PETRONAS Visa Infinite-i Credit Card

What makes this card Islamic

CIMB Islamic builds this card on a Tawarruq contract. The bank sells you a commodity on credit at a marked-up price, you sell that commodity to somebody else for cash, and the cash becomes your spending limit.

Commodity Murabahah (Tawarruq), per the CIMB Islamic Bank Credit Card Product Disclosure Sheet dated 1 January 2026. MIGRATION — DATED AND CONFIRMED: ran on UJRAH until 31 December 2025; converted to TAWARRUQ effective 1 JANUARY 2026 under CIMB's Important Notice dated 21 November 2025 (Update dated 31 December 2025); CIMB states the transition is 'closely guided and monitored by Bank Negara Malaysia (BNM)'. No cardholder action required; continued use deemed agreement. No evidence of Bai' al-Inah was found for CIMB Islamic.

Approved by CIMB Islamic Bank Berhad Shariah Committee, under the supervision of Bank Negara Malaysia.

What it costs

Every figure below comes from CIMB Islamic’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

No annual feeWaived outright; no spend condition stated.source

Supplementary card

RM 0Supplementary Card - Waived.source

Profit rate

15% a yearCEILING PROFIT RATE = 18% p.a. over a 5-year tenure (Total Profit = Bank's Purchase Price x 18% x 5 years; Bank's Purchase Price = Approved Credit Limit + 50%). EFFECTIVE PROFIT RATE tiered on retail transactions: 15% (prompt payments for 12 consecutive months), 17% (prompt payment for 10 months or more in the last 12), 18% (otherwise). Cash advances 18% p.a. on daily rest. Ibra' is the difference between Total Profit at the Ceiling Profit Rate and profit charged at the Effective Profit Rate. Recorded value is the best case (15%); worst case 18%. No monthly rate is published.source

Cash withdrawal

Cash Advance Fee waived until further notice. PLUS / CIRRUS ATM withdrawal or account enquiry RM2 each.

Late payment

RM 10Ta'widh: actual cost up to 1% on the unpaid balance, minimum RM10, maximum RM100.

Foreign currency spend

1% on top of the exchange rate

Replacement card

RM 10

Takaful cover

Travel takaful up to RM300,000, automatic when the airline ticket is paid in full with the card: death and permanent disablement RM300,000; overseas medical expenses up to RM50,000; trip cancellation up to RM25,000; trip curtailment up to RM25,000; loss of personal money and travel documents up to RM10,000.

What you get back

• PETRONAS service stations and Setel (MCC 5541, 5542, 6540): 6% cash rebate when monthly statement balance is RM1,500 to RM3,999; 12% when statement balance is RM4,000 and above. Capped at RM60 per month.
• Groceries (MCC 5411, 5422, 5451), Dining (MCC 5811, 5812, 5813, 5814, 5921) and Cashless Parking (MCC 7523): 3% when statement balance is RM1,500 to RM3,999; 6% when statement balance is RM4,000 and above. Capped at RM60 per month across these three categories combined.
• Overseas (retail spend in a currency other than Ringgit Malaysia, or falling under Dynamic Currency Conversion): 1% cash rebate at both statement balance tiers, unlimited — product page states this applies for statement balance RM1,500 and above.
• Headline annual maximum: 'Up to RM1,440 Cash Rebate Annually' (RM120 per month across the two capped buckets).

Other benefits

• Up to 12% cash rebate on PETRONAS, Setel and PETRONAS EV charging spend
• Up to 6% cash rebate on groceries, dining and cashless parking
• Unlimited 1% cash rebate on overseas spend for statement balance RM1,500 and above
• Complimentary 4X Plaza Premium airport lounge access per calendar year
• Travel takaful up to RM300,000 when the airline ticket is paid in full with the card
• 12X Sky Lounge and Sky Lounge Xpress access at SkyPark Terminal, Subang Airport, on minimum RM2,000 spend in the same calendar month (valid 1 February 2026 to 31 January 2027)
• Up to RM68 cash back at Flight Club Airport Dining outlets on minimum RM2,000 monthly spend (valid 1 February 2026 to 31 January 2027)
• 0% Easy Pay for up to 24 months at selected Proton and Perodua service centres
• No annual fee on principal or supplementary cards

Before you apply

• The headline 12% rate requires a monthly statement balance of RM4,000 or above. Between RM1,500 and RM3,999 it halves to 6%; the T&C publishes no rate for a statement balance below RM1,500.
• Statement Balance is defined to include balances carried forward from the previous month, so the qualifying threshold rewards carrying a balance — on which the 15% to 18% p.a. effective profit rate would then accrue.
• The RM60 monthly fuel cap means the 12% rate is exhausted at RM500 of PETRONAS spend.
• Several headline perks (Sky Lounge access, Flight Club dining cash back) are time-boxed campaigns running only to 31 January 2027, not permanent card features.
• Government service tax of RM25 is imposed on each new principal AND each supplementary card upon activation and annual renewal.
• Overseas transactions carry a 1% administrative cost plus any network transaction fee — which materially offsets the 1% overseas cash rebate.
• Card replacement costs RM50 from the second replacement onwards.

Can you get it?

Age

21 and over

Other conditions

Bank states an ANNUAL income figure: 'Minimum Annual Income: RM120,000 per annum', with a 'Lower income requirement of RM60,000 per annum for CIMB@Work customers.' CIMB@Work Expatriate customers with monthly gross salary of RM15,000 and above get a waiver of the Fixed Deposit/-i pledge. Applicants aged at least 21 who cannot prove annual income must pledge a Fixed Deposit-i equal to the credit limit. No maximum age is published.

Where these figures come from

Last checked against CIMB Islamic’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• “Eligible Spend Category / Statement Balance* / Monthly Capping — RM1,500 – RM3,999 | RM4,000 & above. PETRONAS service stations ("PETRONAS") and Setel: 6% | 12% | RM60. Groceries, Dining, Parking: 3% | 6% | RM60. Overseas: 1% | 1% | Unlimited. — CIMB PETRONAS Visa Infinite-i Credit Card Terms and Conditions, Version: 18 September 2024, cl.3(a)”
• “Overseas ("Overseas") refers to retail transactions made in currency other than Ringgit Malaysia (RM) or falls under Dynamic Currency Conversion ("DCC") — CIMB PETRONAS Visa Infinite-i Credit Card Terms and Conditions, cl.4”
• “Minimum Annual Income: RM120,000 per annum — CIMB PETRONAS Visa Infinite-i Credit Card product page, Eligibility & Requirements”
• “Lower income requirement of RM60,000 per annum for CIMB@Work customers. — CIMB PETRONAS Visa Infinite-i Credit Card product page, Eligibility & Requirements”
• “Up to RM1,440 Cash Rebate Annually. — CIMB PETRONAS Visa Infinite-i Credit Card product page”
• “Travel Worry-Free with up to RM300,000 Travel Takaful Coverage. Automatic protection when you pay your airline ticket in full with your credit card. Death & Permanent disablement – RM300,000; Overseas Medical Expenses – up to RM50,000; Trip Cancellation – up to RM25,000; Trip Curtailment – up to RM25,000; Loss of Personal Money & Travel Documents – Up to RM10,000 — CIMB PETRONAS Visa Infinite-i Credit Card product page”
• “Complimentary 4X Airport Lounge Access per Calendar Year — CIMB PETRONAS Visa Infinite-i Credit Card product page”
• “Annual Fee (RM): CIMB PETRONAS Visa Infinite-i Credit Card — Principal Card WAIVED, Supplementary Card WAIVED — CIMB Islamic Bank Credit Card Product Disclosure Sheet, 1 January 2026, s.4”
• “Effective 1 January 2026, the Shariah concept for all CIMB Islamic Bank Credit Cards and the related services which are currently under the Ujrah concept will be converted to the Tawarruq concept. — CIMB PETRONAS Visa Infinite-i Credit Card product page banner”

• Product page
• Schedule of charges
• Terms and conditions