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CIMB CLASSIC MasterCard  

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Freedom For Life, With No Annual Fees
Experience year after year of financial freedom – without joining or annual fees, ever.
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Credit Limit
The CIMB CLASSIC MasterCard is designed for a comfortable credit limit of S$500, providing you with financial flexibility.
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Cross Border CIMB Bank Smart Rewards
With the cross border CIMB Bank Smart Rewards Programme, you will enjoy exclusive offers, discounts and privileges at over 1,000 estblished merchant outlets in Singapore, Malaysia and Indonesia every day, all year long.
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Welcomed Worldwide
Accepted at over 20 million establishments around the world, your CIMB CLASSIC MasterCard is the perfect companion whether you’re shopping, travelling or dining at home or abroad.
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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.
a 24-hour CIMB Credit Cards Customer Service Hotline
We are devoted to serving you with quality services that you are accustomed to. Should you require assistance in any manner, please call (65) 6576 6688. 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 Working Adult: S$18,000 (income documents are required)
a Tertiary Student: 18 years old and above
   
Note: 
i) Applicants must be a Singaporean or Singapore PR and must not be an existing CIMB Credit Cardmember.
ii) CIMB CLASSIC MasterCard comes with a S$500 credit limit.
Minimum Age
a Working Adult: 21 years old and above
a Tertiary Student: 18 years old and above, no minimum income required
Documents required, non-returnable:
a Working Adult:
i) A photocopy of NRIC (Both sides) of applicant; 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' income 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).
a Tertiary Student:
i) A photocopy of NRIC (Both sides) of applicant; and
ii) A photocopy of the front of applicant's Student ID Card/Student Card Matriculation Card
   
a FOR APPLICANT BELOW THE AGE OF 21 (TO SUBMIT):
i) A photocopy of NRIC (Both sides) of applicant's parents/guardian
Note:
Applicant’s parent/guardian must be a Singaporean or Singapore Permanent Resident. Addresses for both applicant and parent/guardian must be similar for verification purposes.



Products/Items
Charges
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: 2.25% per month (effective interest rate 27% 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: 2.25% per month (effective interest rate 27% 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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