Introduction
If you are looking for a credit card that offers exclusive benefits and privileges in Singapore, the CIMB credit card might be the right fit for you. CIMB is a leading financial institution in Southeast Asia with a strong presence in Singapore. The bank offers a range of credit cards that cater to different needs and lifestyles.
CIMB Credit Card Essentials
CIMB credit cards come with a range of essential features such as cashback rewards, low interest rates, and flexible payment options. The bank offers different types of credit cards, including cashback, rewards, and travel cards. You can choose a card that suits your spending habits and preferences. CIMB credit cards are widely accepted in Singapore and overseas, making them a convenient payment option for your daily expenses and travel needs.
Exclusive Benefits and Privileges
In addition to the essential features, CIMB credit cards offer exclusive benefits and privileges such as dining discounts, travel perks, and lifestyle privileges. Depending on the card you choose, you can enjoy up to 10% cashback on dining, shopping, and entertainment expenses. You can also get complimentary travel insurance, airport lounge access, and hotel discounts. CIMB credit cards come with a range of exclusive offers and promotions that can help you save money and enjoy a better lifestyle.
Key Takeaways
- CIMB credit cards offer essential features such as cashback rewards, low interest rates, and flexible payment options.
- CIMB credit cards come with exclusive benefits and privileges such as dining discounts, travel perks, and lifestyle privileges.
- CIMB credit cards are widely accepted in Singapore and overseas, making them a convenient payment option for your daily expenses and travel needs.
CIMB Credit Card Essentials
If you’re looking for a credit card that offers great rewards, then a CIMB credit card might be the right choice for you. Here are some essential details you need to know about CIMB credit cards.
Understanding CIMB Credit Cards
CIMB offers a range of credit cards that come with different benefits and rewards. Some of the benefits include cashback, rewards points, and air miles. You can choose the card that best suits your lifestyle and spending habits.
To apply for a CIMB credit card, you need to be a Singaporean or Permanent Resident with a minimum age of 21 years. You also need to meet the minimum income requirement, which varies depending on the card you choose. For instance, the minimum income requirement for the CIMB Visa Infinite card is $120,000 per annum, while the minimum income requirement for the CIMB Visa Signature card is $30,000 per annum.
Eligibility and Application Requirements
To apply for a CIMB credit card, you need to provide some documents, such as your NRIC, income tax notice of assessment, bank statement, and computerised payslip. Salaried employees need to provide their CPF contribution history statement, while self-employed individuals need to provide their income tax notice of assessment.
Foreign supplementary card applicants need to provide a valid passport, while supplementary card applicants need to provide their NRIC. The application process is straightforward, and you can apply online or visit a CIMB branch.
In conclusion, CIMB credit cards offer a range of benefits and rewards that can help you save money and earn rewards on your spending. Make sure to check the eligibility requirements and application process before applying for a CIMB credit card.
Exclusive Benefits and Privileges
As a CIMB credit cardholder in Singapore, you get to enjoy a wide range of exclusive benefits and privileges that cater to your dining, travel, lifestyle, and entertainment needs. Here are some of the benefits and privileges that come with your CIMB credit card:
Dining and Lifestyle Rewards
Your CIMB credit card entitles you to a host of dining and lifestyle rewards, including discounts at some of the best restaurants in Singapore, cashback on dining expenses, and exclusive deals on lifestyle products and services. With your CIMB credit card, you can indulge in your favourite cuisine without breaking the bank.
Travel Perks and Insurance
Travel in style with your CIMB credit card and enjoy a range of travel perks and insurance benefits. Your CIMB credit card gives you access to airport lounges, travel insurance, and exclusive deals on travel packages. You can also earn air miles and redeem them for free flights and upgrades.
Shopping and Entertainment Offers
Your CIMB credit card also entitles you to a range of shopping and entertainment offers, including discounts on shopping, cashback on entertainment expenses, and exclusive deals on lifestyle products and services. With your CIMB credit card, you can enjoy the best of Singapore’s shopping and entertainment scene without breaking the bank.
In addition, as a CIMB Visa Infinite cardholder, you have access to the Visa Infinite Concierge service, which offers 24/7 assistance with travel, dining, and entertainment reservations. You can also enjoy exclusive privileges, such as lounge access and dining deals, at some of the best establishments in Singapore.
Overall, your CIMB credit card offers you a host of exclusive privileges and benefits that cater to your every need. With your CIMB credit card, you can enjoy the best of Singapore’s dining, travel, lifestyle, and entertainment scene without breaking the bank.
Financial Flexibility and Savings
When it comes to financial flexibility and savings, CIMB credit cards have got you covered. With a range of cashback and promotional offers, as well as low interest rates, you can enjoy the benefits of using a CIMB credit card while saving money at the same time.
Cashback and Promotions
CIMB credit cards offer some of the most attractive cashback and promotional offers available in Singapore. With the CIMB Visa Signature Card, you can enjoy up to 10% cashback on online shopping and groceries, as well as over 1,000 regional deals and discounts. The CIMB Platinum Mastercard™ also offers 10% cashback on dining, transport, and travel in foreign currencies, as well as over 1,000 regional deals and discounts. And if you’re looking for unlimited cashback, the CIMB World Mastercard™ is the card for you.
Balance Transfers and Loans
If you’re looking for financial flexibility, CIMB credit cards also offer balance transfers and loans. With the CIMB Balance Transfer, you can transfer your outstanding balances from other credit cards to your CIMB credit card and enjoy low interest rates and flexible loan tenures. And if you need an instant loan disbursement, the CIMB CashLite Personal Instalment Loan offers a low interest rate of 3.5% p.a. (EIR 6.6% p.a.) and 0% interest rate for the first 6 months.
With no annual fees for life, CIMB credit cards offer you the financial flexibility and savings you need to manage your finances effectively. So why wait? Apply for a CIMB credit card today and start enjoying the benefits!
Optimising Card Usage
As a CIMB credit card holder, you have access to a range of benefits and privileges that can help you save money and maximise your rewards. Here are some tips to help you get the most out of your card:
Smart Spending Tips
One of the most important things you can do to optimise your card usage is to spend wisely. Make sure you only use your card for purchases that you can afford to pay off in full each month. This will help you avoid interest charges and keep your credit score healthy.
Another smart spending tip is to take advantage of CIMB’s 0% i.Pay Plan. This allows you to convert large purchases into affordable monthly instalments with no interest or processing fees. This is a great option if you need to make a big purchase but don’t want to pay for it all at once.
Maximising Rewards and Cashback
CIMB credit cards offer some of the most generous rewards programmes available in Singapore, including cashback, discounts, and exclusive deals. To maximise your rewards and cashback, make sure you use your card for all your everyday spending, such as groceries, online shopping, and dining out.
The CIMB Visa Signature card is particularly good for cashback on everyday spending, offering up to 10% cashback on online shopping, groceries, beauty and wellness, pet shops and veterinary services, and cruises. Additionally, it goes beyond typical credit card offerings with no annual fees for life, and free supplementary cards.
You can also earn cashback on your online spend in foreign currencies with CIMB credit cards, which is great if you frequently shop on international websites. The CIMB Visa Infinite card offers unlimited 2% cashback on travel, overseas spending, and online spend in foreign currencies.
To make sure you don’t miss out on any rewards or cashback, sign up for CIMB Clicks Internet Banking and keep an eye on your account balance and transactions. You can also take advantage of CIMB Deals to get exclusive discounts and offers at lifestyle outlets and merchants.
Remember, to be eligible for a CIMB credit card, you must be at least 21 years old and have a minimum annual income of $30,000. You will also need to provide a copy of your NRIC, payslip, and other supporting documents as part of the application process.
Finally, it’s important to use your credit card responsibly and within your credit limit. Avoid using your card for cash advance, as this can be expensive and attract high interest rates. If you have any questions or concerns about your CIMB credit card, don’t hesitate to contact customer service for assistance.
Global Accessibility and Support
As a CIMB credit cardholder, you can enjoy global accessibility and support, making it easier for you to use your card overseas and get the help you need when you need it. Here are some of the key features of CIMB credit cards that make them an excellent choice for international use:
International Use and Services
CIMB credit cards are widely accepted overseas, making them a great choice for travellers and frequent flyers. With the Visa Infinite and World Mastercard, you can enjoy perks such as complimentary lounge access and unlimited cashback on overseas spending and online spend in foreign currencies. You can also use your CIMB credit card for retail purchases, dining, and other transactions while travelling abroad.
Customer Care and Assistance
CIMB credit cards come with excellent customer service and support, making it easy for you to get the help you need when you need it. Whether you have a question about your card, need assistance with a transaction, or want to report a lost or stolen card, CIMB’s customer service team is available 24/7 to assist you. You can also access your account information and manage your card online or through the CIMB mobile app.
CIMB credit cards also come with a range of rewards programmes, offering attractive and generous rewards programmes that make it easy to earn points and redeem them for a variety of perks and benefits. With a minimum income requirement and fixed deposit collateral, CIMB credit cards are an excellent choice for foreigners and locals alike.
In summary, CIMB credit cards offer a range of benefits and perks that make them an excellent choice for travellers, frequent flyers, and anyone who wants to enjoy the convenience and flexibility of a credit card. Whether you’re looking for a Visa Infinite, World Mastercard, or other type of credit card, CIMB has a range of options to choose from, so you can compare and find the card that best meets your needs. With CIMB credit cards, you can transit with ease, enjoy luxury goods, and get the information and support you need to make the most of your card.
Frequently Asked Questions
What are the latest promotions available for CIMB credit cardholders in Singapore?
As a CIMB credit cardholder in Singapore, you can enjoy various promotions and discounts on dining, shopping, travel, and more. Some of the latest promotions include 5% cashback on online and offline grocery purchases, 10% cashback on dining, and up to $100 cashback on new sign-ups. Keep an eye on the CIMB website or mobile app for updates on the latest promotions available to you.
How can one qualify for a CIMB credit card as a foreign national residing in Singapore?
Foreign nationals residing in Singapore can apply for a CIMB credit card if they meet the eligibility criteria, which includes a minimum annual income of $30,000 and a valid work permit or employment pass. Additionally, applicants must be at least 21 years old and have a good credit score. You can apply for a CIMB credit card online or at any CIMB branch in Singapore.
What exclusive benefits does the CIMB Visa Signature card offer to its Singaporean users?
The CIMB Visa Signature card offers exclusive benefits to its Singaporean users, including 10% cashback on travel bookings, 1-for-1 dining deals at selected restaurants, and complimentary travel insurance. Additionally, cardholders can enjoy unlimited access to selected airport lounges worldwide and exclusive discounts at luxury hotels and resorts.
Are there any complimentary airport lounge accesses provided with the CIMB World Mastercard?
Yes, CIMB World Mastercard holders can enjoy complimentary access to selected airport lounges worldwide. The card offers unlimited access to Plaza Premium Lounges in Singapore, Malaysia, Hong Kong, and London, as well as selected lounges in other countries. Cardholders must present their CIMB World Mastercard and a valid boarding pass to enjoy this benefit.
Which CIMB credit card is considered the best for maximising privileges in Singapore?
The CIMB Visa Infinite card is considered the best for maximising privileges in Singapore. The card offers unlimited 2% cashback on travel, overseas spending, and online spend in foreign currencies, as well as complimentary access to selected airport lounges worldwide. Additionally, cardholders can enjoy exclusive travel deals and privileges, making it the best card for those who travel frequently.
Is there a facility for cash withdrawals using CIMB credit cards in Singapore, and what are the charges?
Yes, CIMB credit cardholders can withdraw cash from ATMs in Singapore and overseas. However, cash withdrawals are subject to a cash advance fee of 6% of the amount withdrawn or a minimum of $15, whichever is higher. Additionally, interest will be charged on the amount withdrawn from the date of withdrawal until the date of full repayment. We recommend using your CIMB credit card for purchases rather than cash withdrawals to avoid unnecessary charges.