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CIMB VISA INFINITE EXTRA BONUS POINTS CAMPAIGN

More points, more holidays!

Campaign Period: 10 May 2024 - 30 April 2025. T&C apply.

Find out more
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Benefits & Privileges

Financial Flexibility
Financial Flexibility
CIMB Deals

Get Financial Flexibility

Don't worry about making that purchases you have always wanted. Convert your big purchases into affordable monthly installment with Flexi Payment Plan/Flexi Payment Plan-i.

 

  • Flexible monthly payments from 6, 12 or 24 months
  • Fixed monthly payments
  • No supporting documents required and zero processing fee

How does it work?

Step 1

Charge RM500 or more in a single retail transaction with your CIMB Credit Card

Step 2
  1. Receive an SMS offer from CIMB to convert the transaction; or
  2. Login to CIMB OCTO App. Click on More > Cards > Flexi Payment Plan
Step 3

To apply FPP/-i, you may:

  1. Reply to the SMS offer sent by CIMB; or
  2. In CIMB OCTO App, under Flexi Payment Plan menu,
    • Select your desired transactions for conversion (up to 5 transactions in one application)
    • Select your preferred tenure
    • Review and agree to T&C and Declaration
    • Confirm the submission and you're done

Repayment Table

 

The below table is for illustration purpose only. Actual flat interest rate/ payable facility charges and tenure offered to cardholder will be indicated in the SMS offer sent by CIMB Bank/ CIMB Islamic Bank or shown in CIMB OCTO App.

 

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

Flexi Payment Plan/Flexi Payment Plan-i at 9.88%* p.a.  Monthly Payments
6 Months 12 Months 24 Months
RM500

RM87.45

RM45.78

RM24.95 

RM1,000

RM174.90

RM91.57

RM49.90 

RM2,000

RM349.80

RM183.13

RM99.80

RM3,000

RM524.70

RM274.70

RM149.70

* The payable flat interest rate/payable facility charges of 9.88% p.a. is equivalent to an effective interest rate/effective rate of 16.74% p.a. for 6 months, 17.76% p.a. for 12 months, and 17.95% p.a. for 24 months respectively. 

 

The effective interest rate/effective rate is calculated on monthly reducing balance basis on the outstanding principal amount.

Important Notes

  • CIMB Bank/ CIMB Islamic Bank reserves the right to approve the Flexi Payment Plan/ Flexi Payment Plan-i or reject the application in its entirety at its absolute discretion.
  • The minimum Flexi Payment Plan/ Flexi Payment Plan-i amount is RM500 converted from each retail transaction while the maximum amount is subject to your outstanding retail balances and available credit card limit.
  • The Flexi Payment Plan/ Flexi Payment Plan-i monthly payment will be reflected in your CIMB credit card statement.
  • Flexi Payment Plan/ Flexi Payment Plan-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 Flexi Payment Plan/ Flexi Payment Plan-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 Flexi Payment Plan/ Flexi Payment Plan-i facility.
  • No Bonus Points or cash rebates will be awarded under this programme.
  • Cardholders of CIMB Platinum Business Card and CIMB Partner Card (issued to partner's company agent) are not eligible to participate in the programmes. 

Terms and Conditions

Flexi Payment Plan

Flexi Payment Plan Terms and Conditions (ENG)
Flexi Payment Plan Terms and Conditions (BM)
Flexi Payment Plan Product Disclosure Sheet (ENG)
Flexi Payment Plan Product Disclosure Sheet (BM)

Flexi Payment Plan-i

Flexi Payment Plan-i Terms and Conditions (ENG)
Flexi Payment Plan-i Terms and Conditions (BM)
Flexi Payment Plan-i Product Disclosure Sheet (ENG)
Flexi Payment Plan-i Product Disclosure Sheet (BM)