When you look for credit cards, you will have to consider a few factors before you take the next big step. One of the highly influencing factors is the way you spend your money. It plays a significant role in recognising the most ideal credit card for your use. 

If you are looking for a credit card that comes without annual fees, then you will need one of CIMB’s credit cards. CIMB offers the best of lowest to highest premium credit cards. In general, these credit cards are known for their cashback privileges in various categories.  

Here’s a list of top rated CIMB credit cards that will suit your needs accordingly. 

CIMB Visa Signature

The CIMB Visa Signature offers maximum cashback on your daily expenses and online shopping. This card will serve you the best for grocery shopping, pet care and other big purchases. 

If you are a working adult with the capability of spending S$800 every month on the said categories, you will be instantly rewarded with 10% cashback on all your eligible purchases. The 10% cashback rate also applies to beauty products, veterinary services, and cruises! 

You will also receive a complimentary travel insurance worth up to S$500,000 with this credit card. In addition to that, you get to enjoy the Visa Signature concierge when you travel. It will give you a premium travel experience and world class service throughout your journey. 

Annual Interest Fee and Rate

Free / 25.90%

Minimum Income Requirements

Singaporean/Permanent Resident : S$30,000

CIMB Platinum Mastercard

With the CIMB Platinum Mastercard, you can get to maximise the card’s benefits by spending more on health, traveling, home appliances and furniture. It also offers a high cashback rate of 10% on these expenses. 

The minimum spending limit is S$800 per month. But this is attainable if you use this card for dining, travelling and electronics. The 10% cashback can even be used for travels and dine-ins in foreign currency. 

Throughout the year, you will be receiving discount offers and free meals with this credit card. As a matter of fact, you will also be able to enjoy free food deliveries and up to S$30 discounts on Changi Eats. Of course, there are other eateries that you will want to dine at and your CIMB credit card will provide you the best food experiences. 

Annual Interest Fee and Rate

Free / 25.90%

Minimum Income Requirements

Singaporean/Permanent Resident : S$30,000

CIMB Visa Infinite

Calling out all frequent travellers for one of the best credit cards you could own. If you are looking for a high end credit card with more privileges, then you will love CIMB Visa Infinite. 

There are more than 1,000 airport lounges in which you could enjoy the privilege of complimentary access via CIMB Airport Companion Programme. Besides that, you will also receive a complimentary travel insurance worth S$1,000,000 and Visa Infinite concierge privileges. 

As part of the credit card perks, you will get to enjoy complimentary green fees at 108 world recognised golf clubs. You can use this benefit in 16 countries which include the United States of America, Chines, Japan, Spain and many more. 

Other benefits would be the shopping and dining discounts. There are more than 1,000 stores to get up to 50% discounts. You can also savour good meals, restaurants and hotels with the 2% unlimited cashback offers. 

Annual Interest Fee and Rate

Free / 25.90%

Minimum Income Requirements

Singaporean/Permanent Resident : S$120,000

CIMB World Mastercard

It is easy to enjoy shopping when you know you can earn other rewards as you shop. As you browse through the stores or online platforms, make sure you own the CIMB World Mastercard. You wouldn’t want to miss 1.5% unlimited retail cashback for your shopping. 

For dine-ins, entertainments, recreation, and your vehicle needs, you can earn up to 2% unlimited cashback. This benefit comes without any minimum spending limit. There are also 50% discounts on more than 1,000 stores across Singapore. 

While you shop and travel across the globe, you carry a complimentary travel insurance package deal of S$1,000,000. You will also have access to more than 1,000 airport lounges with this credit card. Plus, you will receive a 50% discount on green fees at more than 25 golf clubs around Asia. 

Annual Interest Fee and Rate

Free / 25.90%

Minimum Income Requirements

Singaporean/Permanent Resident : S$50,000

More perks of the CIMB credit cards

It is no secret that CIMB credit cards do not have annual fees charged on its users. So, you will have a hassle-free use on any credit card you apply from CIMB. But are there more privileges than the ones shared above and the waived off annual fees?

First, you need to know that you have the privilege of waiving off annual fees for up to 4 of your supplementary credit cards. This gives you an advantage of saving a few hundred Singapore dollars even before you start using the cards. 

Next, CIMB credit cards reward you discounts up to 50% at more than 1,000 stores in the island. Not just dining and shopping, but you can earn this discount for any eligible transactions made. 

And if shopping is your weakness, there are up to 15% rebates when you shop at Zalora and Expedia. For new Shopee users, you will be able to enjoy a S$7 cut from your minimum purchase of S$15. 

Choose the CIMB credit card that will help you in the long run

So far, you have seen some of the best credit cards from CIMB in Singapore. Choose the one that most suits your needs based on your monthly spending range and annual income. When chosen and used wisely, your CIMB credit card will help you save money in the long run.