivers: the PETRONAS Visa Platinum-i (8%, RM50 cap) is the everyday pick; very heavy fuel users who qualify should compare the PETRONAS Visa Infinite-i (up to 12%). See our best petrol credit cards guide.
• Travellers: match the card to your income — Travel Platinum (RM24k), Travel World Mastercard (RM60k) or Visa Infinite (RM120k). The higher tiers earn more points and more lounge access.
• Check the income gate first. RM24,000/year unlocks the cashback, PETRONAS and Travel Platinum cards; RM60,000 the Visa Signature and Travel World; RM120,000 the Visa Infinite.
• Mind the two-issuer rule. If you earn RM36,000 or less per year, Bank Negara limits you to credit cards from a maximum of two issuers, with a combined limit of two times your monthly income per issuer.

Worked example. Say you spend RM250 on weekend dining and RM600 on groceries/petrol/bills each month on the Cash Rebate Platinum. Weekend dining earns 12% (RM30) and the other categories earn up to 5% — but because the total rebate is capped at RM30 per cycle, your weekend dining alone already maxes it out. The lesson: use the Cash Rebate Platinum for weekend dining and run your petrol on the PETRONAS card so each card’s cap works for you. For non-CIMB alternatives, compare our best credit cards in Malaysia and best cashback credit cards roundups.

Common Pitfalls to Avoid

• Overspending past the cap. Once you hit RM30 (Cash Rebate) or RM50 (PETRONAS) in a cycle, additional category spend earns little — don’t chase rebate you can’t earn.
• Revolving a balance. 15%–18% finance charges dwarf any cashback. Treat these as full-payment cards.
• Missing the statement-balance tiers. The 5% (Cash Rebate) and 8% (PETRONAS) rates only kick in once your statement balance crosses RM3,000 and RM2,000 respectively — spend below that and you earn the lower rate.
• Ignoring your credit health. Approval depends on your record — check it first via our guide on how to check your CTOS report.

CIMB Credit Card Promotions and Bonuses

CIMB cardholders can transfer Bonus Points to 12 airline partners for flight redemptions, and use the CIMB 0% Easy Pay instalment plan to spread big purchases over 3 to 36 months at participating merchants with no processing fee. The CIMB Balance Transfer Plan lets you move higher-interest debt from other banks to CIMB at a lower rate, while CIMB CashLite converts part of your credit limit into cash at a fixed rate. Watch CIMB’s latest promotions page for limited-time sign-up gifts and seasonal cashback boosts.

Benefits of Using CIMB Credit Cards

CIMB credit cards combine everyday value with practical flexibility — cashback on the spending you do most, reward points that convert into flights, and tools like 0% Easy Pay, Balance Transfer and CashLite to manage larger expenses. Most cards are free for life, which keeps the cost of holding them low even if you only use them occasionally.

CIMB Bonus Points

When you spend on a CIMB rewards card you earn Bonus Points redeemable for miles, vouchers, gifts or Pay With Points. CIMB’s travel cards offer fast flight redemption with a favourable conversion rate, making them attractive for frequent flyers.

Security and Convenience

All CIMB cards use EMV chip technology and SMS transaction alerts, and are managed through the CIMB OCTO app for balance checks, payments and instant card controls.

How to Apply for a CIMB Credit Card

Once you have chosen your card, applying is straightforward. Prepare your documents first to speed up approval.

Eligibility Criteria

Documents Required

You can apply online via the CIMB website or the CIMB OCTO app, or at any branch. CIMB typically reviews applications within 7–10 business days, then notifies approval and your credit limit by SMS or email. Your card arrives by mail (shipped inactive) and must be activated via the CIMB OCTO app before use. You can track your application status online with your reference number or by calling the CIMB hotline.

Conclusion: Find the Right CIMB Credit Card for Your Needs

CIMB’s 2026 line-up rewards focused spenders best: the Cash Rebate Platinum is excellent for weekend dining and household bills, the PETRONAS Visa Platinum-i is a strong everyday petrol card, and the Visa Infinite and Travel World Mastercard suit higher earners who travel. Just keep the RM30 and RM50 rebate caps in mind, match the card to your largest spend category, and always pay in full to keep your rewards intact. For a wider comparison, visit our Best Credit Card in Malaysia and best travel credit cards pages.

Authoritative references: CIMB credit cards and Bank Negara Malaysia.

Frequently Asked Questions

**Disclaimer

This content is provided by KayaToday for general informational purposes only and should not be construed as financial or legal advice. While we make every effort to deliver accurate and up-to-date information (verified June 2026), we make no guarantees regarding the completeness, accuracy or reliability of any material supplied. CIMB credit card terms and conditions, fees and incentives are subject to change at the bank’s discretion. For the most current and personalised advice, please confirm directly with CIMB or a licensed financial adviser. Any information used here is entirely at your own risk.