• Min. Monthly Income


  • Interest Rate

    15% p.a.

  • Balance Transfer

    5.99% p.a.

  • Annual Fee


Feature Highlights
  • 10% Cash Rebate on monthly interest charged
  • 5% Cash Rebate on online spend
  • 2% Cash Rebate on spend


  • 5% cash rebate per month on online shopping


  • 2% cash rebate per month


  • 2% cash rebate per month


  • 2% cash rebate per month (via Standing Instruction only)

Other Features

  • 0.2% cash rebate for other expenditures

  • Up to 25% discount and additional 20% cash rebate at participating merchants like Zalora, GSC, Expedia, Agoda, Lazada and many more

  • Balance Transfer

    • Min. transfer amount: RM1,000
    • [Plan A]: 5.99% p.a for a tenure of 6 months
    • [Plan B]: 7.99% for a tenure of 12 months

  • Instalment Plan

    • 0% Instalment Payment Plan at all participating merchants

Card Information

Annual Fee Free
Min. Monthly Income RM2,000
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder Free 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

Goods & Services Tax (GST)

6% on annual fee and other charges

Late payment charge

Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100

Cash advance amount

80% of prescribed available 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

RM50 per card

Rewards points expiry


Product Review by iMoney Malaysia

Shop Online, Get Cash Rebates!

The CIMB Cash Rebate Gold card gives 5% cash rebate and up to 25% discounts and another 20% additional cash rebates when you shop online on various participating sites. Besides, it offers a 10% cash rebate on monthly interest charged with no maximum capping and 2% cash rebate on petrol and groceries and 2% cash rebate on mobile and utility bill payment (via standing instructions). This card comes with a complimentary Touch ‘n Go Zing Card with 'No Reload Fee" as well!

Fees and Charges

The annual fee for this card is free for life! However the “No Reload Fee” is only valid until 31st December 2014 and there is also a cashback limit of RM50 per card. By settling your payments promptly on time (this means settling the minimum payment, 5% of the outstanding balance or RM50 whichever is higher) you get to enjoy a low finance charge of 15% per annum. As for the late payment charges, amount charged will be 1% of outstanding balance or RM10 (whichever is higher), capped to a maximum of RM 100. Also, if you wish to do a balance transfer, there is a minimum transfer amount of RM 1,000 and comes with a 5.99% rate for the 6 months tenure and 7.99% for a tenure of 12 months.

Are You Eligible For The CIMB Cash Rebate Gold Card

To apply for CIMB Cash Rebate Gold Card, you need a minimum income of RM2,000 and to be at least 21 years old for principal holder and at least 18 years old for supplementary holder.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as CIMB Cash Rebate Platinum Card and HSBC Premier World MasterCard, which may match your requirements.

If you prefer to broaden your credit card search, review more CIMB credit cards and start comparing today!