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Main Features

Groceries

5.35/10
  • 2% cashback every month at all Mesra convenient stores
  • 0.5% cashback every month at all other stores

Dining

4.33/10
  • 0.5% cashback every month

Shopping

4.33/10
  • 0.5% cashback every month

Utilities

4.33/10
  • 0.5% cashback every month

Other Features

  • Up to 20% discount at participating merchants

  • 10% cashback on car service at any Perodua Service Centres

  • 10 months 0% interest Easy Pay Plan on down payment for a new Perodua car

  • Up to 35% discount at CARs International

  • Free CIMB Touch ‘n’ Go Zing card for all new cardholders

  • Balance Transfer

    • Min. transfer amount: RM1,000
    • 0% interest rate for first 6 months for new CIMB Bank credit cards
      - 12 months: 10% per annum; 0% one-time upfront fee
  • Instalment Plan

    • 0% Instalment Payment Plan at all participating merchants
Annual fee Waived for life
Min. monthly income RM4,000
Min. age for principal holder 21 and above
Min. age for supplementary holder 18 and above
Fee for supplementary holder Waived for life
Finance charges
  • 15% p.a. – prompt minimum payment for 12 consecutive months
  • 17% p.a. – prompt payment of at least 10 out of 12 months
  • 18% p.a. – if the above are not met
Government Service Tax RM50 (principal holder); RM25 (supplementary holder)
Government Service Tax waiver conditions N/A
Late payment charge Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100
Cash advance amount 80% of credit limit
Cash advance charge Higher of RM15 or 5% of cash advance amount
Cash advance interest charge 18% per annum on cash advance amount
Cashback limit Unlimited
Rewards points expiry N/A

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