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Cim Finance review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Cim Finance suits people in Mauritius who want a credit card that pays cashback and rewards. The catch is the annual fee of MUR 230 and an APR of 25.2%, so the rewards only work if you use the card often and clear the balance.

Key facts

Best for
Mauritian cardholders who spend at Cim merchants and pay down balances each month.
Annual fee
MUR 230 (Source, checked September 26, 2026)
APR
25.2% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
1% cashback at 800+ Cim merchants, 1 bonus point per Rs 1 spent (Source, checked September 26, 2026)
Perks
Up to 45 days interest-free credit, Rs 100 cashback on first card activation, Contactless payment and 3D Secure, Additional card for spouse or child, Discount programme at preferential partners, Repayment from 5% of the balance due (Source, checked September 26, 2026)
Cashback rate
1% (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
CIM Financial Services Ltd (Source, checked September 26, 2026)
Headquarters
Mauritius (Source, checked September 26, 2026)
Founded
1987 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Features
Rewards
Official website
cimfinance.mu

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Cashback of 1% at Cim merchants, plus a bonus point for each rupee spent
  • Interest-free credit and a cashback bonus on activation both appear in the card's perks (Up to 45 days interest free credit, Rs 100 cashback on first card activation and Contactless payment and 3D Secure)
  • Annual fee of MUR 230 is well under the cashback ranking maximum of €167.70
  • Repayment from a small share of the balance due, with contactless payment and discounts at preferential partners (Up to 45 days interest free credit, Rs 100 cashback on first card activation and Contactless payment and 3D Secure)

Cons

  • APR of 25.2% is above the cashback card median of 21.39%
  • Cashback of 1% is concentrated at Cim merchants, so spending elsewhere earns less
Cim Finance

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Scored 9.0 / 10 by DebitCue.

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Who it suits

  • People in Mauritius who bank with Cim and want a rewards credit card
  • Households wanting an additional card for a spouse or child
  • Shoppers who already buy at Cim merchants and can clear the balance each month

Who should look elsewhere

  • Anyone rebuilding a credit history, for whom the Varo Believe Secured Credit Card fits, with an annual fee of $0
  • People who want no annual fee, which the Chime Card (Secured Visa Credit Card) offers at $0
  • Shoppers who want flat rewards with no merchant network, where Bitpanda is the plainer option

Fees and FX

The CIM Classic Card charges an annual fee of MUR 230 each year, plus interest at an APR of 25.2% on any balance you do not clear. The two costs work differently: the fee buys the card and its rewards, while the rate only applies to money you carry from statement to statement. Clear the balance each month and the rate never bites, but the fee still has to be worth your spending.

The company behind it

Cim Finance is issued by CIM Financial Services Ltd, based in Mauritius and founded in 1987. The card sits under the supervision of the Financial Services Commission (FSC), Mauritius, so the lender operates inside a regulated local system rather than outside it. Support runs on phone, email and help centre, which gives you phone, email and help centre routes when a payment or a balance needs checking.

How Cim Finance compares

Where Cim Finance is available

Available
Mauritius
Licence in Mauritius
Financial Services Commission (FSC), Mauritius, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Cim Finance card cost each year?+

The CIM Classic Card has an annual fee of MUR 230. That is a real running cost, so the cashback of 1% has to be earned back through spending at Cim merchants and partner discounts before the card covers itself. Anyone who rarely uses it is paying for a facility they barely touch.

What interest applies if I carry a balance?+

The APR is 25.2%, and it applies to a balance you do not clear. The card's perk list (Up to 45 days interest free credit, Rs 100 cashback on first card activation and Contactless payment and 3D Secure) includes an interest-free credit window, which gives breathing room before interest starts, so timing your repayments can keep the rate from ever applying to you.

What do I earn for spending?+

Rewards are cashback of 1% at Cim merchants, alongside a bonus point for each rupee spent. The rewards type is cashback, which suits shoppers who already use Cim stores. Spend away from that network and the headline rate does not apply, so the card's value depends on where you shop.

Is Cim Finance regulated?+

Yes. The lender is CIM Financial Services Ltd, based in Mauritius and founded in 1987, and it is supervised by the Financial Services Commission (FSC), Mauritius. A local regulator means the account sits inside a supervised system, with rules on how balances and repayments are handled.

How do I pay off the balance?+

The perk list (Up to 45 days interest free credit, Rs 100 cashback on first card activation and Contactless payment and 3D Secure) sets repayment from a small share of the balance due, so clearing the card in steps is possible rather than all at once. Paired with the interest-free credit window, that gives room to plan payments around salary cycles and keeps a carried balance from growing unchecked.

How do I reach support?+

Support runs on phone, email and help centre, so phone, email and a help centre are listed for cardholders. Phone is the practical route for anything urgent such as a disputed transaction or a lost card, while email suits questions that need a written record of the answer.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee.

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