19 September 2025

Dear Valued Cardholders,

Effective 11 October 2025, Member Rewards Programme Terms and Conditions will be amended as follows:

1. to include “Debit Cardholders” in the definition of “Customers” and accordingly, “Debit Cardholders” has now been deleted from all  clauses with “Customers/Debit Cardholders”;
2. to streamline the definition of CIMB;
3. to update the definition of “Contactless transaction” to include Digital Wallets;
4. to insert new definitions of Device, Digital Wallet and Digital Wallet Provider;
5. to clarify that conversion of Bonus Points to KrisFlyer miles is for Credit Cardholders only;
6. CIMB Islamic Customers to ensure their redemptions comply with Shariah principles;
7. adjustment and earmark of Customer’s Bonus Points due to abnormality, error or fraud;
8. to update “CIMB Call Centre” to “CIMB Contact Centre”;
9. correction on accumulation of Bonus Points in the CIMB debit card account and not Designated Account; and
10. to clarify E-Wallet transaction as top-ups/reloads into E-Wallet and to give examples of E-Wallet.

You may view the amended Member Rewards Programme Terms and Conditions here.

Please refer to the notice below for more details.

Thank you.

The Management

CIMB Bank Berhad & CIMB Islamic Bank Berhad