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    CIMB Platinum Mastercard For Cashback

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    Welcome to a world of cashback. The CIMB Platinum Mastercard gives you a cashback of 10% on a variety of spend categories including travel, wellness, beauty, and health, and fuel. Whether you’re travelling around the world, heading to the spa, or buying petrol at a nearby fuel station, get rewarded for these purchases. The card also offers you a range of other benefits such as waiver of the 2% administrative fee on purchases you make in foreign currency, unlimited cashback of 0.2%, waiver of the membership fee for life, e-commerce purchase protection for your online purchases, and instalments payment plans. Read on to find out more about this card and how you can make the most of the features and benefits it offers.

    Key features

    Feature Description
    Cashback on travel (flights and hotels) spends 10%
    Cashback on health, wellness and beauty expenses 10%
    Cashback on fuel purchases & taxi rides 10%
    Cash rebate on all retail spends 0.2%

    Making Your Travel Cheaper With 10% Cashback

    If you’re someone who loves to travel, you’re most likely going to fall in love with this card simply because you get a cashback of 10% every time you book flights and hotel rooms using it. So the next time you’re planning a trip whether for business or pleasure, charging your travel expenses to this card can reward you.

    Health & Beauty Spends Get You a 10% Cashback

    You also get a 10% cashback when you pay for beauty, health, and wellness transactions. Ever seen a card that rewards you for trying to stay healthy? This one does! Go on, get your favourite beauty products, health services, or sign up for the wellness programme you’ve always wanted to, and get 10% of your money back.

    Driving and Transport in Singapore Become More Affordable With 10% Cashback

    If you drive your own car in Singapore, you can now save on your monthly fuel spends. Every time you buy petrol, simply charge the expenses to this credit card and get a cashback of 10%. The same applies to taxi rides as well. Charge your cab ride fares to the card and get 10% cashback.

    Unlimited Cashback on Retail Spends

    When you use this card to pay for any other retail transaction not already covered in the above categories, you get a 0.2% cashback. These are unlimited rewards with no cap on how much you can earn and no minimum spend requirement. You earn as you keep spending on the card.

    Other Interesting Benefits

    Another feature of the card is that it does not charge you the administrative fee of 2% that normally applies to overseas transactions. This makes foreign currency purchases both overseas and online that much cheaper. However, you do need to keep in mind that this waiver is available only till the end of 2018. Starting 1 January 2019, the 2% administrative fee will apply on every foreign currency transaction you make.

    Is something stopping you from buying what you need online? Are you worried about getting scammed? With the e-commerce purchase protection facility, you can shop with peace of mind, knowing that your purchases are fully protected and insured. If you find it difficult to pay for certain large expenses in one go, you should consider using the instalment payment option available on this card. The CIMB 0% i.Pay Plan is an instalment payment plan that allows you to convert your large purchases into smaller instalments that you can pay over periods of up to 20 months. Paying for expensive flight tickets or hotel bookings just became that much easier.

    Additional Benefits

    • CIMB Bank deals across borders: Enjoy a great range of deals when you travel to Malaysia or Indonesia. CIMB features an array of exclusive partners who provide several offers across categories such as retail, dining, and lifestyle at these locations.
    • Sharing of benefits: Share the benefits available on your card with your family through supplementary cards. You can apply for up to four supplementary cards. Get an annual fee waiver on the first two supplementary cards.

    How You Earn Cashback

    You earn cashback on this card in the following ways:

    • The base cashback rate is 0.2%. It is applicable on all retail spends and you get it in the same month in which you make the transactions.
    • The additional cashback rate is 9.8% and applies only to travel, fuel & transport, and health, beauty, and wellness spends. The additional amount will be credited to your account in the next month.

    To earn cashback at the enhanced rate, you need to spend at least S$600 every month on the card. However, there is no minimum spend criterion for each purchase nor is there a minimum number of transactions required per month. You can earn a maximum cashback of S$50 per category per month. However, the total cashback you can earn every month on a primary card is S$100.

    Calculate Cashback from CIMB Platinum Mastercard

    If you S$200 on hotel bookings for a particular month, you’ll earn a cash rebate of S$20 at a rate of 10%. Similarly, if your cumulative spend across all other categories stands at S$2000, you’ll earn a cash rebate of S$4 at a base rate of 0.2%.

    The following table illustrates the cash rebate you’ll earn across different categories in such a scenario:

    Spend categories for cash rebate Monthly spend Cashback rate Cashback amount
    Hotel bookings S$200 10% S$20*
    Flight bookings S$400 10% S$40*
    Health & beauty expenses S$100 10% S$10
    Wellness expenses S$50 10% S$5
    Fuel purchases S$200 10% S$20
    All other retail spends S$1,400 0.2% S$2.80
    Total S$2,350 Cashback earned is S$87.80*

    *In the above table, we see that the cashback accruing on your hotel and flight booking spends are S$20 and S$40 respectively. However, both these spends come under the “travel” category, making the total accrued cashback in this category S$60. But since you can earn only a maximum cashback of S$50 in each category, you will get only S$50 cashback for your travel spends instead of S$60. This brings your total cashback for the month to S$87.80 (S$50 + S$10 + S$5 + S$20 + S$2.80).

    Complimentary Insurance Coverage

    • Get an e-Commerce Purchase Protection with this card.
    • Get coverage against online transactions you make. This gives you peace of mind.
    • Get a coverage of up to US$200 per occurrence.
    • Get a coverage of up to US$200 per year with this policy.
    • Make sure that the value of the goods,, without delivery and transportation charges, is at least US$50 if you want to make claims under this policy.
    • Your claims will be reimbursed in the following instances:
      • Non-delivery or incomplete delivery of goods: If your purchased product hasn’t been delivered within 30 days of the scheduled date and if you haven’t been refunded within 60 days of non-delivery, a claim can be made.
      • Delivery of damaged or faulty goods: If a faulty product has been delivered to you and if the seller has failed to refund you within 60 days of the delivery date, a claim can be made.

    Who all will be covered by the insurance?

    All CIMB Platinum Mastercard holders will be covered under this insurance policy.

    CIMB Platinum Mastercard Interest Rates

    Type of Interest Charge
    Retail Purchases 25.5% p.a., subject to a minimum fee of S$2.50
    Cash Advance 28% p.a., subject to a minimum fee of S$2.50
    Instalment Payment Plan No interest is charged for the 0% i.Pay Plan

    CIMB Platinum Mastercard Fee and Charges

    Type of charge charge
    Annual Fee Annual fee waived permanently for this card
    Overseas Transaction Fee
    • 1% charged for all Mastercard transactions
    • Administrative fee of 2% waived for this card
    Late Payment Fee S$100
    Over limit Fee S$50 or 5% of the overdrawn amount, depending on whichever is greater
    Cash Advance Fee 6% of the sum withdrawn, subject to a minimum fee of S$15
    Supplementary Card Fee S$75 per year. (Annual fee waived for up to two supplementary cards)

    Activating the Card for Overseas Expenses

    • It is mandatory to activate the magnetic stripe on your CIMB Platinum MasterCard for non-EMV retail transactions abroad.
    • Call the bank’s hotline to activate the magnetic stripe of your card.

    Instalment Payment Plans Available

    • Convert your big-ticket purchases into small, manageable monthly transactions with CIMB 0% i.Pay Plan, an instalment payment plan.
    • Split your payment over 5-, 10-, or 20-month tenure for lower cost burden and easier repayment.

    Cash Withdrawal on the Credit Card

    • Withdraw cash with your card from an ATM depending, subject to availability of the credit limit on your card.
    • Alternatively, use the CIMB CashLite facility to obtain cash if you already have a CIMB credit card. You can withdraw up to 80% of the credit limit available under this facility.

    Eligibility Criteria

    To ensure you are eligible for this card, please check the relevant page listing the criteria for eligibility.

    Lost/Stolen Cards

    • Report it to the bank as soon as possible by:
      • Calling the bank’s hotline.
      • Writing a letter in the format prescribed.
      • File a report with the police and submit it to the bank, if asked for.
    • Your liability for unauthorised use of your card will be limited to S$100, provided:
      • You weren’t complicit in the crime.
      • You weren’t grossly negligent while handling your card.
      • You reported the incident to the bank within a reasonable period from the time of its occurrence.

    To find out more on cards, you can go through the bank’s webpage or visit Bankbazaar where all card details for a particular category will be available on a single page.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Fill and Submit Form to Bank

    To enable auto debit/standing instruction, fill and submit the ‘Auto Debit and Interbank GIRO Authorisation Form:

    • Submit via snail mail.
    • Visit any bank branch and submit in person.
    • Processing will take 4-6 weeks.
    • After processing, payments will be deducted 2 working days before your payment due date.
    • Standing instruction can be withdrawn at least one week prior to a scheduled auto debit.
    • Your standing instruction will continue to stay in effect unless you provide alternative instruction to the bank or the bank is intimated of your death, bankruptcy, liquidation, etc.

    How to Apply for the Card & Check the Application Status

    Apply Online and Follow Up With the Bank

    In order to apply for the card, do the following:

    • Fill in your personal details, accept the terms and conditions, and continue.
    • Review and submit the form online after completion.
    • Keep your supporting documents handy.

    Call the 24-hour customer care hotline to stay updated with the status of your card application.

    How to Check Balance

    By Downloading CIMB Clicks

    • Download the CIMB Clicks internet banking form, fill it, and send it to the bank to complete your application process.
    • Once you have set up the account, log in to check your current balance, past transactions, and your unbilled transactions.

    How Can the Bill Be Paid?

    Through CIMB Clicks/GIRO/Internet Banking/CIMB Branch/AXS/Cheque

    • CIMB Clicks internet banking account.
    • Internet banking service provided by another bank.
    • Interbank GIRO.
    • Payment at a CIMB branch.
    • AXS terminals.
    • Through a crossed cheque.

    How Much Is the Minimum Payment to Be Made on the Card?

    3% of the Outstanding Balance or Min S$50

    You’ll have to pay 3% of the outstanding balance subject to a minimum of S$50 and any overdue from the previous billing cycles.

    What Is the Grace Period?

    23 days

    The grace period or interest-free period is 23 days from the date of generation of the bill, provided no balance is carried forward from the previous billing cycles.

    Can It Be Used With EZ-Link?

    Yes

    You may use your CIMB card to top up your EZ-link travel card for convenient transportation.

    How to Block or Unblock the Card

    Call CIMB Hotline

    To block or unblock your card, get in touch with your bank immediately. If you suspect fraudulent use of your card, call the 24-hour hotline number, report the incident, and request blocking of your card account.

    How to Reset the PIN

    Through CIMB ATMs/Bank Branches/CIMB Clicks/Submit Form to Bank

    • Visit your nearest ATM.
    • Visit a branch.
    • Fill the Credit Card Account Maintenance Form and mail it to the bank.

    What Is the Billing Cycle and the Bill Due Date?

    1 Month (Can Start on Any Day)

    The billing cycle may vary from one customer to another. It may depend on the number of business days in a month and can be found on your monthly statement along with the bill due date and minimum payment due.

    How to Get a Replacement Card

    Download the credit card maintenance form, fill it, and send it to the bank to request a replacement card. The bank may also issue one if your card gets lost or is found to be damaged. Charges may apply on issuance of a new card and PIN.

    How to Temporarily Increase the Limit of the Card

    Download Form and Mail it to the Bank

    • Download the Temporary Credit Limit Increase Form from the bank’s website, fill it, and mail it to the bank using the attached business envelope.
    • The bank allows a temporary increase in cases of hospitalisation, wedding, funeral arrangements, medical reasons and travel.
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