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More points, more holidays!

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

cimb-visa-infinite-extra-bonus-points-campaign

Benefits & Privileges

Financial Flexibility CIMB Deals
Financial Flexibility
CIMB Deals

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.