• CIMB Credit Cards

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    CIMB Credit Cards

    Best CIMB Credit Cards in Singapore

    Experience the convenience of cashless transactions and financial mobility like never before with the select range of CIMB Bank Credit Cards. Designed carefully keeping in mind the needs of the most discerning customer, each of the CIMB Credit Cards is well-appointed in terms of features and benefits. Enjoy exciting privileges like cash rebates, airport lounge access, complimentary membership and waiver of membership fee, discounts on shopping, dining and other leisure activities, not only within Singapore but also worldwide.

    Credit Cards Offered by CIMB

    CIMB Bank offers the following range of credit cards to cater to diverse lifestyle needs.

    CIMB Visa Infinite Card - This is a credit card from CIMB which is only available to the select few, who will enjoy a variety of benefits. With this card, you will get cash rebate of 1 percent for your domestic transactions and 2 percent for overseas and travel transactions by spending a minimum amount of S$2,000 in a month. If you are someone who likes to travel in style, you will like the fact that this card will offer you with access to more than 600 Airport Lounges in countries around the world. With the help of the i.Pay 0 percent plan offered with this card, you can avail flexible repayment options for your purchases.

    CIMB WORLD MasterCard - This credit card from CIMB will offer you with access to a world of privileges, deals and discounts. You will enjoy cash rebate of 1 percent for all your transactions completed with this card. This is a free credit card and you will never have to pay an annual fee to avail its features. If you are an individual who likes the finer things in life, you will certainly enjoy the golfing benefits offered with the CIMB WORLD MasterCard. You will not need to pay green fees when you travel to some prominent golf courses in Indonesia, Malaysia and Singapore.

    CIMB Visa Signature - If you would like to earn higher rebates and enjoy lucrative dining privileges, CIMB Visa Signature is the ideal credit card for you. You will not need to pay any annual fee for this card. Some of the benefits offered with this card include complimentary access to True Yoga centres, airport transfers for free, cash rebates of 3.8 percent at bistros, cafes and restaurants on all days of the week, additional cash rebates for foreign currency transactions etc. If you use this card for your travel bookings, you will enjoy free travel insurance coverage of up to 500,000 US Dollars.

    CIMB PLATINUM MasterCard - This is a credit card from CIMB that will provide you with access to tons of benefits even though you will have to pay any annual fee for the card. You will enjoy cash rebate of 0.5 percent for all your domestic expenses and a cash rebate of 1 percent for all your overseas expenses. When you use your card for health and wellness, home appliances, home furnishing and insurance, you will enjoy a high cash rebate of 3.8 percent. In fact, you can get up to S$600 a year as cash rebate. This credit card is available exclusively to Permanent Residents and Citizens of Singapore who are minimum 55 years old.

    CIMB CLASSIC MasterCard - CIMB CLASSIC MasterCard credit card will provide you with access to the Smart Rewards Program from CIMB and will let you earn reward points. In fact, you will not only earn reward points in SIngapore, but also in Indonesia and Malaysia. From the date of your statement, you will get an interest-free grace of 21 days to shop and so you can avoid paying interest for your purchases if you pay them in full by the due date. This card comes with a credit limit of S$500 and is ideal for those who require a credit card for day to day purchases.

    • The CIMB range of credit cards are accepted worldwide at over 200 million merchant establishments for dining, shopping and travel.
    • Experience freedom from annual fee, for life, only with the CIMB range of credit cards.
    • Pamper yourself with complimentary club access at the finest spas with your CIMB credit card.
    • Enjoy exclusive offers and discounts on a host of lifestyle and entertainment activities like dining, shopping, events, movies, travel and much more.
    • Interest Free Shopping
    • Unwind and relax in luxury at VIP airport lounges with your Priority Pass Membership.
    • You can reach the CIMB 24hr customer support service for any queries, anytime of the day.
    • Peace of mind is necessary at every step of life and travel is no exception. Which is why, CIMB provides you with complimentary travel insurance when you charge your full travel fares to your CIMB credit card.

    In order to apply for a CIMB Credit Card, prospective applicants must fulfill the eligibility criteria as laid out by the bank. Given below is the minimum annual income which an individual must have in order to apply for the different CIMB Credit Cards.

    • Only individuals who are a minimum of 21 years of age may apply for a CIMB Credit Card.
    • In order to obtain a supplementary CIMB Credit Card, an individual must be at least 18 years of age.
    • Individuals with an annual income below S$30,000 can apply for the CIMB Classic MasterCard Credit Card.
    • Individuals whose minimum annual income is S$30,000 and above, can apply for either the CIMB Platinum MasterCard or CIMB Visa Signature Credit Card.
    • Individuals with a minimum annual income of S$120,000 and above can apply for any of the following CIMB Credit Cards:
      • CIMB Visa Infinite Credit Card
      • CIMB World MasterCard Credit Card
      • CIMB Visa Signature Credit Card
      • CIMB Platinum MasterCard.

    Following is the list of documents required in order to apply for a CIMB Credit Card.

    • Photocopy of NRIC (both sides) for both Principal & Supplementary Card applicants; OR
    • Photocopy of valid passport for Supplementary Card applicants (Foreign individuals).

    Along with the aforementioned, different categories of applicants must furnish the following documents.

    For Salaried Employees

    • Latest Computerized Payslip OR
    • CPF Contribution History Statement (for past 12 months) OR
    • Latest Income Tax Notice of Assessment

    For Self-Employed

    • Last 2 years’ Income Tax Notice of Assessment AND
    • Bank Statement (for 3 months)

    For Commissioned or Variable Income Earner

    • Last 2 years’ Income Tax Notice of Assessment; OR
    • CPF Contribution History Statement (for past 12 months)
    • Be part of the elite community. Enjoy complimentary lifetime membership with your CIMB credit card.
    • Whether you are spending locally or internationally, you get to earn exciting rebates every time you charge any expense to your card.
    • Spend without worrying about crossing your credit limit as CIMB credit cards feature high credit limits.
    • Enjoy flexible repayments with the CIMB 0% i.Pay Plan which allows you space repayments for major expenses over period of up to 20 months
    • Share the benefits of your CIMB credit card with your loved ones by way of Supplementary Cards. You may avail up to 4 supplementary cards with a CIMB credit card.
    • Rewards comes easy with the CIMB credit card where all you have to do is tap and you can earn up to 3.8% cash back when you pay via Visa PayWave.
    • For greater convenience and flexibility, CIMB Bank offers its customers multiple bill payment options to choose from.

    You can withdraw cash with your CIMB credit card but you will not get any interest free grace periods for asdh advances. Interest at the rate of 2.333 per per month (E.I.R. 28 percent per annum) will be charged for cash advances, with a minimum interest charge of S$2.50.

    6 percent of the amount that is withdrawn.

    You can make payments for your CIMB credit cards by utilizing any of the following payment options:

    • Cheque Payment
    • Over the Counter Cash Payment
    • CIMB Clicks Internet Banking
    • Auto Debit - CIMB Current / Savings Account
    • Interbank GIRO
    • AXS Station
    • 24 X 7 Credit Cards Customer Service Hotline of CIMB

    If you do not pay off the balance in full (for balances equal less than or equal to S$50) or if you do not make the minimum payment by the payment due date (for balances above S$50), you will be charged a late payment fee of S$60.

    You will not have to pay any membership fee or annual fee for any of the credit cards offered by CIMB.

    There is a fee of 0.2 percent for foreign currency transactions with CIMB World/ Platinum/ Classic MasterCard. Also, an administrative fee of 1.4 percent that is levied by CIMB Bank Berhad for foreign currency transactions.

    With your CIMB credit cards, you can avail a personal installment loan and in the process you can enjoy the flexibility of paying for your purchases through monthly installments. You will be offered with an attractive interest rate as low as 5.31 percent per annum. The minimum amount offered as loan is S$1,000 and you can avail up to 90% of your credit limit as loan.

    Tenure Applicable Interest Rate (per annum) Effective Interest Rate (per annum)
    1 Year 6.01 percent 10.92 percent
    2 Years 5.38 percent 10.01 percent
    3 Years 5.31 percent 9.86 percent
    4 Years 5.38 percent 9.90 percent
    5 Years 5.51 percent 10.02 percent

    The table below compares the features and benefits of all the 5 credit cards offered by CIMB in Singapore.

    CIMB Visa Infinite Card CIMB WORLD MasterCard CIMB Visa Signature CIMB PLATINUM MasterCard CIMB CLASSIC MasterCard
    Key Features
    Annual Fee for Primary Card No Annual Fee For Life No Annual Fee For Life No Annual Fee For Life No Annual Fee For Life No Annual Fee For Life
    Supplementary Cards (add-on cards) You can avail up to 4 add-on cards You can avail up to 4 add-on cards You can avail up to 4 add-on cards You can avail up to 4 add-on cards You can avail up to 4 add-on cards
    Annual Fee for Supplementary Cards (add-on cards)

    The annual fee for the first year is waived for up to 2 add-on cards.

    After that, there is an annual fee of S$75 annual fee

    The annual fee for the first year is waived for up to 2 add-on cards.

    After that, there is an annual fee of S$75 annual fee

    The annual fee for the first year is waived for up to 2 add-on cards.

    After that, there is an annual fee of S$75 annual fee

    The annual fee for the first year is waived for up to 2 add-on cards.

    After that, there is an annual fee of S$75 annual fee

    The annual fee for the first year is waived for up to 2 add-on cards.<

    After that, there is an annual fee of S$75 annual fee

    Minimum Annual Income (SGD) 120,000 120,000 30,000 30,000 18,000 (nil for students)
    Interest Rate (for retail purchases) 24.9 percent 24.9 percent 24.9 percent 24.9 percent 27 percent
    Rewards and Benefits
    Cash Rebate for Overseas Transactions Up to 2 percent 1 percent 0.5 percent 1 percent Not Applicable
    Cash Rebate for Domestic Transactions 1 percent (2 percent for select transactions) 1 percent 0.5 percent (3.8 percent for select transactions) 0.5 percent (3.8 percent for select transactions) Not Applicable
    Monthly cap on cash rebate No cap No cap No cap No cap Not Applicable
    Smart Rewards Program Yes Yes Yes Yes Yes
    Personal Installment Loan (CashLite) Yes Yes Yes Yes Not Applicable
    CIMB 0% i.Pay Plan Yes Yes Yes Yes Not Applicable
    Services
    Customer Service 24 X 7 Helpline Yes Yes Yes Yes Yes
    Personal Concierge Service from CIMB Yes Not Applicable Not Applicable Not Applicable Not Applicable
    Interest Free Period of 23 Days Yes Yes Yes Yes Yes
    Worldwide Access Yes Yes Yes Yes Yes

    A credit card that gives not a little, but a lot extra. CIMB Bank presents to its customers a bouquet of promotional offers which extend across several lifestyle verticals like dining, entertainment, shopping, travel, hospitality and more. A world full of discounts, offers and privileges awaits you, with your very own CIMB credit card.

    Check For Latest CIMB Credit Cards Promotions

    CIMB Bank is the consumer and corporate banking subsidiary of the CIMB Group which currently deals in a diverse range of financial products and services like

    Loans (CIMB Personal Loans, CIMB Home Loan etc…)

    Accounts

    Debit Cards

    Investments

    Insurance

    Wealth management

    CIMB Fixed Deposits

    Credit facilities and more.

    1. Is there any annual fee which principal card members are required to pay?
    2. No, principal card members are not required to pay any annual fee for their CIMB credit card.

    3. What is the maximum number of supplementary cards which an individual may apply for, along with the CIMB Credit Card?
    4. You may apply for a maximum of 4 supplementary cards with each CIMB Credit Card. For the first 2 supplementary cards that you obtain, you shall enjoy an annual fee waiver for the 1st year.

    5. Is there an annual fee chargeable on Supplementary Cards?
    6. Yes, after the first year of usage, an annual fee of S$75 shall be levied on all supplementary cards.

    7. How long will it take for my CIMB Credit Card application to be processed?
    8. You will receive your CIMB credit card within 14 days after the bank has received your duly filled application form, along with the necessary documents,.

    9. How do CIMB credit card holders get rebates on their credit card usage?
    10. The card rebates which you earn with your credit card usage shall be calculated and reflected in your account before your statement date.

    11. Can I increase my credit card limit on a permanent basis?
    12. Yes, you may increase your credit limit by submitting a credit limit review form along with your most recent income documents. The form can be downloaded from the CIMB Bank website.

    13. Can the supplementary cards have a separate limit and billing?
    14. Yes, you may have a separate limit for your supplementary card by communicating the need for the same to the bank.

    15. Do I have options for making the payment of my CIMB credit card bill?
    16. Yes, CIMB Bank offers multiple options for payment of your credit card bill. Payment can be done through the following modes:

      1. Payment in Cash at any CIMB Bank branch
      2. CIMB Clicks Internet Banking
      3. Inter Bank GIRO via another bank’s Savings / Current Account
      4. AXS Stations
      5. Auto Debit via CIMB Saving / Current Account
      6. Payment via cheque, made payable to ’CIMB BANK – CREDIT CARD’
    17. How can I find out about which CIMB credit card I will be eligible to apply for?
      • If you have a annual income of less than S$30,000 you will be eligible to apply for the CIMB Classic MasterCard.
      • If you have a annual income of S$30,000 or more, you will be eligible to apply for the CIMB Visa Signature or CIMB Platinum MasterCard.
      • If you have a annual income of S$120,000 or more, you will be eligible to apply for any of these cards:
        • CIMB Visa Infinite Card
        • CIMB World MasterCard
        • CIMB Visa Signature Card or
        • CIMB Platinum MasterCard.

      Note: Only people aged 21 and above can apply for CIMB credit cards.

    18. I am a salaried individual, what documents will I need to submit while applying for a CIMB credit card?
    19. You will need to submit the following documents:

      • Income Tax Notice of Assessment for the last 2 years
      • Bank Statement for the last 3 months.

    News About CIMB Credit Cards Singapore

    • CIMB Credit Card Sign Up Promotion

      Runtime: Till 31 Aug, 2016

      Particulars: Sign up for a CIMB Platinum MasterCard and/or CIMB Visa Signature card till 31 August, 2016, spend minimum SGD 5,000 with card within 3 months of the card approval date or by 30 Nov, 2016 (whichever is earlier) and get a free return ticket to Gold Coast worth SGD 547 via Scoot and get 5 additional companion tickets with free 20 inch luggage for SGD 395 per ticket.

      Terms and Conditions

      This promotion is not available to customers who hold any of the principal CIMB credit cards. Even customers who have cancelled their CIMB credit cards in the last 1 year are not eligible for this promotion. Please contact CIMB to know about other applicable terms and conditions for this promotion.

    • CIMB Credit Card Epicure's Dining In the City Promotion

      Runtime: Ongoing Promotion

      Explore the best of eateries in Singapore that are a culinary delight with the help of epicure’s Dining in the City 2016 Guide and enjoy exclusive deals and promotions at these eateries with your CIMB Credit Cards. Some of these eateries are listed below.

        • ESQUINA – Glass of wine (complimentary) per person

        • Hai Tien Lo – Discount of 10 percent on total bill

        • La Nonna - Discount of 10 percent on total bill

        • POLLEN - Glass of wine (complimentary) per person

        • Senso Ristorante & Bar - Discount of 10 percent on total bill

        • Samy's Curry - Discount of 10 percent on total bill

        • Summer Palace (Regent Singapore) – Discount of 15 percent on a la carte items of lunch and dinner menus

      Terms and conditions laid down by the bank might be applicable.

    • CIMB Credit Card Sign Up Promotion 2016

      Runtime: Till 31 Mar, 2016

      Particulars: Sign up for a new CIMB Credit Card till 31 Mar, 2016 and get access to limited edition EZ Link Cards as a sign up bonus.

      Terms and Conditions

      You can avail this bonus if you apply for 2 new primary CIMB Credit Cards and make minimum 3 transactions with the approved cards and you will get a limited edition EZ Link card worth SGD 40.

      You can also avail this bonus if you apply for 2 new primary CIMB Credit Cards and get a CIMB CashLite Personal Instalment Loan with a minimum loan amount of SGD 1,000, and you will get limited edition EZ Link cards worth SGD 40 and SGD 60.

      Please contact CIMB Bank in Singapore for all applicable terms and conditions.

    • CIMB Bank Singapore Targets SGD 1 Billion of Annual Card Billings

      The Singapore wing of the Malaysia based CIMB Bank is targeting annual card billings of SGD 1 billion and also increase its customer base in Singapore by another 270,000 in the coming 3 years. In order to achieve this target, the bank has implemented a new strategy of offering cash rebates of 10 percent for spends related to certain categories and 0 administrative fees for transactions completed overseas or online with its Platinum MasterCard or Visa Signature cards.

      Through this cash rebate program CIMB Visa Signature credit card holders and CIMB Platinum MasterCard credit card holders can save up to SGD 60 per month by spending a minimum amount of SGD 500 with minimum 8 transactions valued SGD 30 or above in each statement month.

      18 January 2016

    • CIMB Christmas Dining Deals Promotion

      Runtime – Till 30 Dec, 2015 for deals at the Courtyard, Jade, Post Bar and Town and till 25 Dec, 2015 for deals at The Fullerton Cake Boutique. The runtime is also different for certain other restaurants.

        Particulars – Enjoy a discount of 15 percent on festive goodies and log cakes at The Fullerton Cake Boutique.

        • During afternoon tea (daily), get 1 dine free for 3 paying adults at the Courtyard.

        • During dinner, enjoy 1 dine free for 3 paying adults on the a la carte menu at Jade.

        • During lunch on weekdays, enjoy 1 dine free for 3 paying adults for ‘Create Your Own Pasta’ at Post Bar.

        • Enjoy a discount of 20 percent on the a la carte menu at the Town during lunch and/or dinner on Saturdays for the High Tea Buffet

        • Enjoy a variety of deals and discounts at the different restaurants of The Fullerton Bay Hotel Singapore, Four Seasons Hotel Singapore, Amara Sanctuary, Mandarin Orchard Singapore, Marina Mandarin Singapore and Amara Singapore.

      Terms & Conditions

      Please check the promotion page of the CIMB Bank Singapore to know about the applicable terms and conditions and the runtimes for different deals.

    • CIMB New Zealand Escapade Promotion

      Runtime - The qualifying period is from 1 Sep, 2015 to 31 Dec, 2015.

      Particulars – Get a chance to win a trip to New Zealand for 2 worth more than S$30,000 by spending an amount of minimum S$20 with your CIMB credit card. Your chances of winning increases every time you spend S$20 or more with your credit card.

      Terms & Conditions

      Only 1 lucky winner will be provided with the opportunity to go on an escapade to New Zealand (for 2). You can spend minimum S$20 either on domestic or overseas transactions. In order to qualify for this promotion, you will need to one of the first 2000 cardholders to send an SMS to the bank and register for the promotion. Get in touch with CIMB Bank Singapore to know about all applicable terms and conditions.

    • CIMB Travel Guard Promotion

      Runtime - 23 Nov, 2015 to 31 Dec, 2015

      Particulars – Enjoy a discount of 50 percent on the premium payment for your CIMB Travel Guard insurance plan when you apply before the end of the year. You will need to opt for the per trip plan to avail the discount.

      Terms & Conditions

      The discount will be offered in the form of a cash rebate and will be capped at 50 percent of the value of the premium or S$50, whichever is lower. You will need to purchase the plan with your CIMB credit card and the rebate amount will be credited to your credit card account.

    • CIMB Credit Card Travel Promotion

      Runtime – 1 Sep, 2015 to 31 Dec, 2015

      Particulars – Get a chance to win a 7 Day and 6 Nights (all expenses paid) trip to New Zealand for 2 worth S$30,000, when you charge S$20 or more with your CIMB credit card, for a single transaction. Your chances of winning the prize increases with every transaction that you make with your card.

      If you do not have a CIMB credit card, you can apply for a new one and if your application gets approved, you will be eligible for this promotion for transactions made with the card within the promotion period.

      Terms & Conditions

      Apart from the grand prize i.e. the trip to New Zealand, you will also be eligible to win a range of other gifts for transactions valued S$20 or more completed with your CIMB credit card. You will need to register your card for the promotion and also make minimum 8 transactions of value S$20 or more during the promo period. Apart from the grand prize, you can also get the chance to win around 8000 gifts.

      Promo Period – Valid till the end of the year

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