• CIMB Debit Mastercard


There are so many opportunities in everyday savings when you purchase with your CIMB Debit Mastercard!

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*Based on spending.

Terms and conditions apply.

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Features & Benefits

Global acceptance and sophisticated security

Use it with full confidence. Your CIMB Debit Mastercard is accepted at more than 38 million Mastercard outlets and over 1 million ATMs worldwide*. You can even withdraw cash from any CIMB Bank ATM Regional Link free of charge.  In addition, you’ll have peace of mind as you are protected by multi-level security systems: secure chip technology and 3D secure (for online purchases), as well as SMS alerts. In the unlikely event of fraud, the liability is capped at RM250.

*Source: Mastercard (2015)

Contactless

Tap or wave your CIMB Debit Mastercard at a contactless enabled POS terminal and transactions up to RM250 will be approved without a signature or PIN. In the event you wish to disable ContactlessTransactions on your debit card, please contact our Consumer Contact Centre.

Enjoy cardmember exclusives

As our cardmember, you will enjoy special discounts, offers and promotion. With every RM4 spent with the CIMB Debit Mastercard (via Mastercard network), you’ll be able rewarded with 1 bonus point. You can use your accumulated bonus points to redeem a variety of rewards from our member rewards catalogue.

 

*excludes petrol transactions and purchases made via MyDebit network

Savings while you spend

 

Short on cash? Just pay with your with your CIMB Debit Mastercard at no extra charge. Not only will you cut down on trips to the ATM, just think of how much you can save. You can save on petrol, parking, the hassle of traffic and most importantly - time, which is better spent with your friends and family.

Take control of your money

Set up automatic payments for your monthly utility bills and free yourself from late charges and service lapses.  Your CIMB Debit Mastercard helps you keep track of your spending, as every purchase is listed so you’ll know what you spend your money on.  To check your transaction details, simply log onto to CIMB Clicks.

Additional Features

  • SMS Alerts
    Receive instant SMS alerts on your CIMB Debit Mastercard transactions to help you monitor your account activity and safeguard yourself against unauthorised transactions. These SMS alerts are sent at no extra cost to you.
  • 3D Secure Online Shopping
    Be protected with added security when you shop online with your CIMB Debit Mastercard. Receive One-Time Password (OTP) Authentication Codes via SMS to verify your online purchases at participating 3D Secure merchants.
  • Easy Bill Payment
    Pay your bills online and over the phone securely anytime, anywhere. Or, set up automatic payments to save time, manage your expenses and avoid late fees. Simply authorise payments to be automatically made from your CIMB Debit Mastercard directly to the biller.
  • RM250 Maximum Liability Protection
    Have peace of mind knowing that in the unlikely event of fraud, you will be held liable for a maximum of RM250 for unauthorised transactions made in the store, over the telephone or online provided that you have immediately reported to us of lost or stolen card, or any suspicious charges to your card, and follow up with a police report within 7 days of reporting.
  • Secure Chip & PIN technology
    The secure Chip and PIN technology embedded in the CIMB Debit Mastercard protects your account details and money for your peace of mind.
  • Stay in Control
    Set your daily purchase limit from RM1,000 up to RM10,000 to suit your spending needs. Monitor your account and budget as well as track your CIMB Debit Mastercard  spending wherever you are via CIMB Clicks.

Here's how you can redeem your gifts...

1. Call our Consumer Contact Centre for redemption request:

  • +603 6204 7788
  • 1300 889 800 (for Prime Banking customers)
  • 1300 885 300 (for Preferred customers)

2. Print the CIMB Debit Mastercard Gift Redemption Form. Complete the form and mail to:

Customer Resolution Unit (CRU),

CIMB Bank Behad, 19th Floor,

Menara Bumiputra Commerce,

11 Jalan Raja Laut, 50350 Kuala Lumpur.

3. Click here for the redemption online form.

4. Or Fax to +603 2691 3248

5. Or Redeem via CIMB Clicks

CIMB Islamic Bank savings/current account holders aged 12 years and above.
* Indemnity letter signed by parent/guardian is required for accountholders under the age of 18.

  Types of Charges Charge
1. Annual Fee RM15.90
2. Conversion from existing CIMB BankCard to CIMB Debit Mastercard Waived
3.

Replacement of CIMB Debit Mastercard due to:

  • Faulty chip
  • Card renewal (upon expiry)
No charges
4.

Replacement of CIMB Debit Mastercard due to:

  • Loss of theft of card
  • Damage due to cardholder’s misuse
RM12
5. Domestic ATM withdrawal fee
  • CIMB Bank ATM network in Malaysia
  • MEPS Shared ATM network in Malaysia
  • MEPS Local Incorporated Foreign Bank (LIFB)

  • No charges
  • RM1.06 per transaction
  • RM4.24 per transaction
6. International ATM withdrawal fee
  • CIMB ATM Regional Link 
  • MEPS Overseas
  • Mastercard Overseas

 

  • No charges
  • RM8.48 per transaction
  • RM10.60 per transaction
7. Funds Transfer to member banks of MEPS Shared ATM Network RM0.53 per transaction
8. Utility Bill Payments through ATMs No charges
9. Manual Share Application through ATMs No charges
10. Electronic Share Application (ESA)  RM2.65 per application
11. Sales Draft Retrieval Fee RM15.00

Overseas transactions are subject to currency conversion rate determined by Mastercard Worldwide plus a service fee of 1%.

Note: The fees and charges listed above are stated inclusive of goods and services tax (GST), where applicable.

Frequently Asked Questions

What is CIMB Debit Mastercard? What are its benefits?

The CIMB Debit Mastercard gives you quick, easy and secured access to your current/savings account-i whether you are in Malaysia or overseas. Use your Shariah-compliant CIMB Debit Mastercard for:

  • Shariah-compliant shopping locally and abroad, online, over the phone and by mail order.
  • Perform cash withdrawals at over 1 million Mastercard ATMs worldwide*.
  • Pay bills and authorise payments to be made automatically from your CIMB Debit Mastercard directly to billers for your utilities, takaful contributions, gym memberships or phone bills.

When you shop with your debit card, your total spent amount will be deducted from the funds in your account.

What is my daily spending limit?

The CIMB Debit Mastercard is enabled with a default daily spending limit of RM5,000. You may change this limit from RM1,000 up to RM10,000, in multiples of RM1,000, at any of our ATMs or via CIMB Clicks.

What security features does the CIMB Debit Mastercard possess?

  • Secure Chip and PIN technology protects your account details and money.
  • SMS alerts are sent to your mobile phone at no extra cost to you to the registered mobile phone number with the Bank whenever a purchases amount of at least RM300 is made on your CIMB Debit Mastercard.
  • One-Time Password (OTP) Authentication Code is sent via SMS to verify purchases made online at participating 3D Secure merchants.

How can I apply for CIMB Debit Mastercard?

Simply visit any CIMB Islamic bank branch near to you. You are required to maintain an Islamic savings/current account with us, which will be linked to your CIMB Debit Mastercard.

If you are an existing CIMB Islamic savings / current accountholder holding a CIMB Islamic ATM / BankCard, you may opt to upgrade to the CIMB Debit Mastercard at no charge.

You will be issued the CIMB Debit Mastercard instantly upon application.

Can the CIMB Debit Mastercard be used overseas?

Yes. However before using your CIMB Debit Mastercard overseas for shopping or ATM withdrawal, please activate the overseas usage function via ATM, any one of our branches or Consumer Contact Centre.

You will be using the same 6-digit PIN for your overseas usage. For those countries that have not yet migrated to PIN will still require you to sign for verification in order to use your CIMB Debit Mastercard for payment.

Although the standard PIN in Malaysia is 6 digits, the standard in many overseas markets is 4-digit PIN. It is possible that if you travel overseas, you may encounter a problem using your CIMB Debit Mastercard at an overseas terminal if the terminal restricts PIN entry to 4-digits. If you encounter a terminal that restricts the entry of a PIN to 4 digits, then you have two choices:

- ask the retailer to bypass the PIN entry and sign; or

- if this is not possible, or the retailer refuses to allow signature, then you must opt for a different payment method.

What are the instances where holding-of-funds transaction is done to my account?

  • A pre-authorisation amount of RM200 is charged for petrol purchases made at the outdoor pump. The pre-authorisation amount will then be reversed and the actual amount will be charged upon settlement by the merchant within 3 days. You may opt to pay at the cashier with the CIMB Debit Mastercard to avoid the pre-authorisation holding.
  • At the local PETRONAS outdoor pump:

          - there will be no pre-authorisation amount charged; and 

          - you are required to key in your 6-digit PIN at the terminal.

  • Hotels charge a pre-authorisation amount upon check-in, depending on the duration of stay. During check-out, the pre-authorization amount will be reversed and the actual amount will be charged.

Why is my purchase declined?

There is insufficient funds in your Islamic savings/current account that is linked to the CIMB Debit Mastercard. You will need to top up funds in your account-i.

  • There is insufficient funds due to pre-authorisation holding amount at petrol station or hotels. You will need to top up funds in your account-i.
  • You made a Non-Shariah compliant purchase such as liquor, gambling, dating/matchmaking services or weaponry.
  • Your purchase amount exceeds your chosen daily spending limit. To find out how to change your limit. You can opt to change your spending limit either via ATM or CIMB Clicks.
  • The non-3D secure onlinetransactions, mail order, or telephone order transations (CNP: Card-Not-Present) on your CIMB Debit Mastercard may be disabled. You can call us at +603 6204 7788 (local or overseas) to opt-in.
  • The Point-of-Sale function on your CIMB Debit Mastercard is disabled. To find out how to enable this function. To activate this function, click here for the self help guide.
  • If your transactions are declined overseas, you may not have activated the Overseas Flag. To find out how to activate this function. To activate this function, click here for the self help guide.
     

Can I use my CIMB Debit Mastercard for Contactless retail payment / transaction?

Your CIMB Debit Mastercard is enabled with contactless feature. Whenever you see the Mastercard or MyDebit contactless logo at the Retailer or Merchant's Point of Sales terminals, you can tap your card on the contactless reader. For retail transactions below RM250, your PIN or signature is not required.

 

Is the Contactless payment / transaction method on my CIMB Debit Mastercard safe?

Safeguards are in place to prevent unauthorised use of the intercepted card security details. Each contactless transaction includes a unique code that changes with each purchase, which can only be used once and can only be generated by the chip in your original contactless card, hence, this prevents a counterfeit card from being produced from the intercepted card security details.

Can I disable the Contactless payment / transaction method on my CIMB Debit Mastercard?

You can reduce the Contactless transaction total daily limit on your CIMB Debit Mastercard via any of our ATMs.

What should I do if my CIMB Debit Mastercard is lost or stolen?

Please call us at +603 6204 7788 (local or overseas) or visit any CIMB Islamic Bank branch to make a report immediately after finding out that your CIMB Debit Mastercard is lost or stolen.

How can I use my CIMB Debit Mastercard for Contacless retail payment / transaction?

  • The Retailer or Merchant's Point of Sales terminals must be able to accept Mastercard or MyDebit contactless payment.
  • Your CIMB Debit Mastercard has to be waved within 4cm or tapped at the contactless card reader and the Merchant must have first entered the transaction amount for you to approve.
  • Even if your CIMB Debit Mastercard is accidentally tapped more than once, you will only get billed once for the transaction.
  • If you hold your card up to a reader and you have any other contactless payment cards nearby, the reader might detect more than one card and will not complete the payment. You will need to perform the transaction again. Please ensure you only use the intended card from your wallet and have it tapped at the reader.

 

Can I disable the Contactless payment / transaction method on my CIMB Debit Mastercard?

If you wish to disable the Contactless payment / transaction method on your CIMB Debit Mastercard, you can disable it at any of our ATMs or you can call us at +603 6204 7788 (local or overseas).

What are my liabilities as a CIMB Debit Mastercard cardholder?

You will be liable for PIN-based unauthorised transactions if you have: 

  • acted fraudulently;
  • delayed in notifying us as soon as reasonable practicable after having discovered the loss or unauthorised use of your CIMB Debit Mastercard;
  • voluntarily disclosed your PIN to another person; or
  • recorded your PIN on the CIMB Debit Mastercard; or on anything kept in close proximity with your CIMB Debit Mastercard.

You will be liable for unauthorised transactions which require signature verification or with contactless card, if you have:

  • acted fraudulently;
  • delayed in notifying us as soon as reasonable practicable after having discovered the loss or unauthorised use of your CIMB Debit Mastercard;
  • left your CIMB Debit Mastercard or an item containing your  CIMB Debit Mastercard, unattended in places visible and accessible to others; or
  • voluntarily allowed another person to use your CIMB Debit Mastercard.
Call Our Consumer Contact Centre:
+603 6204 7788
(Local and Overseas)
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