CIMB e Credit Card
Up to 12x Bonus Points on eDay for online, e-wallet and contactless spend at partners.
Eligibility
Minimum Monthly Income
RM 2,000 (RM 24,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest 3 months salary slip or
- Latest 3 months bank statement
- Latest EPF statement (6 months)
- Latest B/BE Form/E-Filing with official tax receipt
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for first year and waived when you spend RM12,000 per year for subsequent years from both principal and supplemental cards
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
12X Bonus Points on Online, eWallet, Auto-Billing & Contactless spend (eDAY), 3X Bonus Points on Online, eWallet, Auto-Billing & Contactless spend and 1X Bonus Points on Other spend.
Travel insurance coverage of up to RM1 million applies when flight tickets are purchased with the card, including protection for travel inconveniences such as flight delays and baggage loss. Terms and conditions apply.
CIMB 0% Easy Pay converts purchases into interest-free monthly instalments of up to 36 months at over 1,000 participating CIMB merchant stores nationwide.
Outstanding balances from other credit cards can be consolidated through CIMB Balance Transfer for lower rates over a longer repayment period.
Bonus Points convert at a minimum of 500 Bonus Points to RM1 at Pay With Points (PWP) participating merchants nationwide, with cashback redemption also available. Terms and conditions apply.
Benefits
CIMB eDay Promo!
12x Bonus Points on every 28th of the month with eDay Deals and earn RM600 Cashback per year!
On online shopping, food delivery, e-wallet (Touch 'n Go, GrabPay, Boost, BigPay and Setel only), auto-billing (recurring payments i.e. telco, online streaming services, utility bills) and in-store contactless spend.
Terms and Conditions
Product review by CompareHero
Get the most out of your cashless payments with CIMB e Credit Card to gain rewards up to 12x Bonus Points on every 10th of the month (eDay). With no minimum spending requirement, you can earn these points through online shopping, e-wallet reload, auto-billing payment, and in-store purchases with CIMB featured partners such as Shopee, Lazada, Tabao and more.
Earn up to 12x Bonus Points on special eDay
eDay is a special day that takes place on the 10th of each month for every cardholder to enjoy 12x Bonus Points and exceptional deals on transactions made with strategic partners for online, e-wallet, auto-billing, and contactless payments. If you make cashless transactions with non-featured partners on eDay, you will be rewarded with 10x Bonus Points, except for in-store PIN payments where you’ll receive 1x Bonus Point.
eDay Bonus Point rewards:- 12x Bonus Points with featured partners on every online shopping, e-wallet reload, auto-billing payment, and in-store tap-to-pay transaction
- 10x Bonus Points with non-featured partners on every online shopping, e-wallet reload, auto-billing payment, and in-store tap-to-pay transaction
- 1x Bonus Point for in-store PIN payment
Daily Bonus Points Rewards
CIMB e Credit Card is the best credit card for everyday purchase as you get to receive Bonus Points with no minimum spending required on all categories. On normal days, every cardholder will receive 5x Bonus Points and 1x Bonus Points on online and offline transactions respectively.| Spend Category | |
| Online retail | Lazada, Shopee, Taobao, ZALORA, Poptron, MR D.I.Y., The Body Shop, food delivery services and more (featured partners may vary every month) |
| E-wallet | Touch ‘n Go eWallet, GrabPay, Boost, BigPay, and Setel only |
| Auto-billing | Recurring payments e.g, telco, online media, streaming services, utility bills, etc. |
| Contactless | In-store tap payment |
| Other retail | In-store PIN payment |
Best Bonus Points Conversion Rate
CIMB offers the best bonus points conversion rate set at 400 Bonus Points for RM1. You can use your Bonus Points to redeem gifts from CIMB Member Rewards Catalogue as well as using your Bonus Points to pay at over 9,000 participating merchants nationwide. It is worth noting that Bonus Point rewards are capped at 20,000 Bonus Points per cardholder per statement cycle.
Frequently Asked Questions (FAQ)
What is CIMB e Credit Card?
What are the requirements for CIMB e Credit Card application?
What are the best features of CIMB e Credit Card?
• Enjoy up to 12x Bonus Point rewards on eDay (every 10th of the month) with featured partners
• Earn 10x Bonus Point rewards on eDay with non-featured partners
• Daily 5x Bonus Points rewards online transactions and 1x Bonus Points for in-store card payments
• Best Bonus Points conversion value of 400 Bonus Points for RM1 cashback
• Pay With Points at more than 9,000 outlets across Malaysia
• Go-green with 100% e-statement for credit card