CIMB e Credit Card
12x Bonus Points on eDay (28th) + 3x other days on online, auto-billing & contactless spend
Apply for CIMB e Credit Card →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
CIMB e Credit Card overview
The CIMB Bank CIMB e Credit Card is a Card-tier Visa points card built around rewards points. 12x Bonus Points on eDay (28th) + 3x other days on online, auto-billing & contactless spend. It best suits entry-level applicants and first-time cardholders, with a minimum income requirement of RM24,000 a year. It has an annual fee of RM80 (first year waived (from approval date); from year two, waived with rm6,000 annual spend).
Features & benefits
- ✓12x Bonus Points on eDay (28th of the month) — online shopping, auto-billing & contactless spend
- ✓3x Bonus Points on other days for the same spend categories
- ✓1x Bonus Point on other in-store (PIN) spend
- ✓500 Bonus Points = RM1 — redeemable as cashback or Pay With Points at 9,000+ outlets
- ✓Bonus Points capped at 20,000/statement cycle (~RM40)
- ✓No min. spend required
- ✓Annual fee waived with min. RM6,000/yr spend
Is the CIMB e Credit Card worth it?
The CIMB e Credit Card is best suited to entry-level applicants and first-time cardholders — its minimum income requirement is RM24,000 a year (about RM2,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Annual fee waivable (first year waived (from approval date); from year two, waived with rm6,000 annual spend)
- +Earns 3 reward points per RM1 spent
- +Low income requirement — accessible to first-time applicants
- +Broad range of benefits and perks
- −RM80 annual fee unless the waiver condition is met
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
How much could you earn?
At 3 points per RM1, around RM2,000 of monthly spending earns about 6,000 points a month — redeemable for vouchers, gifts or air miles depending on the programme. This is illustrative; redemption value varies.
Eligibility & how to apply
Requirements are general guidance — CIMB Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the CIMB e Credit Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- E-wallet transactions (MCC 6540) earn no rebate, rewards or bonus points since 1 January 2024 (this card was briefly exempted from CIMB's bank-wide 8 Aug 2023 e-wallet revision before losing e-wallet rewards on its own later); rewards accrue only on online shopping, auto-billing and in-store contactless spend.
- How the cap works
- Rewards come as Bonus Points, not direct cashback: 3x points everyday and 12x on eDay (the 28th of each month) on eligible spend, capped at 20,000 Bonus Points per statement cycle.
- Foreign transaction fee
- The conversion rate set by Mastercard International or VISA International, plus an administrative cost of 1%, plus any transaction fee charged by Mastercard/VISA.
- Fee waiver
- First year waived (from card approval date); from year two, waived with RM6,000 total annual spend.
- ⚠The headline 'up to RM600 cashback a year' is delivered via Bonus Points redemption, not automatic monthly cashback
- ⚠12x points apply only on eDay (the 28th) — other days earn 3x
- ⚠E-wallet reloads are fully excluded from all rewards (since 1 Jan 2024, see cashbackExclusions)
Verified 12 August 2026. Summarised in our own words from CIMB Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official CIMB e Credit Cardterms & product disclosure →CIMB e Credit Card FAQ
You need a minimum annual income of RM24,000 (about RM2,000 a month). CIMB Bank also considers your overall credit standing.
The annual fee is RM80, but it can be waived: first year waived (from approval date); from year two, waived with rm6,000 annual spend.
It earns 3 reward points per RM1 spent. 12x Bonus Points on eDay (28th) + 3x other days on online, auto-billing & contactless spend.
No — the CIMB e Credit Card is a conventional credit card. Check with CIMB Bank for any Islamic (card-i) equivalent.
It's a good fit for entry-level applicants and first-time cardholders who want rewards points — its main draw is "12x Bonus Points on eDay (28th) + 3x other days on online, auto-billing & contactless spend". Weigh the RM80 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the CIMB e Credit Card compares
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Rates, fees and promotions are indicative and time-limited — always confirm current terms with CIMB Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by CIMB Bank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.