CIMB credit cards in Singapore share one feature: no annual fee, for principal and supplementary cards, for as long as you hold them. All four main cards pay cashback, from 1% on the entry card to a headline 10% on the CIMB Visa Signature.
The headline rates come with minimum spend rules, such as S$800 a month on the Visa Signature, and tight category caps, so what you actually receive depends on how your spending is spread. Details are from CIMB’s own pages, as at November 2026.
How We Put This Page Together
Every figure is taken from CIMB Singapore’s card pages, cashback programme terms and fees page. We cover the four cards CIMB lists as free for life and markets to individuals. We leave out its instalment and fee-based cards.
We do not quote sign-up gifts, which change often. We are not paid by CIMB or any other issuer, and this page does not rank the cards.
CIMB Credit Cards Compared
| Card | What it earns | Cap | Minimum spend | Annual fee | Minimum income |
|---|---|---|---|---|---|
| CIMB Visa Signature | 10% on online shopping, groceries, beauty and wellness, pet shops and vets, cruises; 0.2% other | $100 a month, $20 a category | $800 a month | None | $30,000 |
| CIMB World Mastercard | 2% on dining, movies and digital entertainment, taxis and automobile, luxury goods; 1% other | None | $1,000 a month for 2%; $500 a month for 1% on other spend | None | $30,000 |
| CIMB Visa Infinite | 2% on overseas, foreign currency and travel spend; 1% other | None | $2,000 a month for 2% | None | $120,000 |
| CIMB AWSM | 1% on dining and entertainment, online shopping, telco | None | None | None | $18,000 under age 35 |
All four are cashback cards. CIMB’s pages state eligibility for Singaporeans, permanent residents and, on the first three cards, Malaysians. Principal cardholders on those three must be aged 21 to 70.
What Each Card Does, and Who It Does Not Suit
CIMB Visa Signature. The 10% is made up of 0.2% base cashback plus 9.8% extra once $800 is posted in the statement month. The $20 cap per category means only the first $200 in each category earns 10%. To collect the full $100 you would need $200 in each of all five categories, including cruises and pet care. Online shopping is defined by merchant type: clothing, shoes, bags, electronics and department stores, plus named sites such as Amazon and Shopee. It does not suit a household that spends below $800 a month or mainly in one category.
CIMB World Mastercard. Neither rate is capped. The 2% rate on the listed categories needs $1,000 of retail spend in the month. Below that, those categories earn 1%. Other spending earns 1% only if at least $500 is posted in the month. Dining excludes restaurants inside hotels, and food delivery counts only at listed merchants. It does not suit light users who spend under $500 a month.
CIMB Visa Infinite. Everyone gets 1% on retail spend with no minimum. The extra 1% applies to overseas, foreign currency and travel-related transactions in months with at least $2,000 posted. It does not suit applicants below the $120,000 income requirement, though CIMB accepts a fixed deposit of at least $50,000 as collateral instead.
CIMB AWSM. An entry card paying 1% in three categories with no minimum spend. It accepts students and full-time national servicemen aged 18 to 29, and working adults under 35 earning $18,000. Spending outside its three categories is not listed as earning cashback, so it does not suit someone wanting a general-purpose card.
A worked example: the Visa Signature’s category caps
An illustrative household spends $800 a month on the CIMB Visa Signature: $250 at supermarkets, $250 on qualifying online shopping and $300 elsewhere.
- Groceries: first $200 at 10% = $20
- Online shopping: first $200 at 10% = $20
- Remaining $400 at 0.2% = $0.80
- Month total: $40.80, or about $490 a year
That is an effective 5.1%, not 10%. There is no annual fee to subtract.
If the household spends $750 in a month instead, the extra 9.8% is not paid. The month earns 0.2%, which is $1.50.
Put the same $800 on the World Mastercard and every dollar earns 1%, because spend is below $1,000: $8 a month, or $96 a year. Illustration only, using CIMB’s published rates as at November 2026.
The short version: CIMB’s cards cost nothing to hold. The Visa Signature’s 10% applies to just $200 a month in each category and only after $800 of total spend, so most households will see an effective rate nearer 5%. Check your own category split before counting on the headline.
How CIMB Cashback Works (There Are No Points)
CIMB does not run a points or miles programme on these cards. There is no conversion ratio, no conversion fee and no points expiry to track.
Cashback is credited to the principal cardholder’s card account and reduces the bill:
- Base cashback on the Visa Signature and Visa Infinite is credited in the same statement month.
- Additional cashback on those cards, and all cashback on the World Mastercard and AWSM, is credited in the following statement month.
Three rules are worth knowing.
Posting dates count. A purchase made late in the month but posted after the statement date counts towards the next month’s minimum spend.
Some spending is excluded. CIMB’s terms exclude insurance premiums, government payments, utilities, donations and payments through AXS from cashback. The Visa Signature terms also leave payments to services such as CardUp and iPaymy, e-wallet top-ups and brokerage payments out of the $800 minimum.
Uncredited cashback can be lost. The AWSM terms say cashback not yet credited when the card is terminated is forfeited.
If you want miles instead of cash, our cashback or miles guide explains how to compare, and the air miles cards comparison covers other banks.
Annual Fees and Other Charges
CIMB’s fees page lists the membership fee as free for life for principal and supplementary cards on the Visa Infinite, World Mastercard, Visa Signature and AWSM. There is no waiver to request, because there is no fee.
Other charges still apply, according to the same page:
- Foreign currency transactions: a 2% bank administrative fee plus a 1% card scheme fee.
- Dynamic currency conversion: 1%.
- Late payment: $100, or $80 on the AWSM card.
- Minimum payment: 3% of the outstanding balance or $50, whichever is higher.
The Visa Infinite’s 2% overseas cashback against a 3% foreign currency fee still leaves a net cost of about 1% on that spending. Our guide to overseas card fees shows the working.
The Cost of Carrying a Balance
CIMB’s fees page states an effective interest rate of 27.8% a year on purchases for the Visa Signature, World Mastercard and Visa Infinite, and 28% on the AWSM card. If the minimum payment is missed, the rate rises to 29.9%.
On a $3,000 unpaid balance, 27.8% is roughly $70 a month. That is more than the Visa Signature paid in our example month.
MoneySense explains that once a bill is not paid in full, interest also applies to new purchases. A card with no annual fee is only free if you pay in full. If you already owe a balance, use the debt payoff calculator to plan the repayment.
What To Do Next
- Sort three months of statements into the Visa Signature’s five categories and see how much of each falls within the first $200.
- Check whether your monthly card spend reliably clears $800, $1,000 or $2,000, depending on the card.
- Read the current terms on CIMB’s credit card pages and its fees page, since rates and promotions change.
- Compare with other issuers on our best credit cards in Singapore hub, the cashback cards comparison and the groceries card comparison.
- Test cash against miles in the cashback vs miles calculator.
