Preferred 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)'. Named explicitly in CIMB's conversion FAQ as one of the four covered cards. 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: 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

• 8X Bonus Points when you perform Zakat or Sadaqah / charity payment
• 8X Bonus Points when you dine or shop overseas
• 1X Bonus Points for other local spend
• 8X Bonus Points rate is conditional on maintaining a minimum RM250,000 Asset Under Management balance at all times
• Up to 35,000 extra Bonus Points monthly under a campaign valid from 1 October 2025 until 30 September 2026
• Bonus Points convertible to air miles with 12 airline partners, or redeemable for hotel stays, or usable as Pay with Bonus Points

Other benefits

• 8X airport lounge visits per year to 150+ selected Plaza Premium First and Plaza Premium Lounges worldwide, capped at 4X visits per half-year and shared between the CIMB Preferred client and their Member Assignee
• Bonus Points convertible into flights with 12 airline partners
• Travel takaful up to RM300,000
• Up to RM80 cash back on in-flight WiFi purchases
• 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
• Visa Concierge global privileges
• Preferential foreign exchange rates at CIMB Bank Currency Exchange booths in Malaysia
• Card made from 82% biodegradable polylactic acid (PLA) material, removing more than 80% of PVC
• No annual fee on principal or supplementary cards

Before you apply

• Invitation-gated: 'Preferred Clients Only'. You cannot apply on income alone — you must first qualify for CIMB Preferred Status via RM250,000 AUM or a RM1,000,000 property financing facility.
• The 8X Bonus Points rate is not unconditional — it requires maintaining minimum RM250,000 AUM at all times; fall below and the earn rate is at risk.
• The headline 'up to 35,000 Extra Bonus Points Monthly' is a campaign valid only from 1 October 2025 to 30 September 2026, not a permanent card feature.
• The 8X lounge visits are shared between the principal Preferred client and their Member Assignee and are sub-capped at 4X per half-year — unused first-half visits do not roll over.
• 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.
• Card replacement costs RM50 from the second replacement onwards.

Can you get it?

Age

21 and over

Other conditions

The product page states eligibility only as 'Preferred Clients Only' — CIMB publishes NO income figure for this card. Eligibility is therefore governed by CIMB Preferred Status (CPS), whose own Terms and Conditions require 'a minimum AUM of Ringgit Malaysia Two Hundred Fifty Thousand (RM250,000.00) at all times; OR ... A minimum individual loan/financing (Housing Loan/Home Financing/Business Premises Loan/Financing) of Ringgit Malaysia One Million (RM1,000,000.00) with the Bank for the first twelve (12) months'. AUM is defined as deposits and/or investments and/or bancassurance/bancatakaful with the Bank and/or CIMB Islamic. The 8X Bonus Points rate additionally requires maintaining a minimum RM250,000 AUM balance at all times. 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.

• “8X Bonus Points on Local Dining, Overseas Spend, Zakat or Charity Payment when you maintain minimum RM250,000 Asset Under Management balance at all times — CIMB Preferred Visa Infinite-i Credit Card product page”
• “8X Bonus Points when you perform Zakat or Sadaqah / charity payment. 8X Bonus Points when you dine or shop overseas. 1X Bonus Points for other local spend. — CIMB Preferred Visa Infinite-i Credit Card product page”
• “8X Access to 150+ selected Plaza Premium First & Plaza Premium Lounges — 8X lounge visits per year, capped at 4X visits per half-year. The access is shared between the CIMB Preferred client and their Member Assignee. — CIMB Preferred Visa Infinite-i Credit Card product page”
• “Spend & Earn up to 35,000 Extra Monthly Bonus Points* and fly Business Class on us with our 12 Airline Partners. *Valid from 1 October 2025 until 30 September 2026. Terms and Conditions apply. — CIMB Preferred Visa Infinite-i Credit Card product page”
• “Eligibility & Requirements — Preferred Clients Only — CIMB Preferred Visa Infinite-i Credit Card product page”
• “2.1.2 CIMB Preferred Status (CPS) (i) Deposit and/or Investment and/or Bancassurance/Bancatakaful: A minimum AUM of Ringgit Malaysia Two Hundred Fifty Thousand (RM250,000.00) at all times — CIMB Preferred Terms and Conditions (October 2025), cl.2.1.2”
• “Annual Fee (RM): CIMB Preferred Visa Infinite-i — Principal Card WAIVED, Supplementary Card WAIVED — CIMB Islamic Bank Credit Card Product Disclosure Sheet, 1 January 2026, s.4”
• “Card is made from 82% bio-degradable polyactic acid (PLA) material — CIMB Preferred Visa Infinite-i Credit Card product page”
• “Yes. All CIMB Islamic Credit Card-i will be covered under this conversion: ... CIMB Preferred Visa Infinite-i — Conversion of Shariah Concept FAQ, Q3”

• Product page
• Schedule of charges
• Terms and conditions