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What is a credit card?


A credit card is a payment card that allows you to make purchases and transactions with ease. You can use a credit card for purchases online and in-store, as well as bill payments.


A credit card is essentially short-term financing given by a bank and comes with a credit limit (the maximum amount that you can borrow). When you use a credit card, you receive a monthly statement that shows you the amount you need to pay to the bank. You can choose to pay off the full balance or make a minimum payment, however, you will be charged interest on the remaining balance.



What are the types of credit cards available in Malaysia?


From cash and petrol rebates to travel credit cards, there are many types of credit cards that are available in Malaysia. For example, CIMB offers a variety of credit cards with features and benefits that you can choose from. Some of these are:


  • Cash rebate
  • Travel Rewards and Airport Lounge Access
  • Bonus Points
  • Petrol Rebate
  • Dining Privileges


Scroll through our credit card page and select a credit card product to find out more.



What are the benefits of a credit card?


Credit cards come with several benefits, such as:


  • Convenience: Credit cards are widely accepted and can be used to make purchases online, and in stores, both locally and overseas.

  • Rewards and cashback: Many credit cards offer rewards programmes that give you points or cashback on your purchases. You can redeem your bonus points for merchandise, and travel tickets and even make payments with your points.

  • Build credit history: Using a credit card responsibly and making payments on time can help you build a positive credit history, which can make it easier to qualify for other types of credit in the future.



How do I apply for a credit card with CIMB?

To apply, select the credit card of your choice and click on the “apply now” button to begin your application. Before applying, please ensure that you read and understand the terms and conditions, eligibility and fees and charges that may apply.



Does CIMB offer Islamic credit cards?

Yes. To view our Shariah-compliant credit cards, click on the “Islamic” filter tab on the credit card listing page.