CIMB Islamic MasterCard Platinum credit card

CIMB Islamic MasterCard Platinum

A Shariah compliant CIMB credit card with NO annual fees. Earn bonus points and enjoy discounts at over 500 merchants and up to RM1,000,000 Travel Takaful coverage!

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 1x reward point 

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Because you should be rewarded for giving the bank your business

Enjoy great rewards whenever you spend with your CIMB Islamic Bank Platinum Credit Card. Best of all, combine your Principal and Supplementary credit cards Bonus Points to redeem attractive gifts and benefits for you and your loved ones.
CIMB Bonus Points
1 point on every RM1on all retail spends
Your CIMB Bonus Points earned expires in  3 years
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
Charge your full airline fare(s) to CIMB Islamic Bank Platinum Credit Card and get automatically covered with a Personal Accident and Travel Coverage Takaful for up to RM1 million, in addition to travel inconvenience benefits for RM1,000 per one occurrence.
Travel CoverageSum Insured
Personal AccidentUp to RM1000000
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM1000
Missed FlightUp to RM1000
Lost LuggageUp to RM1000
Delayed LuggageUp to RM1000
Privileges offered exclusively to CIMB Islamic Bank Platinum Credit Card members.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
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
Profit 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
Maximum age for primary card holder
65 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.

CIMB Islamic MasterCard Platinum review

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

Open to all Malaysians earning a minimum annual income of RM24,000, CIMB Islamic Bank Platinum Credit Card gives you plenty of perks from CIMB Bonus Points and exclusive cash rebate to credit facilities ( CIMB 0% Easy Pay, Balance Transfer and CashLite) to manage your finance efficiently.

Annual Fee Waiver

Owning a Platinum credit card usually requires a higher income level and comes with a steep annual fee, which can be offset with a few swipes per year.

But CIMB Islamic Bank Platinum Credit Card will do you better – the annual fee is waived for a lifetime. There is absolutely no condition requiring you to swipe the Islamic Platinum credit card in order to waive your annual credit card fee.

CIMB Bonus Points

CIMB Bonus Points is loyalty program that lets you collect reward points for every spend made with CIMB Islamic Bank Platinum Credit Card. These reward points can be converted into items of value such as products, services or vouchers by redeeming it from CIMB Members Rewards Catalogue.

Each swipe equivalent to RM1 with your CIMB Islamic Bank Platinum Credit Card, locally and overseas, will get you 1x Bonus Points. That's not all, you are also entitled to receive exclusive discounts at over 500 participating merchants by spending your Bonus Points!

CIMB 0% Easy Pay

You don't have enough Bonus Points to offset your big-ticket item purchase? Don't wrinkle your forehead just yet as CIMB Islamic has the rightest solution for this kind of worry.

You do know that you can convert your large payment into small monthly instalments via an easy payment plan? This is where CIMB 0% Easy Pay comes to the rescue. Applicable only to retail purchases, 0% Easy Pay is your next best route to save on credit card spending.

There are 3 instalment plans you can choose from, with interest rate starting from 0%. You can transfer any amount from a minimum of RM50 to a prescribed credit card limit.

Cash Rebate Offers

Although CIMB Islamic does not charge an annual fee for the usage of this credit card, it is subject to a Yearly Facility Charges of RM48,000, in return for the services made available to CIMB Islamic Bank Platinum Credit Card.

Based on the Ujrah concept, the Yearly Facility Charges will be billed into your monthly statement. But don't get alarmed as CIMB Islamic may, at its absolute discretion, grant you rebate or waive all or part of the charges.

Just watch out for its cash rebate offers from time to time to enjoy these exclusive rewards!

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