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    CIMB Visa Signature Card for Dining

    Credit Card Application

    This card gives you a 10% cashback when you use it to pay for your dining bills, online purchases (both local and foreign currency), and groceries spends. In addition to this, the 2% administrative fee that usually applies on foreign currency purchases is waived off, making such transactions that much cheaper. The card also features other useful benefits such as complimentary insurance when you travel, a concierge to help you plan your travel and for other assistance, and a 0% instalment payment plan to help you pay large purchases conveniently. Read on, to find out more about these benefits and how you can make use of them.

    Key Features

    Feature Description
    Annual fee Free for life
    Cashback on dining 10%
    Cashback on online shopping (local and foreign) 10%
    Cashback on groceries purchases 10%
    Cashback (unlimited) on all other retail spends 0.2%
    Complimentary travel insurance Up to S$500,000

    Dining Experiences are More Enjoyable With 10% Cashback

    If you’re someone who loves to dine out often, this card is a great option to use for paying your dining bills. You get a cashback of 10% on every dining transaction, making your culinary escapades that much cheaper. This also applies on nightlife spends in the country. The next time you want to spend some quality time with your family at a nearby restaurant or want to hang out with your friends, you can save money while having fun at the same time.

    Online Purchases Made Cheaper With 10% Cashback

    Buying goods and services online especially from other countries can be very expensive due to the exchange fees and administrative fees that normally apply on such transactions. With the CIMB Visa Signature Card, you not only get 10% cashback on every eligible online purchase, you also get to save money on transactions made in foreign currency. The administrative fee of 2% that usually applies to foreign currency transactions is waived off. This makes online shopping on foreign websites all the more affordable. The same applies on the transactions you make while you’re travelling overseas as well. However, this is applicable only till the end of 2018. From 1 January 2019, all foreign currency transactions will be subjected to the 2% administrative fee.

    Buy Groceries and Get Rewarded With 10% Cashback

    Buying groceries can seem like a mundane, repetitive task. But this credit card makes it a little more interesting and rewarding by offering you cashback of 10% every time you use it to pay for your family’s groceries needs. Whether you’re shopping for your weekly or monthly needs at a major supermarket or at a gourmet grocer, you get rewarded for each spend.

    Unlimited Cashback On All Other Spends

    The rewards don’t stop at just dining, online, and groceries spends. In addition to these rewards, the card also gives you a cashback of 0.2% on all spends that are not already covered under these three categories. What’s more, there is no minimum spend criterion for this and no cap on how much you can earn in cashback every month. Super cool, no?

    Peace of Mind With Free Travel Insurance

    Travelling on a flight can cause a bit of concern for some people, mostly because it may be overwhelming to them. The complimentary travel insurance that comes with this card can help you get the peace of mind you need when you’re travelling, especially when flying overseas. This facility offers a coverage of up to S$500,000 for not just you, but also for your family. It also covers the smaller aspects of travel such as missed flights, baggage loss or delays, and more, taking care of your entire journey.

    Need Help? Call Your Personalised Concierge

    We admit that travelling often can sometimes get annoying when it comes to making the various arrangements required for it. It is also quite possible that you be stumped at which offer or flight deal to choose. When in doubt, call the Visa Signature Concierge that’s available on this card. From booking tickets to making hotel reservations, lunch arrangements, getting gifts for loved ones, and a whole lot more, this service is invaluable when you need help the most. This world-class is available all 24 hours of the day, all year round. You can access it by calling the dedicated number or by downloading the app and registering on it.

    An Easier Way to Pay for Your Purchases

    If you’re finding it hard to pay for certain expenses, don’t scramble your brain by thinking of a hundred different ways of how you’re going to afford them. Simple use the instalment payment plan available to convert large purchases into smaller ones that you can pay over periods of up to 20 months.  Called the CIMB 0% i.Pay Plan, it charges you no interest when you choose to pay using this facility. Spend as you want and use this feature to get the financial flexibility you need to pay in smaller amounts.

    Additional Benefits

    • There is no administrative fee on foreign currency transactions made with this card. (Valid till 31 December 2018, after which a 2% fee will apply).
    • Enjoy special deals on dining, shopping, and lifestyle at certain partner merchants in Indonesia and Malaysia.
    • Get access to 24/7 Visa Signature Concierge service that assists you with your day-to-day requirements like travel planning or buying a gift for someone.

    How You Earn Cashback

    • Get a 10% cashback on dining, online transactions, and groceries purchases.
    • The 10% cashback includes:
      • A base rate of 0.2%, which is credited to your account in the same month.
      • An additional cashback rate of 9.8%, which is credited to your account in the following month.
    • You can earn a 10% cashback of up to S$50 in each category every month. However, the total amount is capped at S$100 per month per card account. Once you reach this limit, you get cashback at 0.2% on every eligible spend.
    • Get the 10% cashback by spending a minimum of S$600 in a month on the card.
    • Get a 0.2% cashback on all other retail spends. There is no cap on this cashback rate.

    Calculate Cashback from CIMB Visa Signature Card

    Take a look at the table below to understand how you can earn cash rebate with this card for different categories:

    Spend category Monthly spend Cashback rate Cashback amount
    Dining S$300 10% S$30
    Online shopping S$500 10% S$50
    Groceries S$300 10% S$30
    Other retail spends S$400 0.2% S$0.80
    Total S$1,500 Cashback earned: S$100.82*

    *In the above illustration, the total cashback that accrues based on the normal cashback rates is S$110.80. However, since you can accumulate only a maximum cashback of S$100 every month at the 10% rate, you will earn cashback of only S$30 on dining, S$50 on online purchases, and S$20 on groceries. The remaining S$10 spent on groceries will earn you cashback at the rate of 0.2%, which works out to S$0.02 (S$10 x 0.2%). Therefore, the total cashback you earn for the month will be S$100.82 (S$100 + S$0.02 + S$0.80).

    Redeeming Earned Cashback?

    The Cashback you earn with this card is directly credited to your account to offset your total spend for that month.

    Complimentary Insurance Coverage

    Coverage type Coverage amount
    Accidental death S$500,000 each for you and your spouse and S$25,000 for your dependent child
    Permanent disablement Up to S$500,000 each for you and your spouse and up to S$25,000 for your dependent child
    Trip cancellation Up to S$300
    Flight delay S$300
    Delayed baggage S$300
    Loss of baggage Up to S$500

    Who All Will Be Covered by the Insurance?

    • The insurance covers:
      • You, the cardholder.
      • Your spouse.
      • Your dependent child.
    • Your dependent child should be aged less than 25 if he/she is studying at a recognised tertiary education institution. For all other cases, the age limit stands at 21.

    CIMB Visa Signature Card Interest Rates

    Type of interest Charge
    Retail purchases 25.5% p.a.
    Cash advance 28% p.a.
    Instalment payment plan 0% (one-time processing fee will be charged)

    CIMB Visa Signature Card Fee and Charges

    Type of charge Charge
    Overseas transaction fee
    • Bank’s administrative fee: Waived
    • Fee charged by Visa: 1%
    Late payment fee S$100
    Over-limit fee 5% of the exceeded limit or S$50, whichever amount is higher
    Cash advance fee 6% of the advance amount or S$15, whichever amount is higher
    Supplementary card fee S$75 (first-year fee for the first two supplementary cards waived)

    Activating the Card for Overseas Expenses

    • Yes, the magnetic stripe on the back of your card has to be activated for retail transactions abroad.
    • Call the bank’s hotline to activate the magnetic stripe on the back of the card.

    Instalment Payment Plans Available

    CIMB 0% i.Pay Plan

    • Convert your large credit card purchases into small monthly instalments with this plan.
    • Spread the payment over 5, 10, or 20 months.
    • No interest will be charged only if the instalment payments are made in full every month.
    • A one-time processing fee will be charged. The bank charges:
      • 3% of the transaction amount as processing fee for 5- and 10-month tenures.
      • 5% of the transaction amount for a 20-month tenure.
    • The transaction size must be:
      • At least S$500 for 5- and 10-month tenures.
      • At least S$1,000 for a 20-month tenure.
    • No transaction should be more than S$30,000.

    Cash Withdrawal on the Credit Card

    • Withdraw cash through your credit card conveniently from an ATM.
    • The cash limit depends on your available credit limit.
    • Apply for a personal loan under the CashLite facility. Up to 80% of the available credit limit on your card can be borrowed using this facility.

    Eligibility Criteria

    The bank reserves certain criteria to decide if you are eligible for this card. Please check the eligibility criteria page on our website to know more.

    Lost/Stolen Cards

    • Notify the bank immediately by calling CIMB’s customer service hotline.
    • File a report with the police and submit a copy of the same to the bank.
    • Your liability for unauthorised transactions on your card will be limited to S$100 if:
      • It is established that you weren’t complicit in the fraud.
      • You didn’t act negligently while handling your card.
      • You took all possible steps to minimise chances of damage, loss, or misuse of your card.

    If you are considering applying for your first credit card, especially to build a good credit score, you have multiple options to choose from. The ideal way to narrow down your results is to find credit cards here that match your preferences.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Through Online Banking/Fill and Submit Form to Bank

    • All registered CIMB online banking users can provide standing instructions for bill payments to be auto-debited from their accounts.
    • You can also enrol for your card bill to be auto-debited by submitting the auto-debit authorisation form to the bank.
    • Standing instructions for bill payments can be disabled via online banking. To disable auto-debits for your card payment, call CIMB’s 24-hour customer service hotline.

    How to Apply for the Card & Check the Application Status

    Apply Online and Follow Up With the Bank

    You can either apply for your card online on the bank’s website or you can provide your phone number so that a CIMB customer representative can get in touch with you.

    To check the status of your credit card application, you can call their customer service hotline.

    How to Check Balance

    By Downloading CIMB Clicks

    If you are a registered CIMB online banking user, then you can check the balance on all cards that you have linked to CIMB Clicks.

    How Can the Bill Be Paid?

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

    Your monthly bill can be paid via the following methods:

    • CIMB current account and savings account holders can make payments via CIMB Clicks.
    • Internet banking facilities provided by other banks.
    • Via interbank GIRO.
    • AXS Stations throughout Singapore.
    • Via cheque made payable to “CIMB Bank Berhad – Credit Cards”.

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

    3% of the Outstanding Balance or Min S$50

    The minimum amount that you can pay each month is 3% of the outstanding balance plus any outstanding amount that is due or S$50. The higher of the two will be considered as the minimum payment amount.

    What Is the Grace Period?

    23 Days

    The interest-free period for this card is 23 days from the statement date. This grace period is provided only if there is no balance that has been carried forward from the previous months.

    Can It Be Used With EZ-Link?

    Yes

    You can use your card with EZ-Link. However, you will not earn any rewards on these transactions.

    How to Block or Unblock the Card

    Call CIMB Hotline

    To block or unblock your credit card, please call the customer service hotline and follow the instructions provided.

    How to Reset the PIN

    Through CIMB ATMs/Bank Branches/Submit Form to Bank

    • Fill and submit the Credit Card Account Maintenance Form and use the business reply envelope to send it to CIMB.
    • You will receive a confirmation mail through post with your new PIN.
    • It will take at least 7 business days for your application to be processed and the changes to reflect in CIMB’s records.
    • Alternatively visit a bank branch or CIMB ATM to reset your PIN.

    What Is the Billing Cycle and the Bill Due Date?

    1 Month (Can Start on Any Day)

    Billing cycles will differ for each cardholder. You will receive your statement of accounts detailing all transactions on a monthly basis. The billing cycle begins from the date on which your credit card was approved.

    The date by which your payments has to be made without incurring any late fees will be indicated on your statement.

    How to Get a Replacement Card

    Fill Form and Submit to Bank

    To get a replacement card you will have to submit the Credit Card Account Maintenance Form to CIMB using the business reply envelope provided.

    It will take 7 working days for CIMB to process your request and send you a replacement card. You will be charged S$20 per replacement card.

    How to Temporarily Increase the Limit of the Card

    Download Form and Mail it to the Bank

    • Submit the Temporary Credit Limit Increase Form to CIMB.
    • You can request for this increase only for funeral arrangements, weddings, hospitalisation, medical expenses, and travel requirements.
    • If all documents are in place, it will take at least 2 business days for the increase to take effect.
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