CIMB Bank

CIMB Travel World Credit Card

WorldVisa

MILES5.0(1 review)

Up to 8x CIMB Points per RM1 overseas spend

Apply for CIMB Travel World Credit Card →

👍

Be the first to recommend it

on rates.my · only the card type is shared, never your number

Last updated 21 September 2026 · Reviewed by Raymond, Rates.my

Annual fee

RM554.72

100% waived at RM120,000+/yr spend; 50% waived at RM60,000+/yr; none below RM60,000/yr

Min income

RM100k/yr

RM8333/mo

Network

Visa

CIMB Travel World Credit Card overview

The CIMB Bank CIMB Travel World Credit Card is a World-tier Visa miles card built around air miles. Up to 8x CIMB Points per RM1 overseas spend. It best suits high-income earners, with a minimum income requirement of RM100,000 a year. It has an annual fee of RM554.72 (100% waived at rm120,000+/yr spend; 50% waived at rm60,000+/yr; none below rm60,000/yr). Standout perks include airport lounge access, complimentary travel insurance.

Features & benefits

✓Up to 8x CIMB Points per RM1 spent overseas (Airlines/Duty Free sub-category may earn only 1x per an older CIMB rewards T&C — unconfirmed)
✓2x CIMB Points per RM1 local spend
✓Transfer points to Enrich, KrisFlyer & Asia Miles
✓3 complimentary Plaza Premium lounge visits per qualifying quarter with RM6,000+ quarterly spend, capped 12/yr
✓Free travel insurance up to RM1,000,000
✓Annual fee 100% waived at RM120,000+/yr spend, 50% at RM60,000+/yr

✈️ Lounge access🛡️ Travel insurance

Is the CIMB Travel World Credit Card worth it?

The CIMB Travel World Credit Card is best suited to high-income earners — its minimum income requirement is RM100,000 a year (about RM8,333 a month). As a miles card, it works best for frequent flyers who will convert spending into air miles and redeem them for flights or upgrades.

Pros

+Annual fee waivable (100% waived at rm120,000+/yr spend; 50% waived at rm60,000+/yr; none below rm60,000/yr)
+Complimentary airport lounge access
+Complimentary travel insurance
+Broad range of benefits and perks

Cons

−RM554.72 annual fee unless the waiver condition is met
−Higher income requirement — RM100k a year
−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

Eligibility & how to apply

Minimum income

RM100,000 a year (about RM8,333 a month). CIMB Bank may also assess your overall credit profile.

Age

Principal applicants are usually 21 and above; supplementary cardholders are often accepted from 18.

Documents

Your MyKad (or passport for non-residents), latest payslips or your most recent BE/EA form, and recent bank or EPF statements as proof of income.

How to apply

Apply online via CIMB Bank, or at any CIMB Bank branch.

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 Travel World Credit Card, in plain language — so nobody gets caught out. Always confirm against the official terms.

What's excluded: Bonus Points exclude cash advances/withdrawals/deposits, betting/gaming, petrol/diesel/petrol-kiosk purchases, disputed transactions, prepaid-balance transactions, annual/service/delivery/replacement fees and other bank charges, instalment plans, auto-billing/direct-debit/recurring transactions, charity payments (MCC 8398), government payments (MCC 9211/9222/9223/9311/9399/9402/9405), JomPAY/FPX/DuitNow QR, and e-wallet top-ups (MCC 6540, e.g. GrabPay/Touch 'n Go/ShopeePay).
Min spend to earn: None for the points-multiplier table itself — do not confuse with the RM6,000/quarter spend needed to unlock lounge visits (see capDetail) or the tiered annual-fee waiver.
How the cap works: Bonus Points capped per statement cycle by MCC group: 50,000 pts each for Transportation/Supermarket-Hypermarket/Utilities/Professional Services; 100,000 pts each for Insurance/MOTO/Telecoms/Automobile/Retail; plus an overall 1,000,000-point cap per cycle across all categories (applies to overseas, airlines, duty-free and local spend alike). Separately, lounge access requires RM6,000+ combined principal+supplementary spend in a calendar quarter to earn 3 Plaza Premium visits that quarter, capped at 12 visits/year.
Foreign transaction fee: The conversion rate set by Mastercard/VISA International plus a 1% CIMB administration cost, plus any network transaction fee — unlike the Travel World Elite tier, this 1% fee is NOT waived for the standard Travel World card.
Fee waiver: 100% waived at RM120,000+/yr combined principal+supplementary spend (trailing 12 months before the fee date); 50% waived at RM60,000+/yr; no waiver below RM60,000/yr. Separate limited-time offer: new cardholders waive the 1st-year fee with RM10,000 spend within 120 days of approval, valid 1 Mar–30 Sep 2026.

⚠Local/overseas points rate corrected 12 Aug 2026: product page states 2x local / 8x overseas — but the older (11 Oct 2025) Member Rewards Programme T&C separately groups 'Airlines' and 'Duty Free' at only 1x, same bucket as local education/insurance/utilities, not with the 8x 'Overseas' currency-spend row. Unresolved conflict between two official CIMB documents of different vintage — treat Airlines/Duty Free specifically as unconfirmed at 8x.
⚠The RM50,000/yr full-waiver figure previously on this site didn't match any official CIMB document — the real waiver is two-tier (100%@RM120k / 50%@RM60k)

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 Travel World Credit Cardterms & product disclosure →

CIMB Travel World Credit Card FAQ

You need a minimum annual income of RM100,000 (about RM8,333 a month). CIMB Bank also considers your overall credit standing.

The annual fee is RM554.72, but it can be waived: 100% waived at rm120,000+/yr spend; 50% waived at rm60,000+/yr; none below rm60,000/yr.

It earns air miles. Up to 8x CIMB Points per RM1 overseas spend.

No — the CIMB Travel World Credit Card is a conventional credit card. Check with CIMB Bank for any Islamic (card-i) equivalent.

It's a good fit for high-income earners who want air miles — its main draw is "Up to 8x CIMB Points per RM1 overseas spend". Weigh the RM554.72 annual fee against how much you'll earn back. Compare it with the related cards below before applying.

See how the CIMB Travel World Credit Card compares

This card features in our ranked shortlists — compare it against the best in each category:

✈️ Best air miles cards →🧳 Best travel cards →

⚖️ Compare the CIMB Travel World Credit Card against another card →💳 Compare cashback cards at a glance →

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.