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    CIMB World MasterCard For Travel

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    If you’re someone who loves the finer things in life, get ready to be blown away by a plethora of exclusive privileges that are offered by this card. The CIMB World Mastercard has been crafted with great care to offer you unlimited cash rebates of 1% on every single retail purchase you make. In addition to this, you get access and complimentary fees on the greens of some of the best golf courses in this part of the world. Love dining out? Then make use of the discounts (of up to 50%) given by this card at selected restaurants in the country and save big. Apart from being free for life, this credit card also gives you regional discounts on shopping, dining, and more, every now and then. It is accepted all over the world and offers you complimentary travel insurance, along with instalment payment plans to help pay large expenses more easily.

    Key Features

    Feature Description
    Cash rebate on al eligible spends 1%
    Complimentary travel insurance Up to S$1 million

    Unlimited 1% Cash Rebates Are Super Exciting

    Who doesn’t love getting rewards, eh? This card gives you a rebate of 1% on every retail transaction you make both locally in Singapore as well as overseas. The fact that there is no cap on how much you can accumulate opens up limitless possibilities. As you keep spending on the card, you keep getting rewarded for it. It’s that simple and that awesome.

    Playing Golf Gets a Whole Lot Better

    Golf can turn out to be a pretty expensive pastime. But if playing this sport is something you love, you should consider getting this card. It gives you privileged access to some of the best and most popular golf courses in Singapore, Indonesia, Philippines, Vietnam, Thailand, Malaysia, and Cambodia. How cool is that? The next time you want to tee-off, using this card’s green fees waiver can help you reduce your expenses. What better way could there be to play golf?

    Scrumptious 50% Discounts on Dining

    Dining out with our family and friends is an activity a lot of us cherish. But that being said, it can also mean that your dining bills can empty out your pockets, especially if you’re footing the bill. In a bid to make your dining escapades a lot cheaper, this credit card gives you up to 50% off on dining options at a number of restaurants in the country. Whether you’re dining as a couple or as a group of up to 10, you can dine at some of the most delectable food joints in Singapore and save big on your food bills. Good food brings happiness, they say, but we also feel that good food at half the price is double the joy.

    Travel With Peace of Mind Courtesy of Travel Insurance

    The thought of flying or an overseas journey making you feel a bit queasy? Drive away the travelling blues and give your mind the peace it needs courtesy of the free travel insurance that comes with this card. This automatic insurance covers both you and your family for even the smaller aspects of journeying including missed flights, baggage delays, and more.

    The World in the Palm of Your Hand

    When you own this card, you have the whole world in your hand. Well, not literally. But the fact that it is accepted for payments all over the world makes it a truly global card, making sure that it gives full value to its name. You can use it to pay at more than 20 million outlets worldwide, meaning you don’t have to necessarily carry a lot of cash everywhere you go. Talk about a friend in need being a friend indeed.

    Protection for Your Purchases

    Online buying and selling has caught on in a big way over the past decade or so. But if you’re still wary about spending your money over the internet, the e-commerce purchase protection feature on this card ought to allay some of those fears. It covers goods that are delivered to you in a damaged condition, purchases that are not delivered at all, and improperly functioning goods, among others. Now shop with more peace of mind knowing that your purchases are insured when you pay online.

    A 0% Instalment Plan to Give You Financial Flexibility

    If you’re finding it hard to pay for a purchase that costs S$500 or more in one go, simply use the CIMB 0% i.Pay Plan to convert it into smaller instalments. You can choose to pay for purchases like this over periods of up to 20 months. This facility does not charge you any interest, making it more convenient for you to pay smaller amounts every month, and giving you more flexibility and freedom regarding your finances.

    Additional Benefits

    The other benefits offered by this card include:

    • Dining privileges:
      • Make dining plans with a group size of two to 10 people and get a discount of up to 50% when you charge it to your card.
      • Enjoy this offer at the following restaurants:
        • Xin Cuisine Chinese Restaurant
        • Spizza
        • Peach Garden Chinese Restaurant
        • La Nonna
      • The offer will be valid till 31 December 2018.
    • Golfing privileges:
      • Enjoy green fee waiver at a number of golf courses within Singapore and neighbouring countries such as Malaysia, Thailand, Philippines, Indonesia, Vietnam, and Cambodia.
      • Play up to four times each year at any of the listed golf courses.
    • Regional offers: Enjoy special offers on dining, retail, lifestyle, and other categories if you travel to Malaysia and Indonesia frequently.
    • Local promotions: Enjoy several promotional deals on your card in Singapore. Find the latest offers here.

    Earning Cash Rebate?

    • Get a cash rebate of 1% on all retail spends – local and overseas – processed through MasterCard networks.
    • Earn cash rebates on all your purchases converted into instalments under the 0% i.Pay Plan.
    • There is no cap on the amount of cash rebate that can be earned.
    • Cash rebates will be awarded if the transaction amount is at least S$1.
    • The cash rebates earned will be directly credited to the card account, every statement month.

    Calculate Cash Rebate from CIMB World MasterCard

    This card earns you a constant 1% cash rebate on all your retail purchases, both locally and overseas. Besides, there is no cap on the amount of cash rebates you could earn. Let’s see how much you can save per spend category in the table below for different monthly spends:

    Spend categories Monthly spend Cashback rate Cash rebate amount
    Local retail spend S$2,000 1% S$20
    Overseas retail spend S$1,000 1% S$10
    Other retail spends S$500 1% S$5
    Total S$3,500 Cash rebate earned is S$35

    Complimentary Insurance Coverage

    Type of benefit Amount assured for each person for each trip
    Primary cardholder Spouse Dependent child
    Death due to an accident S$1 million S$500,000 S$100,000
    Permanent disablement Up to S$1 million Up to S$500,000 Up to S$100,000
    Misconnection during the trip Up to S$300 Up to S$300 Not covered
    Delay of flight (S$100 covered for every six consecutive hours delayed) Up to S$300 Up to S$300 Not covered
    Delay of luggage (for a period of six consecutive hours) S$300 S$300 Not covered
    Loss of luggage Up to S$300 Up to S$300 Not covered

    Who All Will Be Covered by the Insurance?

    • This complimentary travel policy will cover:
      • All the primary cardmembers.
      • The spouse of the cardholder.
      • Any dependent children.
    • Your family members will be covered only if you reside or work in Singapore.
    • Charge the entire fare of the trip to the credit card to enjoy this complimentary insurance coverage.

    Interest Rates

    Type of Interest Charge
    Retail Purchases 25.5% p.a., subject to a minimum charge of S$2.50
    Cash Advance 28% p.a., subject to a minimum charge of S$2.50
    Instalment Payment Plan No interest is levied for the instalment plan

    CIMB World MasterCard Fee and Charges

    Type of charge charge
    Annual Fee Annual fee waived permanently for this card
    Overseas Transaction Fee 3% of the payment, comprising 1% charged by MasterCard and 2% administrative fee levied by CIMB Bank
    Late Payment Fee S$100 if the bill is more than S$50
    Over-limit Fee S$50 or 5% of the excess sum withdrawn, depending on whichever is greater
    Cash Advance Fee 6% of the sum withdrawn, subject to a minimum charge of S$15
    Supplementary Card Annual Fee S$75 (First-year fee waived for up to two cards)

    Activating the Card for Overseas Expenses

    • Yes, the magnetic stripe on the back of your card has to be activated before you can use it for retail transactions abroad.
    • This technology is by default in a deactivated state for data protection.
    • Activate the stripe permanently or temporarily by calling the CIMB Customer Care Hotline.
    • Deactivate the feature after returning to Singapore for security reasons.

    Instalment Payment Plans Available

    • Split your big-ticket purchases into fixed monthly instalments with the CIMB 0% i.Pay Plan.
    • Distribute the pay over 5, 10, or 20 equal monthly instalments.
    • Enjoy a 0% APR only if you pay the instalments in full every month.
    • A one-time processing fee, up to a maximum of 5%, will be charged.
    • Spend a minimum sum of:
      • S$500 in one transaction if you opt for a 5-month or 10-month plan.
      • S$1,000 in one transaction if you opt for a 20-month plan.
    • A maximum of S$30,000 can be converted under the 0% i.Pay Plan.
    • Call CIMB’s hotline to apply for this plan.
    • This plan is not applicable for credit card payments and cash advances.

    The processing fee and the effective interest rate for each tenure is illustrated in the table below:

    Tenure chosen Effective rate of interest Processing fee
    5 months 12% p.a. 3%
    10 months 6.55% p.a. 3%
    20 months 5.71% p.a. 5%

    Cash Withdrawal on the Credit Card

    • Get access to emergency cash through your card.
    • The cash withdrawal limit depends on the cash credit available on your card.
    • A revolving line of credit facility called CashLite is available on CIMB credit cards that you can use to access emergency cash. Up to 80% of the available limit on your card can be withdrawn using this facility.

    Eligibility Criteria

    You can find out more about the eligibility criteria of the CIMB World MasterCard on this page.

    Lost/Stolen Cards

    • Report the incident to the bank immediately by calling its hotline number.
    • In cases of theft, a report needs to be filed with the police and a copy of the same has to be submitted to the bank.
    • Cut the card into several pieces and send it to the bank if you find it after you have informed the bank of its disappearance. Don’t use the same card again.
    • Your liability for unauthorised use of your card will be limited to S$100 provided:
      • You have informed the bank about the incident within a reasonable period from the time of its detection.
      • You weren’t complicit in the fraud.
      • You weren’t negligent while handling your card.
      • You assisted the bank during its independent 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 credit score. Look through our website to find the benefits of all credit cards explained thoroughly.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions?

    Through Auto-Debit/Interbank GIRO Form

    • Fill the “Auto Debit and Interbank GIRO Authorisation Form” available on the bank’s website.
    • Submit it via mail or visit any CIMB Bank branch.
    • The bank will take approximately 4 to 6 weeks to process your application.
    • Upon approval, payments will be automatically deducted 2 working days before the payment due date.

    To terminate this facility, fill the “CIMB Credit Card Account Maintenance Form” and submit it to the bank.

    How to Apply for the Card & Check the Application Status?

    Apply Online and Follow up With the Bank

    You can apply for the credit card online by following the steps listed below:

    • Click on the “Apply Now” button on the card’s webpage, fill your personal details in the application form after checking the eligibility criteria and submit it to the bank.
    • You must also keep the relevant supporting documents ready.

    To check the status of your application request, you can call at 24/7 Customer Service hotline.

    How to Check Balance?

    Through CIMB Clicks

    • Register for CIMB Online Banking.
    • Check balance on credit cards linked to CIMB Clicks.

    How Can the Bill Be Paid?

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

    The credit card bills can be paid in any of the following ways:

    • CIMB Clicks (Internet Banking)
    • Internet banking facility from other banks
    • Interbank GIRO
    • AXS stations
    • Cheques

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

    3% of the Outstanding Balance or Min S$50

    The minimum payment amount equals 3% of the amount remaining due, along with any overdue amount from earlier statements. This sum is subject to a minimum charge of S$50.

    What Is the Grace Period?

    23 Days

    A grace period of 23 days will be applicable if your credit card bills are paid completely by the due date every month.

    Can It Be Used With EZ-Link?

    Yes

    Yes, you can use this credit card as an EZ-Link card.

    How to Block or Unblock the Card?

    Call Customer Service Hotline

    You must inform the bank and block your card immediately, in case your card is lost or stolen. You can do so by calling at the 24/7 Customer Service hotline. To unblock your card, you can call at the same number, and place a request for unblocking of the card.

    How to Reset the PIN?

    Submit Form to Bank/Visit Bank Branch or ATM

    • Download, fill, and submit the Credit Card Account Maintenance Form.
    • The bank usually processes your request within 7 business days.
    • Also, you have the option of resetting your PIN by visiting any CIMB Bank branch or ATM.

    What Is the Billing Cycle and the Bill Due Date?

    1 Month (Can Start on Any Day)

    The billing cycle will be determined based on the number of working days in a month, and will thus vary from one cardholder to the other. The billing cycle and the due date for billing is usually indicated in your monthly statement.

    How to Get a Replacement Card?

    Fill Form and Submit to Bank

    Download the Credit Card Account Maintenance Form, fill it, and submit it to the bank in case of a card replacement.

    You can ask for a card replacement, in case it’s lost or stolen. The bank will approve your request after validating terms and conditions associated with it. The bank might also impose a certain replacement fee.

    How to Temporarily Increase the Limit of the Card

    Download Form and Mail to Bank

    • Download, fill, and submit the CIMB Temporary Credit Limit Increase Form enclosed in a Business Reply Envelope.
    • Credit limit increase is provided in cases of medical expenses, wedding expenses, funeral arrangements and travel purposes.
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