CIMB review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
CIMB suits people who want cash back on everyday spending without an annual fee. The card runs on visa and pays Unlimited Cash Rebate, with an annual fee of MYR 0 and a debit account behind it. Credit is the deciding factor, not cost.
Key facts
- Best for
- Spending regularly and wanting cash back with no annual fee to pay.
- Annual fee
- MYR 0 (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- Unlimited Cash Rebate (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- cimb.com
Debit cards
Pros and cons
Pros
- Annual fee of MYR 0, with a no annual fee model
- cashback rewards at Unlimited Cash Rebate
- Runs on visa, the network behind 60.6%
- Available as a debit account for day to day banking
Cons
- credit means a credit check, so it is not for rebuilding a thin credit file
- Multi-currency and virtual cards are not among its features (rewards)
- visa narrows acceptance to that network
Who it suits
- People who already bank with CIMB and want the rebate on the same account
- Households that clear a credit balance each month
- Everyday spenders who would rather have cash back than points
Who should look elsewhere
- Varo Believe Secured Credit Card, where a deposit backstop suits an unproven credit file
- Chime Card, for a secured Visa credit card rather than a rebate credit card
- Bitpanda, for holding crypto on the same platform
How CIMB compares
Annual fee of €0 for anyone who wants a card alongside crypto holdings.
Frequently asked questions
What does CIMB cost to hold?+
The annual fee is MYR 0, and the model is no annual fee, so there is no yearly charge to keep the card. Among the brands on the site, CIMB ranks at 1 of 301 for annual fee, which is the joint cheapest position on that measure.
What kind of rewards does the card pay?+
The rewards are cashback, and the rate is listed as Unlimited Cash Rebate. Cashback is the most common rewards type in the cashback group, where 100% of cards use it. Spending on the card is what earns the rebate.
Is this a debit or a credit card?+
The card kind is credit, so it is a credit card and a credit check applies. The account behind it is listed as debit, which covers day to day banking. A credit card is a step up for anyone with a thin credit file.
Which network does the card run on?+
The card runs on visa, and visa is the most common network in the cashback group at 60.6%. That means acceptance is tied to that one network, which matters if you travel and pay in places where it is less widely used.
Who is this card aimed at?+
It fits people who want a cashback reward without an annual fee, and who can carry a credit balance. Business audiences make up 72.4% of the credit group, and students 20.3%, so the card sits mainly with working adults rather than students.
What is the overall score?+
The overall score is 6.4 out of ten, and the cost part is 6.4. Cost carries the same figure, which reflects an annual fee of MYR 0 against a cashback reward of Unlimited Cash Rebate.
Is there a protection scheme or regulator behind this card?+
No regulator or protection scheme is listed for CIMB, so nothing beyond the card terms themselves is on record here. The account is a debit account and the card runs on visa. Anyone weighing deposit protection should check that before applying.
Sources
- cimb.com.my/en/personal/home.html checked September 26, 2026
Backs: Annual fee, Features, Pricing model, Rewards rate, Rewards type
“CIMB Travel Platinum Credit Card - Up to 4X Airport Lounge Access complete with Travel Insurance | No Annual Fee”
- cimb.com.my/en/personal/day-to-day-banking/cards/credit-c... checked September 26, 2026
Backs: Card kind
“CIMB Cash Rebate Platinum Credit Card”
- cuelinks.com/campaigns/cimb-credit-card-affiliate-program checked September 26, 2026
Backs: Card type, Card network
“CIMB PETRONAS Visa Platinum-i Credit Card - CPL Affiliate Program”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR, Currency conversion fee.