CIMB PETRONAS Visa Infinite-i
Up to 12% cashback at PETRONAS/Setel (RM4,000+ statement balance; 6% below that), capped RM60/mo
Apply for CIMB PETRONAS Visa Infinite-i →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
CIMB Bank CIMB PETRONAS Visa Infinite-i overview
The CIMB Bank CIMB PETRONAS Visa Infinite-i is a Infinite-tier Visa cashback card built around cashback. Up to 12% cashback at PETRONAS/Setel (RM4,000+ statement balance; 6% below that), capped RM60/mo. It best suits upper-middle-income earners, with a minimum income requirement of RM60,000 a year. It carries no annual fee. Standout perks include airport lounge access, a Shariah-compliant structure.
Features & benefits
- ✓12% cashback at PETRONAS/Setel with RM4,000+ monthly statement balance (6% below that), capped RM60/mo
- ✓6% cashback on groceries, dining & parking with RM4,000+ statement balance (3% below that), capped RM60/mo
- ✓1% uncapped cashback on overseas spend
- ✓Shariah-compliant — Tawarruq structure
- ✓Airport lounge access (6 visits/yr)
- ✓Annual fee waived with min. RM50,000/yr spend
Is the CIMB PETRONAS Visa Infinite-i worth it?
The CIMB PETRONAS Visa Infinite-i is best suited to upper-middle-income earners — its minimum income requirement is RM60,000 a year (about RM5,000 a month). As a cashback card, it works best for everyday spenders who want straightforward rebates on categories like petrol, groceries and dining.
- +Free for life — no annual fee
- +Up to 12% cashback on petronas/setel (12%/6% by tier) + groceries, dining & parking (6%/3% by tier), each capped rm60/mo; 1% uncapped overseas
- +Complimentary airport lounge access
- +Shariah-compliant — no conventional interest (riba)
- +Broad range of benefits and perks
- −Cashback capped at RM60 a month
- −Top cashback applies only to specific categories (petronas/setel (12%/6% by tier) + groceries, dining & parking (6%/3% by tier), each capped rm60/mo; 1% uncapped overseas)
- −Higher income requirement — RM60k a year
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
Rewards several everyday categories, up to RM60/month. The maximum is the published monthly cap; actual cashback depends on the exact eligible categories, exclusions and minimum-spend terms — confirm the fine print below before you apply.
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 PETRONAS Visa Infinite-i, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- No cash rebate on non-PETRONAS petrol brands, instalment-plan payments (0% Easy Pay, CashLite-i, Flexi Payment Plan-i, Balance/Auto Balance Conversion-i), cash advances, quasi-cash (betting/gaming), charity (MCC 8398), government payments, recurring payments (except at PETRONAS/Setel), JomPAY/FPX/DuitNow QR, or e-wallet reloads (MCC 6540).
- How the cap works
- Two-tier structure by monthly Statement Balance (v. 18 Sep 2024 T&C): RM1,500–RM3,999 earns 6% (PETRONAS/Setel) / 3% (groceries, dining, parking); RM4,000+ earns 12% / 6%. Each category capped RM60/mo (up to RM120/mo combined). Overseas spend earns an uncapped 1%.
- 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.
- ⚠Rate depends on the cardholder's monthly Statement Balance tier, not just spend in the bonus categories — falling under RM1,500 statement balance earns no bonus rebate that month
- ⚠Cash Rebates are applied first to the Yearly Facility Charge before any remainder is credited toward retail purchases
Verified 7 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 PETRONAS Visa Infinite-iterms & product disclosure →CIMB PETRONAS Visa Infinite-i FAQ
You need a minimum annual income of RM60,000 (about RM5,000 a month). CIMB Bank also considers your overall credit standing.
No — the CIMB PETRONAS Visa Infinite-i is free for life with no annual fee.
It earns up to 12% cashback on petronas/setel (12%/6% by tier) + groceries, dining & parking (6%/3% by tier), each capped rm60/mo; 1% uncapped overseas, capped at RM60 a month. Up to 12% cashback at PETRONAS/Setel (RM4,000+ statement balance; 6% below that), capped RM60/mo.
Yes — it is a Shariah-compliant card-i, which avoids conventional interest (riba) and instead uses a Shariah-approved fee structure.
It's a good fit for upper-middle-income earners who want cashback — its main draw is "Up to 12% cashback at PETRONAS/Setel (RM4,000+ statement balance; 6% below that), capped RM60/mo". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the CIMB PETRONAS Visa Infinite-i 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.