CIMB Platinum Visa credit card

Also available as MasterCard

CIMB Platinum Visa

Pay for your purchases with Bonus Points, or with interest free instalment plan for 36 months. Discover amazing privileges when you shop and dine with a CIMB Platinum Credit Card.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 5.99% p.a. balance transfer over 6 months
  • 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 Platinum Credit Card. Get 1x Bonus Point for every Ringgit you swipe and redeem gifts from rewards catalogue.
CIMB Bonus Points
1 point on every RM1on all retail spends
Your CIMB Bonus Points earned expires in  3 years
Balance Transfer
Consolidate your credit card outstanding balance and transfer to CIMB Balance Transfer to enjoy the interest rate from as low as 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
Charge your full airline fare(s) to CIMB Platinum Visa and get automatically covered with a Personal Accident and Travel Insurance 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
Discover CIMB shopping and dining privileges, promotions and discounts all year round!

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
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
40% of total amount


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 Platinum Visa review

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

From golfing to traveling, dining and shopping, CIMB is giving you all access to a host of amazing lifestyle benefits and experiences with just a single swipe - enjoy personalised concierge services, generous credit limit and reward points on all your spending!

No Annual Fee

To enjoy an unparalleled shopping and dining experiences with a Platinum Visa credit card, one usually has to pay a hefty price, chargeable annually. But with CIMB Platinum Visa, it is free for life, with no terms and conditions! 

Interestingly, everyone with a minimum monthly income of RM2,000 can afford to own a CIMB Platinum Visa credit card, which would otherwise be marketed to mass affluent customers.

Pay with Bonus Points

CIMB Platinum Visa is a reward-based credit card that gives you Bonus Points for every spend made on all retail purchases. In fact, it has a fair conversion rate of 1x Bonus Point for every RM1 spent, whether in Malaysia or overseas.

To quickly collect Bonus Points and exchange them with items of value from CIMB Members Rewards Catalogue, you can combine purchases from Principal and Supplementary cards. 

But the best part with CIMB Bonus Points is, as rewarding as it sounds, that you can use your accumulated Bonus Points to pay for your next purchases at CIMB's participating merchants. That way, you can save on credit card bill payment.

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 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.

CIMB Retail & Dining Privileges

Waiting for a year-end sale can take your youth away. Sign up for a Platinum credit card to enjoy all year round promotions, offers, deals, discounts and gifts at selected CIMB retail and dining establishments. 

There are a host of partners providing a myriad of products and services ranging from health & beauty, auto parts & services, department stores, golf club, travel and education under Retail Privileges.

For Dining Privileges, you can explore epicurean cuisine, wine, desserts and fine dining experience at selected renowned hotels regionally such as Hard Rock Hotels, Hilton Hotels and Eastin Hotels, among others. 

Complimentary Insurance Coverage

It is common for a travel credit card to be equipped with a comprehensive insurance plan, covering Personal Accident / Travel Insurance and Travel Inconveniences such as lost or delayed luggage and missed or delayed flights. 

To be be automatically covered with up to RM1 million insurance coverage, pay for your flight tickets with CIMB Platinum Visa credit card. The insurance can be extended to cover your family as well.

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