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CIMB Enrich World MasterCard

CIMB Enrich World MasterCard

 

  • 8x exclusive golden lounge vouchers for access to Malaysia Airlines Golden Lounge
  • Earn more Enrich miles
  • Priority booking for Malaysia Airlines promotion
  • Travel Cashback: 1 Bonus Mile for every RM1.50 spent overseas
Minimum Monthly Income
Minimum Monthly Income

RM 8

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

5.99% p.a for 6 months

Annual Fee
Annual Fee

RM 554.72

Credit Card's Promotion

CARD BENEFITS CASH BACK CREDIT CARD BENEFITS
Rewards
Earn Enrich Miles with Spent
1 Bonus Mile RM4 overseas spend
1 Bonus Mile RM4 locally spend

* 1,000 Bonus Mile = 1,000 Enrich Miles

Bonus Mile validity = 3 years

Balance Transfer

Plan A: 0.5% per month for 6 months (5.99% p.a)

Balance Transfer Amount (RM) Interest @ 18% p.a. BT Interest (RM) Savings (RM) Savings
3,000 246.99  80.28  166.71 Save 67%   
5,000 411.65  133.80  277.85
10,000 823.30  267.60  555.70

 

Plan B: 0.67% per month for 12 months (7.99% p.a)

Balance Transfer Amount (RM) Interest @ 18% p.a. BT Interest (RM) Savings (RM) Savings
3,000 445.51  189.74  255.77 Save 57%   
5,000 742.52  316.23  426.29
10,000 1485.04  632.45  852.59

 

* Calculation based on the assumption of total interest charged for 6 months or 12 months respectively at 18% p.a. with a monthly minimum payment of 5%

** Minimum amount for balance transfer is RM1,000

Travel

Malaysia Airlines Golden Lounge

  • Access up to 8 times a year to Malaysia Airlines Golden Lounge in and out from Malaysia

List of Malaysia Airlines Golden Lounges:

KLIA International, KLIA Regional, KLIA Domestic, London, Penang, Kota Kinabalu, Kuching

 

Priority booking for MAS promotions

 

Up to RM1 Million travel insurance coverage includes travel inconvenience such as lost baggage or flight delays.

Low Interest
Tiering Interest Rate (per month) Interest Rate (per annum) Duration
Tier 1

1.25%

15%

for prompt repayment of 12/12 months

Tier 2

1.42% 17% for prompt repayment of 10/12 months
Tier 3 1.50% 18% for prompt repayment less than 10/12 months
Premium

Enjoy golfing with green fees on us, 4 times per golf club per year, at some of the world’s renowned golf courses regionally. Valid until 31 December 2018.

FEES & CHARGES
Annual fee RM 554.72
Annual fee condition 100% waiver for annual spending of RM500,000 and above, 50% waiver for annual spending of RM250,000 - RM499,999
Annual fee for suplementary card RM 0.00
Annual fee condition for supplementary card Waived
Minimum monthly payment 5% of the outstanding balance or a minimum of RM50 whichever is higher
Late payment interest 1% of the total outstanding balance as at statement date or a minimum of RM10, whichever is higher, capped to a maximum of RM100 and will only be imposed if the minimum payment due is not paid by the due date
Finance charge interest rate per month 1.25%
Finance charge interest rate per year 15%
Cash withdrawal 5% of the amount advanced or a minimum of RM15.00, whichever is higher
Cash withdrawal interest rate 1.5% per month or 18% per annum calculated on daily rest basis from transaction date to the date it is settled in full
Balance transfer interest rate 5.99% p.a for 6 months
Balance transfer max valid duration Up to 12 months
Balance transfer lock in period Not applicable
Balance transfer early settlement penalty Not applicable

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