Balance Conversion

Repayment Table

The below table is for illustration purpose only.

Both tenure and flat interest rate/payable facility charges offered to cardholder is as per the Bank’s discretion.

*Balance Conversion/Balance Conversion-i at 9.80% p.a.**	Monthly Payments
*Balance Conversion/Balance Conversion-i at 9.80% p.a.**	6 Months	12 Months	18 Months	24 Months	30 Months	36 Months
RM500	RM87.42	RM45.75	RM31.86	RM24.92	RM20.75	RM17.97
RM1,000	RM174.83	RM91.50	RM63.72	RM49.83	RM41.50	RM35.94
RM3,000	RM524.50	RM274.50	RM191.17	RM149.50	RM124.50	RM107.83
RM5,000	RM874.17	RM457.50	RM318.61	RM249.17	RM207.50	RM179.72

*The payable flat interest rate/payable facility charges of 9.80% p.a. is equivalent to an effective rate (“EIR”) of 16.61% p.a for 6 months, 17.62% p.a for 12 months, 17.82% p.a for 18 months, 17.81% p.a for 24 months, 17.72% p.a for 30 months, and 17.58% p.a for 36 months respectively.

EIR is the expression of the equivalent to the flat interest rate/payable facility charges quoted above using compounding and on an annualised interest/payable facility charges basis.

How to Sign Up

To apply, you may opt in via SMS request to 62886 according to the preferred tenure, as per instructions below.

For Balance Conversion

Tenure	SMS Instructions
6 months	SMS: CBC6<space>last 4 digits of credit card number
12 months	SMS: CBC12<space>last 4 digits of credit card number
18 months	SMS: CBC18<space>last 4 digits of credit card number
24 months	SMS: CBC24<space>last 4 digits of credit card number
30 months	SMS: CBC30<space>last 4 digits of credit card number
36 months	SMS: CBC36<space>last 4 digits of credit card number

For Balance Conversion-i

Tenure	SMS Instructions
6 months	SMS: SBC6<space>last 4 digits of credit card number
12 months	SMS: SBC12<space>last 4 digits of credit card number
18 months	SMS: SBC18<space>last 4 digits of credit card number
24 months	SMS: SBC24<space>last 4 digits of credit card number
30 months	SMS: SBC30<space>last 4 digits of credit card number
36 months	SMS: SBC36<space>last 4 digits of credit card number

Call us today at 03-2281 7000 (10am to 6pm, Monday to Friday*) to apply (for Balance Conversion only)

* Business hours excludes Public Holidays

Important Notes

CIMB Bank/CIMB Islamic reserves the right to approve the Balance Conversion/Balance Conversion-i at a lower amount or reject the application in its entirety at its absolute discretion.
The minimum Balance Conversion/Balance Conversion-i amount per credit card is RM500 while the maximum amount is subject to your eligible retail balances.
The Balance Conversion/Balance Conversion-i monthly payment will be reflected in your CIMB credit card statement.
Balance Conversion/Balance Conversion-i monthly payments must be paid in full by the credit card due date for each month. A late payment charge/compensation charge (Ta'widh) of 1% on the outstanding balance of the Balance Conversion/Balance Conversion-i monthly payment (subject to a minimum of RM10 and maximum of RM100) will be charged if you fail to do so. A finance charge/facility charge of 18% per annum will be imposed on any outstanding amount due and remaining unpaid to the Bank under the Balance Conversion/Balance Conversion-i facility.
No Bonus Points or cash rebates will be awarded under this programme.

Terms and Conditions

Balance Conversion

Balance Conversion Terms and Conditions (ENG)

Balance Conversion Terms and Conditions (BM)

Balance Conversion Product Disclosure Sheet (ENG)

Balance Conversion Product Disclosure Sheet (BM)

Balance Conversion-i

Balance Conversion-i Terms and Conditions (ENG)

Balance Conversion-i Terms and Conditions (BM)

Balance Conversion-i Product Disclosure Sheet (ENG)

Balance Conversion-i Product Disclosure Sheet (BM)

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BALANCE CONVERSION

Benefits & Privileges

Benefits & Privileges

Repayment Table

How to Sign Up

Important Notes

Terms and Conditions

BALANCE CONVERSION

Benefits & Privileges

Benefits & Privileges

Repayment Table

How to Sign Up

Important Notes

Terms and Conditions

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