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Benefits & Privileges

Financial Flexibility Promotions
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


The below table is for illustration purpose only. Actual flat interest rate and tenure offered to cardholder will be indicated in the SMS offer sent by CIMB Bank.


Both tenure and flat interest rate offered to cardholder is as per the Bank’s discretion.

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
















* The payable flat interest rate of 9.88% p.a. is equivalent to an effective interest rate (“EIR”) of 16.74% p.a. for 6 months, 17.76% p.a. for 12 months, and 17.95% p.a. for 24 months respectively. 


EIR is the expression of the  equivalent to the flat interest rate quoted above using compounding and on an annualised interest basis.

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. 

Purchase now, pay later with ease!

Enjoy 12-month 0% Flexi Payment Plan. Promotion valid from 1 August 2021 until 30 September 2021

Flexi Payment Plan 0%