As part of CIMB Group, one of ASEAN’s leading banks, CIMB Niaga has continuously innovated to offer superior financial products.
What you need to know about this credit card:
- Minimum income requirement: With a minimum monthly income of Rp 7.5 million, this card is tailored for the financially savvy.
- Age requirement: Primary cardholders must be aged between 21 and 65 years, while supplementary cardholders can be 17 to 70 years old.
- Annual Fee: Enjoy a lifetime annual fee waiver, ensuring no hidden costs eat into your finances.
- Interest Rates on Installments: Convert retail transactions into a fixed installment plan at low interest rates over 3, 6, or 12 months.
Pros:
- Lifetime Annual Fee Waiver: Enjoy zero annual fees for life, maximizing your savings.
- Flexible Installment Plans: Spread the cost of large purchases with easy-to-manage installments.
- Reward Points on Every Purchase: Earn 100 Xtra Points for every Rp 50,000 spent on retail transactions.
- Comprehensive Insurance Coverage: Automatic access to Purchase Protection and Travel Insurance.
- Global Emergency Assistance: 24/7 support through MasterCard Global Services for lost/stolen card reporting and emergency cash advance.
Cons:
- Exclusions on Reward Points: Points not awarded on QR scan transactions, cash advances, and certain other transactions.
- Income Requirement: Higher income threshold, which might not be suitable for all potential users.
Why Choose CIMB Niaga for Your Credit Card?
Compared to Bank Mandiri’s Gold Credit Card, CIMB Niaga offers a broader range of installment plans, allowing for greater flexibility.
Unlike BCA Premium Card, which has a high joining fee, CIMB Niaga MasterCard Platinum waives the annual fee for life.
BRI’s Platinum Card does not provide the same level of comprehensive travel insurance as offered by CIMB Niaga.
CIMB Niaga offers more competitive point accrual—earning you more rewards per transaction than the OCBC NISP Platinum Card.
Relative to Maybank’s Platinum Card, CIMB Niaga provides more robust global emergency support making it ideal for frequent travelers.
CIMB Niaga MasterCard Platinum: Let’s Get to Know It a Little Better
How to Apply for Your CIMB Niaga MasterCard Platinum
Looking to enhance your financial life with exclusive benefits?
Click below to apply for your CIMB Niaga MasterCard Platinum today and start enjoying a world of luxury and perks!