CIMB Visa Signature Credit Card
Free-for-life travel points — 2x overseas + lounge
Apply for CIMB Visa Signature Credit Card →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
CIMB Bank CIMB Visa Signature Credit Card overview
The CIMB Bank CIMB Visa Signature Credit Card is a Signature-tier Visa points card built around rewards points. Free-for-life travel points — 2x overseas + lounge. It best suits middle-income earners, with a minimum income requirement of RM36,000 a year. It carries no annual fee. Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓2x Bonus Points on overseas spend
- ✓2x Plaza Premium + 12x SkyPark lounge access
- ✓Up to RM300,000 travel insurance
Is the CIMB Visa Signature Credit Card worth it?
The CIMB Visa Signature Credit Card is best suited to middle-income earners — its minimum income requirement is RM36,000 a year (about RM3,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Free for life — no annual fee
- +Earns 1 reward point per RM1 spent
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −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 1 point per RM1, around RM2,000 of monthly spending earns about 2,000 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
Before you apply, read CIMB Bank's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 Official CIMB Visa Signature Credit Cardterms & product disclosure →CIMB Visa Signature Credit Card FAQ
You need a minimum annual income of RM36,000 (about RM3,000 a month). CIMB Bank also considers your overall credit standing.
No — the CIMB Visa Signature Credit Card is free for life with no annual fee.
It earns 1 reward point per RM1 spent. Free-for-life travel points — 2x overseas + lounge.
No — the CIMB Visa Signature Credit Card is a conventional credit card. Check with CIMB Bank for any Islamic (card-i) equivalent.
It's a good fit for middle-income earners who want rewards points — its main draw is "Free-for-life travel points — 2x overseas + lounge". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the CIMB Visa Signature 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.