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Benefits & Privileges

Financial Flexibility
Financial Flexibility

How does it work?

Step 1

Charge RM500 or more in a single transaction with your CIMB Credit Card

Step 2

Receive an SMS offer from CIMB to convert the transaction

Step 3

Reply the SMS to apply

Repayment Table

Flexi Payment Plan at 9.88%* p.a.  Monthly Payments
6 Months 12 Months 24 Months
















* The flat interest rate of 9.88% p.a. is equivalent to effective interest rate of 16.74% p.a. for 6 months, 17.76% p.a. for 12 months, and 17.95% p.a. for 24 months respectively. 

Effective interest rate is the interest rate on a financial product with annual compounding interest.


Maximum tenures offered to cardholder is as per the Bank’s discretion.

Important Notes

  • CIMB Bank reserves the right to approve the Flexi Payment Plan or reject the application in its entirety at its absolute discretion.
  • The minimum Flexi Payment Plan amount is RM500 converted from each retail transaction while the maximum amount is subject to your outstanding retail balances and available credit card limit.
  • The Flexi Payment Plan monthly payment will be reflected in your CIMB credit card statement.
  • Flexi Payment Plan monthly payments must be paid in full by the credit card due date for each month. A late payment charge of 1% on the outstanding balance of the Flexi Payment Plan monthly payment (subject to a minimum of RM10 and maximum of RM100) will be charged if you fail to do so. A finance charge of 18% per annum will be imposed on any outstanding amount due and remaining unpaid to the Bank under the Flexi Payment Plan facility.
  • No Bonus Points, Bonus Miles or cash rebates will be awarded under this programme.
  • Cardholders of CIMB Islamic card, CIMB Platinum Business Card and CIMB Partner Card (issued to partner's company agent) are not eligible to participate in the programme.