CIMB Visa Signature Credit Card
Free-for-life travel points — 2x overseas + lounge
Apply for CIMB Visa Signature Credit Card →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
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
The catches most people miss on the CIMB Visa Signature Credit Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- Foreign transaction fee
- The conversion rate as determined by Mastercard International or VISA International, plus a 1% CIMB administrative cost, plus any transaction fee charged by Mastercard/VISA — per the bank-wide PDS's 'Conversion for Overseas Transaction' row (no card-specific override found).
- ⚠Bonus Points exclusions/monthly or annual cap are governed by a separate Member Rewards Programme T&C not located this pass — not guessed here.
Verified 1 September 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 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.