The CIMB Visa Infinite is a premium credit card built for professionals and frequent travelers. It combines high reward potential, airport lounge privileges, and waived annual fees.
This guide explains everything you need to know before applying and how to qualify successfully.
You will also learn about eligibility, interest rates, and contact details to help you decide confidently.
Understanding the CIMB Visa Infinite Credit Card
Knowing the main features helps you understand the card’s value.
It’s designed to serve individuals who want comfort, flexibility, and premium lifestyle access.
Key Card Features
The CIMB Visa Infinite offers premium benefits for frequent spenders. You earn 5X Bonus Points on dining and overseas purchases and up to 15,000 extra monthly points redeemable for flights and gadgets.
Both principal and supplementary annual fees are waived, adding long-term savings.
It also includes 5X airport lounge access and 12X Sky Lounge entries for comfortable travel experiences.
Who the Card Is For?
This card fits customers who maintain higher monthly expenses or travel regularly. It is suitable for those who prefer cashless luxury with additional privileges.
Professionals, business travelers, and lifestyle-driven users gain the most from its reward and lounge access programs.
If you value flexibility and efficiency in managing your spending, this card provides practical financial convenience.
Benefits and Privileges Explained
Understanding the privileges helps you use the card effectively.
Each reward adds real value to daily expenses and international travel.
Bonus Points System
The reward system makes it easy to accumulate points on every transaction. You’ll receive 5X points for dining and overseas spending and 1X point for other local transactions.
If you meet the monthly minimum spend, you can earn up to 15,000 extra points, which accelerates your rewards faster.
These points are redeemable for flights, electronics, or lifestyle rewards. It’s a practical way to turn spending into tangible benefits.
Airport Lounge Access
Frequent travelers get 5X complimentary access to more than 150 Plaza Premium Lounges worldwide.
The benefit renews each year when your annual retail and online spending reaches RM60,000.
Additionally, you can access the Sky Lounge at SkyPark Terminal up to 12 times a year with a minimum monthly spend of RM2,000. This feature ensures comfort during layovers and business trips without additional fees.
Complimentary Annual Fees
CIMB waives both principal and supplementary card fees. You can focus on maximizing rewards without paying recurring maintenance costs.
This advantage makes it easier for families to enjoy multiple cards under one account. The fee-free structure is especially appealing to new applicants who want long-term savings.
Eligibility and Application Requirements
Before applying, it’s important to confirm your eligibility.
CIMB sets clear requirements to maintain a smooth approval process.
Income Requirement
Applicants must have a minimum annual income of RM60,000. This ensures credit responsibility and aligns with the card’s premium positioning.
The bank may review income documents to verify qualification. Maintaining steady employment or business revenue improves your approval chance.
Required Documents
You’ll need a copy of your NRIC or passport, recent payslips, and bank statements for at least three months. For self-employed applicants, tax returns or EPF statements may be required.
Providing accurate and updated documentation helps speed up approval. Always double-check that all files are complete before submission.
Application Channels
You can apply online through the official CIMB website by clicking “Apply Now”. Alternatively, you may visit the nearest CIMB branch for personal assistance.
Customer service can also guide you through the process via phone or email. These flexible channels make it easy to apply regardless of your schedule.
Step-By-Step Guide on How to Apply
The process is designed for efficiency and simplicity.
Following these steps ensures your application moves quickly.
Step 1 – Check Eligibility
Confirm that your income, age, and credit history meet the card’s requirements. Fulfilling these conditions prevents delays in approval.
Having no outstanding debt increases your likelihood of success. Always verify these details before starting the application.
Step 2 – Prepare Necessary Documents
Gather all identity and income documents to support your application. Include only accurate copies and ensure they’re recent.
Organizing files ahead saves time when you submit them. This step also helps avoid re-submission requests from the bank.
Step 3 – Submit the Application
Complete your application on the CIMB website or in-branch. Review every field carefully before submission.
Online applicants will receive a confirmation email once the request is submitted. For branch applications, you’ll get an acknowledgment receipt from staff.
Step 4 – Wait for Review and Approval
CIMB will assess your documents, income, and credit profile. Approval usually takes around three to five working days.
If additional verification is needed, the bank may contact you. Once approved, your card will be mailed to your registered address.
Fees, Charges, and Interest Rates
Understanding charges ensures you manage your finances properly.
These rates and fees define how much you pay when using your credit card.
Annual Fees
Both the principal and supplementary cards come with waived annual fees. This makes it ideal for long-term usage without added costs.
You can enjoy full benefits without worrying about yearly renewals. It’s one of the card’s strongest advantages for budget-conscious users.
Interest Rates
The retail interest rate usually ranges between 15% and 18% per annum, depending on your payment history. The cash advance interest rate is approximately 18% p.a.
Finance charges apply if you fail to pay your outstanding balance in full. Regular, on-time payments help maintain lower effective interest costs.
Other Charges
Late payments incur 1% of the outstanding balance or a minimum of RM10. Cash advance fees are 5% of the withdrawn amount or RM15, whichever is higher.
Foreign transactions carry a small fee, typically 1% by Visa plus 1% by CIMB. Monitoring your statements regularly helps prevent unnecessary charges.
Tips to Earn More Points
Maximize your CIMB Visa Infinite by using it strategically to earn the highest possible rewards.
- Use your card for dining and overseas purchases to enjoy the 5X bonus points.
- Consolidate monthly expenses to reach the RM3,000–RM5,000 spending target.
- Redeem points for travel, electronics, or gift vouchers via the CIMB Rewards portal.
- Track and monitor your spending through the CIMB Clicks app to optimize usage.
Customer Support and Contact Details
CIMB provides accessible support channels for inquiries and assistance.
You can reach them through the following official contacts.
- CIMB Headquarters Address:
17th Floor, Menara CIMB, Jalan Stesen Sentral 2, Kuala Lumpur Sentral 50470 Kuala Lumpur. - Customer Service Hotline: +603 6204 7788 (available daily).
- Email: callcentre@cimb.com
- Website
These contact points cover everything from credit card applications to account support.
Always use official channels to verify details or resolve issues. The bank’s support team ensures all cardholders receive accurate and timely service.
Disclaimer
Information in this article is for educational purposes only. Terms, conditions, and interest rates are subject to updates by CIMB Bank.
For the most accurate information, visit the official CIMB website or contact customer support directly.
Conclusion – A Smart Choice for Frequent Spenders
The CIMB Visa Infinite stands out for its generous rewards and travel privileges. Applying is straightforward whether you do it online or in person.
With waived annual fees and multiple lounge benefits, it’s ideal for users who value convenience and lifestyle perks.
Responsible management ensures you enjoy every benefit while keeping your finances in control.
