CIMB Enrich World MasterCard credit card

CIMB Enrich World MasterCard

A truly travel credit card gives you 8x access to MAS golden lounge, Enrich Miles conversions, exclusive golf privileges and complimentary insurance coverage.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 5.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM554.72 annual fee
  • Earn up to 1x reward point 

RinggitPlus will help you all the way! No wait for call, no paper form to fill in, just a simple chat.

Start Application

View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Saving for your end-year holiday? Charge your CIMB Enrich World MasterCard and earn 1 Bonus Mile for every RM1.50 spent overseas and 1 Bonus Mile for every RM3.00 spent locally.
CIMB Bonus Miles
1 point on every RM1on all overseas retail spends
1 point on every RM3on all local retail spends
Your CIMB Bonus Miles earned expires in  3 years
Balance Transfer
Consolidate all your credit card outstanding balances to your brand new CIMB Enrich World MasterCard to enjoy lower interest rate at 5.99% p.a. for up to 12 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months5.99% p.a. and no one-time upfront handling feefrom RM1000 
12 months7.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about CIMB Balance Transfer Plan
Easy Payment Plan (EPP)
Enjoy interest-free installment and flexibility in your repayment up to 36 months with CIMB 0% Easy Pay.
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feefrom RM50 
24 months0% p.a. and no one-time upfront handling feefrom RM50 
36 months0% p.a. and no one-time upfront handling feefrom RM50 
Learn more about CIMB 0% Easy Pay
Travel with peace of mind when you charge full airlines tickets to your CIMB Enrich World MasterCard as you will be covered with up to RM1 million travel insurance, including travel inconveniences. Communicate your travel needs to a dedicated CIMB Premier travel desk.
Travel CoverageSum Insured
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM1000
Missed FlightUp to RM1000
Lost LuggageUp to RM1000
Delayed LuggageUp to RM1000
Exclusive access to MAS golden lounge at selected airport worldwide up to 8x per year for principal cardholders and priority booking 4 hours ahead of promotions. That's not all, you can tee-off at your favorite golf courses up to 4x in a year for a limited time only!

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Waived when when you spend RM500,000 a year. 50% waiver when you spend RM250,000 - RM499,999
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysians Only


Get some extra help from your credit card when you need it most

Easy Payment Plan
CIMB 0% Easy Pay
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
CIMB CashLite
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
CIMB Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

CIMB Enrich World MasterCard review

What's so good (or not so good) about it?

Accelerate your Bonus Miles earning every time you spend with CIMB Enrich World MasterCard - a travel credit card that gives your airmiles redemption and a host of privileges from dining, hotel and shopping to premium golfing in the region. Travel the world as is there is no tomorrow!

Redeem Enrich Miles with Bonus Miles

Flying with Malaysia Airlines in the Business or First Class is among the many privileges in life; and CIMB enables you to enjoy a pleasurable journey 30,000ft above the ground free of charges under the Airlines Miles Redemption program.

To redeem free flights at a conversion rate of 1,000 Enrich Miles equivalent to 1,000 Bonus Miles, you need to spend on your CIMB Enrich World MasterCard. For every RM1.50 spent overseas and RM3 spent locally, you will earn 1x Bonus Mile.

Just remember, accumulated Bonus Miles have a life span of 3 years.

8x Access to MAS Golden Lounge

Claiming free flight tickets is only the prelude to an exclusive journey; the real journey begins when you reached the Kuala Lumpur International Airport ( KLIA).

By flashing your CIMB Enrich World MasterCard, NRIC and boarding pass, you can enjoy up to 8x access to Malaysia Airlines Golden Lounge domestically, regionally and internationally.

Whether it is prior to departure or while transiting, you can take time to relax and unwind in comfort and privacy from the hustle bustle.

Priority Services

With CIMB Enrich World MasterCard, you will be in the front seat for CIMB upcoming promotions such as high fixed deposit rates or dining and hotel discounts. That's not all, your cross-border traveling will be more rewarding as you will get preferential treatments in many categories:

CategoryDescriptionService Provider
TravelExclusive deals and offers with Priority Booking 4 hours ahead of promotionsMalaysia Airlines
Travel8x complimentary access to MAS Golden Lounge worldwideMalaysia Airlines
TravelDedicated travel assistance and exclusive airlines deals CIMB Premier Travel Desk

These top-notch services don't end just there. CIMB Enrich World MasterCard extends the privileges to a slew of dining, shopping and travel benefits and offers, courtesy of CIMB Credit Card Privileges.

Plus, you can get VIP access to a "by invitation only" events such as Fashion Weeks, dining with Hollywood celebrities or participating in Super Car rally in Europe.

Travel Insurance Coverage

Receive an automatic travel insurance coverage up to RM1 million whenever you charge full airline tickets to your CIMB Enrich World MasterCard. The insurance coverage also includes travel inconveniences such as lost baggage or flight delay.

Line of Credits

CIMB Enrich World MasterCard does not only ensures you're living in an exclusive lifestyle, but can also serves as your credit lifeline in times of needs via 3 unique line of credits:

  • CIMB Balance Transfer Plan
  • CIMB 0% Easy Pay
  • CIMB CashLite

Annual Fee Waiver

All you need to have in order to own a CIMB Enrich World MasterCard credit card is a minimum annual income of RM100,000 and a passion for travel.

The annual fee for Principal cardholder is RM588, which can be waived when you spend a minimum of RM500,000 a year, whereas supplementary cardholder can enjoy free for life credit card usage.

Read More