Type of Employment Nature of income Income document required Monthly fixed salary Latest 1 month payslip/epf statement Salaried Employee

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1 1. What is the minimum annual income requirement? CIMB Cash Gold MasterCard CIMB Cash Platinum MasterCard : RM24,000 per annum : RM60,000 per annum 2. What documents do I need to submit to apply for this card? Type of Employment Nature of income Income document required Monthly fixed salary Latest 1 month payslip/epf statement Salaried Employee Latest EA form Latest FM BE & tax receipt Full commission earner Variable income earner (Basic salary + commission) Variable income earner (no basic salary) Latest 3 months pay slips Latest EA Form Latest FM BE & tax receipt Latest 3 months commission statements Latest EA FM Self Employed Variable income earner Latest Form B with tax receipts Latest 3 months company bank statements 3. Can I apply and hold this card if I have another CIMB credit card? Yes. 4. Is there an annual Card Fee? No. 5. What are the Cash categories and the maximum that I can earn/entitled per month/statement? Category Cash Monthly Capping Finance Charges Billed 10.0% No maximum capping # 5.0% RM50 per statement/ per Petrol 2.0% Groceries 2.0% Utility Bill Payments via Standing Instruction 2.0% Mobile Bill Payment via Standing Instruction 2.0% Cash card #Maximum Cash is RM30.00 per statement/ per cash rebate card Other Retail Spend 0.2% No maximum capping Page 1 of 5

2 6. How are the Cash s reflected in my monthly statements? Category Cash Reflected on statement as: Finance Charges Billed 10.0% CASH REBATE ON RETAIL INTEREST BILLED 5.0% Petrol 2.0% Groceries 2.0% CASH REBATE Utility Bill Payments via 2.0% Standing Instruction Mobile Bill Payment via 2.0% Standing Instruction Other Retail Spend 0.2% CASH REBATE ON OTHER RETAIL 7. How do I earn the 5% and 2% Cash? You will earn 5% Cash for transactions (inclusive of overseas / foreign currency spending) made on E-Commerce (excluding transaction made on Airlines, Insurance, Utility and Mobile Bill Payments) and 2% Cash for Petrol, Groceries, Utility and Mobile Bill Payments from eligible merchants as stated in the table below:- Category Cash Eligible Merchants/ Merchant Category Code ( MCC ) Description of transactions 5.0% POSMODE 81 Exclude Airlines (MCC ,4511), Insurance (MCC 5960,6300), Utility (MCC 4900) and Mobile Bill Payments (MCC 4813,4814) Petrol 2.0% MCC (5541, 5542) All Groceries 2.0% MCC(5411, 5422, 5451) All Utility Bill Payments via Standing Instruction only Mobile Bill Payment via Standing Instruction only 2.0% MCC (4900,5968) Standing Instruction payments under all MCC (4900) and; Standing Instruction payments under MCC (5968) applies to GAS MALAYSIA, SESCO and TNB only. 2.0% MCC (4813,4814,5968) Standing Instruction payments to MAXIS, DIGI, CELCOM, U MOBILE and YES only. Note: Not applicable for hardware/software purchases at telco service providers Page 2 of 5

3 8. Is there a maximum amount of the Cash that I can earn for transactions set out under the table above? The total Cash amount which you can earn for transactions set out in the table above is subject to a maximum of RM50.00 per month/per customer; and inclusive of any tactical campaigns thereafter. With the exception of category which is subject to a sub-limit whereby the maximum Cash the Cardholder can earn is RM30.00 For illustration purposes:- Scenario (1) Cash Category # Capped at RM30 per statement/ per card Cash Spend s earned 5.0% RM1, RM30.00 Petrol 2.0% RM RM2.00 Groceries 2.0% RM RM2.00 Utility Bill Payment via Standing Instruction 2.0% RM RM3.00 Mobile Bill Payment via Standing Instruction 2.0% RM RM3.00 Sub Total s earned ##RM40.00 Final s given/posted to cardmember statement (will not exceed RM50.00) RM40.00 Scenario (2) Cash Category # Capped at RM30 per statement/ per card Cash Spend s earned 5.0% RM2,00.00 RM30.00 Petrol 2.0% RM RM10.00 Groceries 2.0% RM RM10.00 Utility Bill Payment via Standing Instruction 2.0% RM RM4.00 Mobile Bill Payment via Standing Instruction 2.0% RM RM4.00 Sub Total s earned ##RM58.00 Final s given/posted to cardmember statement (will not exceed RM50.00) RM50.00 ##Cardmember will not earn more than RM50.00 per statement/ per Cash card which is inclusive of Cash earned from E-Commerce, Petrol, Groceries, Standing Instruction ( SI ) Utility Bill Payment and ( SI ) Mobile Bill Payment under the CIMB Cardholder Agreement ; and inclusive of any tactical campaigns thereafter. Page 3 of 5

4 9. Will the 5% and 2% Cash entitlement on my Supplementary Card amount be tabulated into my own Principal account? No, both the Principal and Supplementary Cardholder will be entitled upto RM50.00 each per month/per card and credited into respective card account. Example: Principal Cardholder having 2 Supplementary Cards: Cardholder Maximum Cash (per month/per statement) Maximum Cash (per year/ or 12-months) Principal RM50.00 RM Supplementary 1 RM50.00 RM Supplementary 2 RM50.00 RM Total RM RM1, How is my 5% and 2% Cash calculated? Qualifying transactions must be posted to the Cardholder s credit card account before the statement date which is on the 28 th of every month. Transactions posted to the Cardholder s Cash Card account on the same date as the statement date shall be treated as qualifying transactions for the following month. The Cash earned shall be utilized towards payment of the outstanding balances due on the Cardholder s Cash Card account. 11. Are there any insurance coverage benefits attached to this card? There is no insurance coverage for this product. 12. Will I get Cash s on overseas spend/transactions? Yes, Cash s are inclusive of overseas/foreign currency spending which will be converted to Ringgit Malaysia (RM) and shall be based on CIMB s transaction records only. 13. What is the maximum Cash I can earn under the 0.2% Cash on other retail spending category? There is no maximum capping and the Cash earned shall be utilized towards payment of the outstanding balances due on the Cardholder s Cash Card account. 14. What transactions are excluded under the 0.2% Cash on other retail spending category? Balance Transfer, CashLite and Cash Advance transactions; Quasi Cash transactions (example: betting and/or gaming transactions); Late payment charges, reversals, fraudulent retail transactions and other fees and charges; Transactions made by the Cardholders with any merchant associated with or controlled by them or their family members (whether as employee, employer, shareholder or director). i.e. transactions by a Cardholder with any corporation or business entity in which he is an or any of his family members are employee or employer or works with or has shares or interest in or is a director of. Page 4 of 5

5 Transactions where the Cardholder has elected to make repayment of the transactions by Monthly installments under any installment payment facility provided by CIMB or other banks and CIMB elects to grant the Cardholder the Cash s on such Monthly installments; and Repayment of Monthly installments under any installment payment facility provided by CIMB or other banks (where the Cardholder has elected to make repayment of the original transaction by such Monthly installments) where CIMB elects to grant the Cardholder the Cash s on the original transaction. Any determination by CIMB as to what types of transactions are excluded from the entitlement to Cash s shall be final and conclusive and shall not be challenged in any manner whatsoever. 15. What is this 10% Cash on Finance Charges about? Assuming the Cardholder s Cash Card outstanding balance is not fully settled, the outstanding balance not paid will attract finance charges on a tiered basis in accordance with the CIMB Cardholder Agreement. Cardholder of the Cash Card will earn 10% Cash on such finance charges charged and such rebate will be reflected on the billed statement and used only towards payment of the finance charges charged by CIMB. The 10% Cash on Finance Charges is not applicable for closed/blocked or overdue accounts. 16. Is there a maximum capping on how much Cash I get on the 10% Cash on Finance Charges category? No, there is no maximum amount on the Cash which you can earn. 17. Will I get 10% Cash on Finance Charges for Cash Advance transactions? No, it is only applicable for finance charges on outstanding retail transactions only. 18. When will I get my 10% Cash on Finance Charges The rebate will be calculated and posted in Cardholder statement calculated upto the statement date which is the 28 th of every month. 19. When is my statement date? CIMB s statement date for the Cash Card is currently the 28th of every month. 20. Can I choose to change my statement date? No, the Cash Card statement date is set at 28 th of every month. 21. How will I know which merchants are eligble for the cash rebates? The assignment of Merchant Category Code or MCC for each merchant is subject to classification by the respective acquiring banks and it is the responsibility of the particular acquiring bank to assign the correct Merchant Category Code to the relevant transaction. Page 5 of 5