CIMB Enrich World Mastercard®

CIMB Enrich World Mastercard®

RM 8,333

Minimum monthly income

RM 555

Annual fee


Interest rate p.a


Balance transfer rate (fixed)

Product details

Good for Travel
1 Bonus Mile for every RM1.50 spent overseas & 1 Bonus Mile for every RM3 spent locally
1 Bonus Mile = 1 Enrich Mile
8X access to Malaysia Airlines Golden Lounges
Up to RM1,000,000 travel insurance
Exclusive regional golf privileges at prestigious clubs in Malaysia, Indonesia, Singapore, Thailand, Cambodia, Vietnam and Philippines
Minimum monthly incomeRM 8,333
Minimum age:
Supplementary Cardholder18
Fees & Charges
Annual fee RM 555
Annual fee waiver Yes
Late payment fee RM 10/1%
1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100)
Interest rate 15%
Settling minimum payment due for 12 consecutive month
Balance transfer rate (fixed) 7.99%
12 months Balance Transfer period
Document required to apply

You will need to provide several documents such as (varies between different banks):

Salaried Employees (Malaysian):

Multinational / Public listed Companies/Government/Semi Government office

  • Photocopy of MyKad (both sides)
  • Latest month salary slip for fixed Income earner or latest 3 month salary slip for Variable Income Earner OR
  • Latest EPF statement with minimum 6 months contribution.

Other Companies

  • Photocopy of MyKad (both sides)
  • Latest 3 month salary slip
  • Latest EPF statement with minimum 6 months contribution.

Self Employed (Malaysian):

  • Photocopy of MyKad (both sides)
  • Minimum latest 6 months company bank statement OR
  • Photocopy of Business Registration Form
  • Latest income tax return Form B AND LHDN payment receipt OR
  • Latest income tax return Form B AND e-filing acknowledgement receipt

Product review by

Looking for the ultimate travel credit card? Look no further! The CIMB Enrich World Mastercard offers you the benefits of travelling one could not resist, partnering with none other than Malaysia Airlines to bring you the best travel experience. Not just travel, but lifestyle privileges as well.

Earn Bonus Points and convert them to Enrich Miles with ease

When you spend and swipe your CIMB Enrich World Mastercard for any transactions, you’ll receive 1x Bonus Miles based on every RM1.50 spent internationally and RM3 locally. For every 1000 Bonus Miles collected, you can convert up to 1000 Enrich Miles. With the accumulated Enrich Miles, you can redeem complimentary flight tickets alongside various other privileges.

Note: Bonus Points accumulated has an expiry of up to 3 years only.

CIMB Enrich World Mastercard travel privileges

So, what kind of travel privileges CIMB Enrich World Mastercard offers? Aside from the complimentary flight tickets, here are the other benefits you get to enjoy:

  • Receive as high as 11x access to Malaysia Airlines Golden Lounge to get yourself pampered at all KLIA Domestic, Regional or International lounges, as well as in Kuching, London and Kota Kinabalu.
  • Be the first to book your flights and travel packages a day before the public has access to it.
  • Receive 15% OFF for all your purchases made at any The ZON Duty Free outlets.
  • Receive a special price for a premium ride to and fro or one way between the airport and anywhere in Klang Valley. 10% OFF will automatically be applied for a two way ride.
  • Travel Insurance worth 1 Million will be offered automatically if you pay your flight tickets in full with your CIMB Enrich World Mastercard, inclusive of flight delays and lost baggage as well as personal accidents.

Lifestyle benefits awaits with the CIMB Enrich World Mastercard

If travel benefits aren’t enough, take a look at what lifestyle privileges the CIMB Enrich World Mastercard has in store for you!

  • Receive as high as 40% OFF from your total bill when you dine at selected Marriott Bonvoy hotels and resorts.
  • For all golf clubs in participating Southeast Asia countries, receive 50% OFF on your green fees when you walk in.
  • If you need any assistance, there is a 24/7 personal concierge service that caters to your needs, internationally and locally.
  • You will also be entitled to the 24/7 Mastercard Global Service where you can contact them if anything were to happen to your credit card.


Enjoy a hassle-free process with our online application. In just two steps, simply fill in your details and we will help to process your application from there. When you encounter any problems or if you have any questions regarding the credit card itself or the online application form, feel free to reach out to us at +6012-385 0211.

Applicants have to be earning a minimum monthly income of RM8,333 or RM100,000 annually. Principal cardholders have to be at least 21 years old and above whereas supplementary cardholders have to be 18 years old and above. Only Malaysians are allowed to apply for this credit card. 

The annual fee for CIMB Enrich World Mastercard principal cardholders is RM554.72. You are eligible to be exempted from the annual fee charges if you spend at least RM500,000 and above within 12 months. However, if you didn’t manage to reach that amount, you will get a 50% waiver for a spending amount of over RM250,000 up to RM499,999. 

Supplementary cardholders will not have any annual fee charges. 

If you manage to make your payments on time, you will be exempted from the late payment charge of 1% or RM10. Otherwise, you will automatically be charged. The cash advances charges are 5% or RM15 from the overall cash advance amount.

  • Receive 1x Bonus Miles for transactions made internationally and locally
  • Redeem 1,000 Enrich Miles for every 1000 Bonus Miles collected to redeem complimentary flight tickets 
  • Travel privileges including access to Malaysia Airlines Golden Lounges
  • Shop at The ZON Duty Free outlets in Malaysia to receive 15% OFF
  • Lifestyle privileges including discounted green fees at golf clubs in 9 countries

Travel lovers would hugely benefit from the CIMB Enrich World Mastercard as it comes with amazing travel perks. Due to the minimum monthly income requirement, it is better suited for individuals that are earning a stable, average income as well. 

CIMB Enrich World Mastercard®
CIMB Enrich World Mastercard®
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