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    CIMB AWSM Card For Students

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    It’s new, it’s for the young, it’s “awsm”, and it’s for the awesome. Say hello to a card that is as young, energetic, and vibrant as you are. Designed primarily for young adults below the age of 30 not earning any annual income, this card gives you the best rewards you can expect without having to earn an income. It gives you a cashback of 1% on spends across a number of categories such as online shopping, dining, entertainment, and Telco bills. The card also features many deals and offers when you spend in neighbouring countries such as Malaysia or Indonesia. To top it all, the card is free for life. What more could a young adult like you ask for? Spend, earn rewards, and enjoy life. Make it large, make it awesome.

    Key Features

    Feature Description
    Cashback on online shopping, entertainment, and dining 1%
    Cashback on all telco-related spends 1%

    1% Cash Rebates on Your Most Common Spends

    If you’re like us, you probably love shopping online. No doubt, you spend quite a few hundred dollars every now and then. What if we told you that you can get rewarded for spending on online retail shopping? Yeah, that’s right, using this card on your next retail purchase on the internet can get you a cashback of 1%. If you hang out with your friends at restaurants and cafes in Singapore, use this card to pay for your next food bill and get a 1% cashback. Whether you’re checking out a new restaurant, visiting one of your favourite food joints, or exploring the hottest clubs in the country, you get rewarded for doing so. Eat, party, earn rewards, repeat. Sounds too good to be true, but it is.

    Your mobile phone is most likely a big part of your life. You probably use it to make plans with your friends and peers, whether it is about going out, planning a holiday, or even planning a study session. Or maybe you’re thinking of buying a new phone from a major telecommunication company. Using the CIMB AWSM Card for such spends will get you a 1% cashback.

    Enjoy Regional Deals and Offers

    If you’re going on a holiday with your family to either Malaysia or Indonesia, take this card along with you. It offers you various discounts and deals with more than 1,000 participating merchants in these countries, on categories such as retail, dining, and lifestyle spends. You also get access to a host of exclusive privileges courtesy of Mastercard.

    Any Other Privileges?

    • Regional discounts and deals: Enjoy exclusive offers at more than 1,000 qualifying partners in Indonesia or Malaysia. You’ll get regional offers at participating dining, retail and lifestyle outlets.
    • Promotional offers: You’ll also qualify for various kinds of promotions with your CIMB AWSM Card. To know more, click here.
    • Same day approval: You’ll receive card approval on the same day on which you applied, provided you submit your application form plus all the mandatory documents to CIMB Bank before 12:00 p.m. between Monday and Friday (excluding public holidays). You need to be 21 years and above to qualify for same day approval and this is applicable only for online submission.
    • Exclusive Mastercard benefits: You will receive a wide range of privileges and offers from Mastercard across categories such as entertainment, shopping, and travel.
    • PIN (Personal Identification Number): You can request for a PIN from the CIMB Bank and conveniently withdraw cash at any of the ATMs at any CIMB Bank branches in Singapore. You can also withdraw cash at any of the Cirrus/Mastercard or Plus/Visa ATMs overseas.

    How Do You Earn Cashback With This Card?

    You will earn cashback on the following spends:

    • 1% cashback on dining and entertainment (local + overseas transactions).
    • 1% cashback on online shopping (local + overseas retail transactions).
    • 1% cashback on telecommunications/telco-specific spends (Singtel, M1, Starhub, Circles.Life, and, MyRepublic)

    There is no cap applicable on the cashback amount you can earn. The cashback amount you’ve earned will be credited to your account in the succeeding statement month. The amount of cashback will be computed based on two decimal places for a single transaction. There will be no rounding up of the cashback amount you’ve earned.

    Calculate Cash Rebate from CIMB AWSM Card

    Let us assume you spent S$100 in a month across categories like– dining, online shopping, entertainment, and telecommunications. Take a look at how much cashback you’ll earn in the following statement month.

    Spend category Monthly spend Cashback you qualify for Cashback you earn
    Dining S$100 1% S$1
    Entertainment S$100 1% S$1
    Online shopping S$100 1% S$1
    Telco S$100 1% S$1
    Total S$400   S$4

    CIMB AWSM Card Interest Rate

    Type of Interest Charge
    Retail Purchases 27% p.a. (2.25% per month)
    Cash Advance 28% p.a. (2.333% per month)
    Instalment Payment Plan 0% (a one-time processing fee will be applicable)

    CIMB AWSM Card Fees and Charges

    Type of charge Charge
    Annual fee Free for life
    Overseas Transaction Fee
    • 1% fee is charged by Mastercard for all transactions
    • 2% administrative fee will be charged by CIMB Bank Berhad for all foreign currency transactions
    • 1% dynamic currency conversion fee
    Late Payment Fee S$80
    Over-limit Fee S5% of the excess withdrawn amount or S$50 (whichever is higher will be considered
    Cash Advance Fee 6% of the withdrawn amount (a minimum charge of S$15 will be applicable)
    Minimum monthly payment S$15 or 3% of the pending balance, whichever amount is higher will be considered, plus any pending overdue amount from the past billing cycles
    Replacement card S$20 for each card

    Is Activation of the Card Required for Overseas Use?

    Yes, for security purposes you’ll need to activate your card for overseas usage. This can be done via activating the magnetic stripe on the back side of your credit card. Activation can be done in 2 ways:

    • By sending an SMS to the CIMB Bank.
    • By calling the bank’s 24/7 hotline.

    Also, you need to ensure that the magnetic stripe is deactivated no sooner you come to back to Singapore.

    How Much Cash can I Withdraw?

    Your cash withdrawal limit will depend on how much credit limit you have on your credit card.

    How do I Know if I am Eligible?

    You can find out if you qualify to apply for a CIMB AWSM Card by clicking here.

    What Should I do When My Credit Card Is Lost/Stolen?

    • Inform the bank authorities immediately about the incident by calling on their hotline.
    • In case your credit card was stolen, you’ll need to file a police report and submit a copy of it to the bank authorities.
    • Your liability for unapproved use of your credit card will be restricted to S$100 if you comply with the below conditions:
      • You were successful in informing the CIMB bank about the incident immediately.
      • You weren’t involved in any activity of fraudulent nature.
      • You were not negligent while handling your credit card.
      • You helped CIMB bank throughout the investigation.

    There are many in Singapore who are still not aware of the pros and cons of credit cards and how they can be used to build a credit score. Look through our website to find the benefits of all credit cards explained thoroughly.

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