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Personal Banking > Cards > Credit Cards

Local and Overseas Cash Rebates
Enjoy a 0.5% cash rebate on local spend and 1% overseas, with no minimum spend and no monthly cap. What’s more, the process is fast and convenient, with rebates automatically offset from your bill every month.
Bonus 3.3% Cash Rebates
With a 3.8%* cash rebate on insurance, education and home furnishing and appliances, big-ticket purchases are now more affordable than ever. Simply spend a minimum of S$500 and you can enjoy a cash rebate of up to S$600 per year.

*3.8% is inclusive of the 0.5% cash rebate on local spend.

Terms and conditions apply.
Freedom for Life, with No Annual Fees
Experience year after year of financial freedom – without joining fees or annual fees for the Principal Cardmember, ever.
Cross Border CIMB Bank Smart Rewards
With the cross border CIMB Bank Smart Rewards Programme, you’ll receive exclusive offers, discounts and privileges at over 1,000 established merchant outlets in Singapore, Malaysia and Indonesia. Every day, all year long.
Flexi-Payment with CIMB 0% i.Pay Plan
Travel around the world or purchase anything with the CIMB 0% i.Pay Plan. You can enjoy flexible repayments of up to 20 months when you charge any of your retail purchases to your CIMB PLATINUM MasterCard
Interest-Free Shopping
You can enjoy an interest-free period of 20 days from the statement date for all your retail purchases if the preceding month’s outstanding balance has been fully settled.
Share the Benefits
Share the benefits with your family and loved ones with up to 4 supplementary cards, and a first year annual fee waiver for the first two supplementary cards.
24-Hour CIMB Credit Cards Customer Service Hotline
We’re devoted to serving you with the quality of services that you’re accustomed to. Should you require assistance in any manner, please call (65) 6438 1118. Our friendly and professional Customer Service Officers will attend to your queries at any time, day or night.
Terms and conditions are applicable to all benefits, programmes and entitlements listed above.

Annual Income:
a Singaporean and Singapore PR: S$30,000
a Singaporean and Singapore PR, aged 55 years and above: S$15,000
Applicants who do not meet the minimum income requirement can submit a minimum Fixed Deposit Collateral of S$10,000.
Minimum Age:
a Principal: 21 years old
a Supplementary: 18 years old
Documents required, non-returnable:
i) A photocopy of NRIC (Both sides) for both Principal and Supplementary card applicants OR a photocopy of valid passport for Supplementary card applicants (Foreigner); and
ii) For salaried employee - Latest computerised payslip OR CPF statement (For past 12 months) OR latest income tax notice of assessment.
iii) For self employed - Last 2 years' incomes tax notice of assessment AND bank statement (For 3 months).
iv) For commissioned or variable income earner - Last 2 years' income tax notice of assessment OR CPF statement (For past 12 months).

1 Annual Membership Fees Nil
2 Minimum Payment
Where the outstanding balance is S$50 and less, the Cardmember must make full payment by the payment due date to avoid incurring Late Payment Charge. Where the outstanding balance exceeds S$50, the Cardmember may avoid incurring Late Payment Charge by making Minimum Payment by the payment due date as follows:
3% of the outstanding balance or S$50 whichever is higher, plus any outstanding overdue amount from the previous statement
3% of the outstanding balance or S$50 whichever is higher, plus the excess over the credit limit and any outstanding overdue amount from the previous statement
3 Finance Charge for Retail Transactions
Finance Charge: 2% per month (effective interest rate 24% p.a. subject to compounding if the charges are not repaid in full) on the transaction amount, chargeable on a daily basis from the date of posting until receipt of full payment (Minimum charge: S$2.50)
No finance charges will be levied if payment is received in full by the “Payment Due Date”, and there is no balance carried forward from the previous statement.
4 Cash Advance fee
Fee: 6% of the amount withdrawn (minimum charge of S$15).
Finance Charge: 2% per month (effective interest rate 24% p.a. subject to compounding on the amount withdrawn), chargeable on a daily basis from the date of withdrawal until receipt of full payment (minimum charge of S$2.50).

5 Fee Charged for Accounts in Excess of Approved Limit For each occasion that the credit limit is exceeded, S$50 or 5% of the excess amount, whichever is higher.
6 Late Payment Charge S$60 if (i) full payment of the outstanding balance (where the outstanding balance is S$50 and less) is not received by the payment due date; or (ii) if the Minimum Payment (where the outstanding balance exceeds S$50) specified in the Statement is not received by the payment due date.
7 Replacement Card S$20 per card
8 Unsuccessful Payment Service Charge S$40 for any returned cheque and S$10 for any rejected Interbank Giro payment
9 Request for Card Statement S$5 per monthly statement. For retrieval of statements that are more than 3 months old, a fee of S$10 per copy applies.
10 Request for Sales Draft S$5 per copy.
11 Transactions in Foreign Currencies and/or Overseas A service charge levied by the respective card associations and an administrative fee of 1.4% of the transaction amount (or such other rates as we may determine from time to time) levied by us is incurred for foreign currency transactions when you use the Card to purchase goods, services or facilities in foreign currency. Overseas transactions (whereby the merchant is based outside of Singapore) transacted in Singapore Dollars are also subject to the charge imposed by the respective card associations.

Note: Foreign currency transactions will be billed in Singapore Dollars, the Card Account currency. In this regard, transactions other than in US Dollars will be converted into US Dollars first before they are converted into Singapore Dollars. Each conversion will be based on such rate as determined by the respective card associations. The conversion rate is applied on the date of posting to the Card account and may be different from the rate in effect on the date of transaction.

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