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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
RM500

RM87.45

RM45.78

RM24.95 

RM1,000

RM174.90

RM91.57

RM49.90 

RM2,000

RM349.80

RM183.13

RM99.80

RM3,000

RM524.70

RM274.70

RM149.70

* 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. 

Terms and Conditions

Flexi Payment Plan Terms and Conditions (ENG)
Flexi Payment Plan Terms and Conditions (BM)
Flexi Payment Plan Product Disclosure Sheet (ENG)
Flexi Payment Plan Product Disclosure Sheet (BM)

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