• Min. Monthly Income

    RM8,333

  • Interest Rate

    15% p.a.

  • Balance Transfer

    5.99% p.a.

  • Annual Fee

    Free

Feature Highlights
  • Travel Accident Insurance with coverage of up to RM1,000,000
  • Year-long discounts at over 500 participating merchants
  • Convert Bonus Points into Malaysia Airlines Enrich Miles
Shopping
5.35/10
Entertainment
5.35/10
Groceries
5.35/10
Dining
5.35/10
Petrol
5.33/10

Shopping

  • 2x Bonus Points with every RM1 spent overseas
  • 1x Bonus Point with every RM1 spend locally

Entertainment

  • 2x Bonus Points with every RM1 spent overseas
  • 1x Bonus Point with every RM1 spend locally

Groceries

  • 2x Bonus Points with every RM1 spent overseas
  • 1x Bonus Point with every RM1 spend locally

Dining

  • 2x Bonus Points with every RM1 spent overseas
  • 1x Bonus Point with every RM1 spend locally

Petrol

  • 2x Bonus Points with every RM1 spent overseas
  • 1x Bonus Point with every RM1 spend locally

Other Features

  • Year-long discounts at over 500 dining, retail, and lifestyle merchants

  • Protection Plan

    • Travel Accident Insurance with coverage of up to RM1,000,000 when full airfare is charged 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 Free
Min. Monthly Income RM8,333
Min. age for principal holder

21

Min. age for supplementary holder

18

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

RM80 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

N/A

Rewards points expiry

3 years

Product Review by iMoney Malaysia

More Points, Free flight!

With the CIMB World MasterCard, you could earn great rewards of 2x bonus points with every RM1 spent overseas in retail on entertainment, groceries, shopping and petrol and also 1x Bonus Points earned with every RM1 spent locally (points deemed expire in three years). Accumulated bonus points can be used to redeem exclusive merchandise and gifts from CIMB bank’s members rewards catalogue. You could also convert the bonus points into Malaysia Airlines Enrich Miles, your next trip could potentially be free. In addition to that, you get to enjoy year-long discounts at over 500 dining, retail and lifestyle merchants. Travel with ease as the dedicated CIMB Premier travel desk with sort out all of your travel needs and you also have a travel accident insurance with a coverage of up to RM1,000,000. Besides, this card gives you a complimentary 1-night stay at featured hotels with up to 75% discount on 55,000 hotels worldwide and special offers and arrangement awaits you with travel, shopping and golfing privileges.

Fees and Charges

The annual fee 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. Rewards points expire after 3 years.

Are You Eligible For The CIMB World MasterCard?

To apply for CIMB World MasterCard, you need a minimum income of RM8,333 and to be at least 21 years old.

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 Signature and AmBank Visa Signature Credit Card, which may match your requirements.

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