6 Best CIMB Travel Credit Cards in Malaysia (2026 Guide): Which Should You Pick?

CIMB Malaysia¹ is a popular bank which offers a comprehensive range of conventional and Islamic credit cards. If you’re a frequent flyer or love to travel, getting a CIMB travel credit card² can unlock great rewards as you spend, while offering ways to split the costs of your trips over a few months.

This guide walks through some of the best credit cards for travel offered by CIMB Malaysia, including premium picks like the CIMB Travel World Elite credit card and more accessible options such as the CIMB Visa Signature. We’ll compare each side by side before looking in more detail at features, fees, and perks. Plus we’ll introduce the Wise card as a smart addition to your travel credit card.

The Wise card is a debit card rather than a credit card and offers simple, low-cost overseas spending which cuts out foreign transaction fees. More on that later.

Table of contents
Top CIMB Travel Cards At a Glance Which CIMB Travel Card is Right for You? Miles & Rewards: Maximising Your Enrich Points Airport Lounge Access & Travel Perks Pairing CIMB with Wise for Maximum Savings Frequently Asked Questions

Quick comparison: which CIMB Card suits your journey?

• CIMB Travel World Elite³: The Luxury Pick. Premium card with up to 10X Bonus Points and zero FX markups on overseas spend.
• CIMB Travel World⁴: The Mid-Tier Champion. High-speed miles earning (up to 8X Bonus Points) and 12X shared airport lounge visits.
• CIMB Travel Platinum⁵: The Accessible Entry. No annual fees for life and 4 annual lounge entries with an entry-level income requirement.
• CIMB Visa Infinite⁶: The Dining Specialist. Earn 5X Bonus Points on dining and overseas spend with ways to boost earnings with monthly bonus points.
• CIMB Preferred Visa Infinite-i⁷: The Shariah-Compliant Choice. Premium Islamic card with up to 8X rewards on select spend categories.
• CIMB Visa Signature⁸: The Daily Companion. 2X points for overseas spend, 2 international lounge, and 12 annual Subang Sky Lounge entries with no annual fees.

Top CIMB travel credit cards at a glance

To help you get a quick feel for which CIMB travel credit card suits you best, here’s a side-by-side comparison of the top cards to consider.

Card	Min. Income (p.a.)	Lounge Access	Annual Fee	Foreign Transaction Fee⁹
CIMB Travel World Elite	250,000 MYR	12 annual lounge visits, plus 12 annual Sky Lounge access at SkyPark Terminal, Subang Airport	1,215.09 MYR	No foreign transaction fee from CIMB Network fees may apply
CIMB Travel World Card	100,000 MYR	12 annual lounge visits, plus 12 annual Sky Lounge access at SkyPark Terminal, Subang Airport	554.72 MYR	1% plus any transaction fee charged by the network
CIMB Travel Platinum Card	24,000 MYR	4 annual lounge visits, plus 12 annual Sky Lounge access at SkyPark Terminal, Subang Airport	No annual fee	1% plus any transaction fee charged by the network
CIMB Visa Infinite Card	60,000 MYR	5 annual lounge visits, plus 12 annual Sky Lounge access at SkyPark Terminal, Subang Airport	No annual fee	1% plus any transaction fee charged by the network
CIMB Preferred Visa Infinite-i	Preferred customers only - requirements include 250,000 MYR or more in deposits, investment or similar	8 annual lounge visits, plus 12 annual Sky Lounge access at SkyPark Terminal, Subang Airport	No annual fee	1% plus any transaction fee charged by the network
CIMB Visa Signature Card	36,000 MYR	2 annual lounge visits (only renewed by a minimum online spend of 36,000 MYR), plus 12 annual Sky Lounge access at SkyPark Terminal, Subang Airport	No annual fee	1% plus any transaction fee charged by the network

*Details correct at time of writing - 20th January 2026, 15:39 UTC

Of course, if you’re looking for the best credit cards for travel, there are other options aside from CIMB which are also worth comparing.

As well as looking at other major banks, remember to consider alternatives such as the Wise card, which gets you the mid-market rate for currency conversion with no foreign transaction fee to pay.

That can help your money go further when you travel, no matter where you’re heading.

Deep dive: which CIMB travel card is right for you?

If you’re thinking of a Malaysian credit card with airport lounge access, the CIMB Travel World Elite with 12 annual lounge entries may be a hot pick.

However, annual fees and eligibility requirements are high. So if you prefer simplicity an alternative like the CIMB Visa Infinite can be a strong contender instead.

Let’s dive right into the CIMB travel credit card options one by one so you can decide which is the best choice for your unique needs.

CIMB Travel World Elite: The ultimate luxury experience

The CIMB Travel World Elite has a high minimum income of 250,000 MYR and a high annual fee - but rewards card holders with very high point earning opportunities and luxury perks.

• Annual fee: 1,215.09 MYR, waived with 250,000 MYR annual spend
• Reward earning opportunity: 10X points on overseas, airlines and duty free, 2X on other local spend, 1X on local education, insurance and utilities
• Lounge access: 12 annual lounge visits, plus 12 annual Sky Lounge access at SkyPark Terminal, Subang Airport
• Other perks: Vacation booking perks

CIMB Travel World Card: The frequent flyer’s workhorse

The CIMB Travel World Card is a more accessible card for frequent flyers earning 100,000 MYR or more. Get great rewards and travel perks like lounge access thrown in.

• Annual fee: 554.72 MYR, waived with annual spending of 120,000 MYR or more
• Reward earning opportunity: 8X points on overseas, airlines and duty free, 2X on other local spend, 1X on local education, insurance and utilities
• Lounge access: 2 annual lounge visits, plus 12 annual Sky Lounge access at SkyPark Terminal, Subang Airport
• Other perks: Vacation booking perks

CIMB Travel Platinum Card: Best for accessible travel

With a relatively low minimum income of 24,000 MYR, and no annual fee the CIMB Travel Platinum Card is a solid all round choice for lifestyle perks and travel reward earning up to 5X.

• Annual fee: No annual fee
• Reward earning opportunity: 5X points on overseas, airlines and duty free, 2X on other local spend, 1X on local education, insurance and utilities
• Lounge access: 4 annual lounge visits, plus 12 annual Sky Lounge access at SkyPark Terminal, Subang Airport
• Other perks: Promotions including discounted rides to the airport with Grab. T&Cs apply.

CIMB Visa Infinite Card: Earn as you eat and while you travel

If you use your card to dine and when you travel abroad, the CIMB Visa Infinite Card could be a good selection with up to 5X rewards you can redeem as you choose.

• Annual fee: No annual fee
• Reward earning opportunity: 5X rewards on overseas and dining spend, 1X on other local spend
• Lounge access: 5 annual lounge visits, plus 12 annual Sky Lounge access at SkyPark Terminal, Subang Airport
• Other perks: Changing CIMB perks available depending on live promotion at time of application

CIMB Preferred Visa Infinite-i: Premium Islamic card for top tier rewards

The CIMB Preferred Visa Infinite-i is available for CIMB Preferred customers only. To sign up for the Preferred program requirements include 250,000 MYR or more in deposits, investment or Bancassurance/ Bancatakaful¹⁰.

• Annual fee: No annual fee
• Reward earning opportunity: 8X rewards for Zakat or Sadaqah / charity payment, dining and overseas spend, 1X on other local spend
• Lounge access: 8 annual lounge visits
• Other perks: Extra bonus rewards available monthly

CIMB Visa Signature Card: Top pick for frequent flyers from Subang Airport

Our final pick is the CIMB Visa Signature Card which is an accessible card with lounge access at Subang Airport as well as some other travel perks including 2X rewards when you’re abroad.

• Annual fee: No annual fee
• Reward earning opportunity: 2X rewards for overseas spending, 1X for local spend
• Lounge access: 2 annual lounge visits, plus 12 annual Sky Lounge access at SkyPark Terminal, Subang Airport
• Other perks: Cashback on in-flight wifi purchases

Miles and rewards: Maximising your enrich points

Enrich points are offered as part of Malaysia Airlines' loyalty program. If you travel often you might choose a card that lets you convert CIMB credit card points to Enrich Miles so you can claim flight upgrades, discounts and other perks more quickly.

If you’d like to convert your CIMB rewards to Enrich Miles you can do so at a rate of 62,500 CIMB rewards for 5,000 Enrich Miles¹¹.

Best CIMB cards for earning Enrich points

To convert your reward points to Enrich points, you’ll first need to accumulate 62,500 points or more.

The highest earning card is the CIMB Travel World Elite with up to 10X points per ringgit, but all the cards we have profiled in this guide have some options to earn and redeem points as you spend.

For a more accessible card, consider the CIMB Visa Infinite Card, which has no annual fee and 5X earning on some spending categories.

Airport lounge access and travel perks

All of the cards we’ve covered in this guide offer Sky Lounge access at SkyPark Terminal, Sultan Abdul Aziz Shah Airport (Subang Airport).

Cards also offer a pre-arranged number of visits to 150+ selected Plaza Premium First & Plaza Premium Lounges which are located at airports in Malaysia and worldwide.

Check out the Smart Traveller app, where you can manually add your CIMB card details to get digital access to airport lounges and to learn more about booking.

The travel hack: pairing CIMB with Wise for maximum savings

Looking to earn rewards while not spending more than you need to on fees?

Use CIMB for access to airport lounges, then the Wise card for shopping in Tokyo or having a meal at a café in Australia to save on foreign exchange markups.

Credit cards can offer some great perks and benefits, but they’re not always the right choice for overseas spending due to foreign transaction and admin fees.

Instead, use your CIMB travel credit card for earning points at home, and then get the mid-market rate when you spend with Wise overseas. In fact, Wise has no foreign transaction fee that you need to worry about.

Wise also helps you avoid the fees associated with DCC (Dynamic Currency Conversion).

But what is DCC, you may ask? Well, it’s a way for merchants to charge you inflated exchange rates. What you can do is choose to pay in the local currency to keep your hidden costs at zero.

How Wise helps you with that is to automatically choose the correct currency for the country you’re in, with the best possible rate and lowest Wise conversion fee, every time.

👀 With Wise you can spend and convert your money at the rate you usually see on Google, with low, transparent fees that are presented upfront.

Start saving with the Wise card today

The Wise card is a simple and cheap way to make online payments in 40+ currencies. All you need to do is to sign up for a free Wise account and top-up in MYR to get started. You'll be able to order up to 3 free virtual Wise cards with unique card details, so you can make convenient and secure online payments whenever you need. Manage, freeze, and delete your virtual cards using the handy Wise app.

Choose to spend directly in MYR and let Wise's auto conversion do the trick, or convert to your desired currency in advance. Either way, you’ll get the mid-market rate, with low, transparent fees from 0.77%.

💳 Get your Wise card today

Frequently asked questions

What is the minimum salary for a CIMB travel credit card?

The minimum salary for a CIMB travel credit card varies from 24,000 MYR for the CIMB Travel Platinum Card, right up to 240,000 MYR for a premium CIMB Travel World Elite card.

Do CIMB travel credit cards have an annual fee?

The CIMB Travel World Elite card and the CIMB Travel World card both have annual fees, but the other cards featured in this guide have this charge waived for cardholders.

What CIMB travel credit card is best for beginners?

An accessible CIMB travel credit card with a low minimum income requirement can be a good choice for beginners - check out options like the CIMB Travel Platinum Card as a starting point.

Is getting a CIMB travel credit card worth it?

Before getting a CIMB travel credit card, weigh up the full range of fees you might need to pay including foreign transaction fees, interest and penalties, against the possible benefits and rewards. Often pairing a travel credit card with a Wise card for overseas use is a winning combination.

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Sources:

1. CIMB Malaysia
2. CIMB Travel Credit Cards
3. CIMB Travel World Elite
4. CIMB Travel World Card
5. CIMB Travel Platinum Card
6. CIMB Visa Infinite Card
7. CIMB Preferred Visa Infinite-i
8. CIMB Visa Signature Card
9. CIMB credit card fees
10. CIMB Preferred
11. CIMB member rewards

Sources checked on 20/01/2026