• Min. Monthly Income


  • Interest Rate

    15% p.a.

  • Balance Transfer

    5.99% p.a.

  • Annual Fee


Feature Highlights
  • Earn up to 2x Malaysia Airlines (MAS) Enrich Miles with retail spending
  • Travel Accident Insurance with coverage of up to RM1,000,000
  • Purchase 1 First Class or Business Class ticket and get 1 free


  • 2 Enrich Miles with every RM4 spent overseas
  • 1.5 Enrich Miles with every RM6 spent locally
  • 1 Enrich Miles with every RM1 spent on Malaysia Airlines' Online Booking

Other Features

  • 2 complimentary access to Malaysia Airlines Golden Lounge in and outside Malaysia

  • 10% off on in-flight purchases on all Malaysia Airlines (MAS) flights

  • Dining discount of up to 50%

  • Up to 20% off on retail transactions at participating merchants

  • Protection Plan

    • Travel Accident Insurance with coverage of up to RM1,000,000 when charging the full airfare to the credit card
    • Credit Protector Plan

  • 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 RM888 (Free with spending of: RM500,000 and above: 100% waiver; RM250,000 – RM499,999: 50% waiver; RM249,999 and below: no waiver)
Min. Monthly Income RM20,000
Min. age for principal holder


Min. age for supplementary holder


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

RM5,000 per day

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


Rewards points expiry


Product Review by iMoney Malaysia

Travel the World, Exclusively!

Prepare to embark on a journey exclusively available to you with the CIMB Enrich World Credit Card that provides you the exclusive deals and discounts on entertainment, travelling and fine dining with discounts up to 50%! Enrich yourself by travelling and opening your eyes to the world in comfort as you will get a free business class ticket when you buy one. Feel safe when you travel as you will get a complimentary Travel Accident Insurance with coverage of up to RM 1,000,000. Besides, you could earn up to 2x Malaysian Airlines (MAS) Enrich Miles with retail spending and also get a 10% off on in-flight shopping on all MAS flights. Earn 2 Enrich Miles for every RM4 spend overseas and 1.5 Enrich Miles for every RM6 spent locally. In addition to that, you get 1 Enrich Miles for every RM1 spent on Malaysian Airlines’ Online Booking. Moreover, the benefits does not stop here as you could get up to 20% off on retail transactions and enjoy a 0% installment payment plan at all participating merchants. This card is great for frequent travellers who fancy flying with Malaysia Airlines.

Fees and Charges

For this card, the annual fee is RM941.28. However, you can get a 100% fee waiver when you spend at least RM500,000 with the card and 50% waiver when you spend RM250,000 to RM 499,999. The annual fee is waived for the supplementary card and is free for life. 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 the outstanding balance or RM10 (whichever is higher), capped to a maximum of RM 100. Also, if you are looking to conduct 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 Enrich World Card

Membership for this card is by invitation only and you have 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 Visa Infinite 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!