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CIMB Islamic Bank Platinum MasterCard

CIMB Islamic Bank Platinum MasterCard

 

  • Annual Fee: Waived for life
  • Earn bonus points and discounts at over 500 merchants
  • Up to RM1 million travel inconvenience coverage
  • 1 Bonus Point for every RM1 spend
Minimum Monthly Income
Minimum Monthly Income

RM 2

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

5.99% p.a for 6 months

Annual Fee
Annual Fee

RM 0.00

Credit Card's Promotion

CARD BENEFITS CASH BACK CREDIT CARD BENEFITS
Rewards

Earn bonus points and enjoy discounts at over 500 merchants.

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

Up to RM1 million travel takaful coverage includes travel inconveniences such as lost baggage or flight delays when you charge the full fare of your airline tickets to your CIMB Islamic Bank Platinum Credit Card.

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

 

FEES & CHARGES
Annual fee RM 0.00
Annual fee condition Waived for life
Annual fee for suplementary card RM 0.00
Annual fee condition for supplementary card Waived for life
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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