CIMB Travel Platinum Credit Card

Premium Travel Perks Within Reach for Every Traveler

The CIMB Travel Platinum Credit Card is one of the most accessible travel cards in Malaysia, featuring a remarkably low minimum income requirement of only RM24,000 per annum (RM2,000/month). Despite its entry-level accessibility, it competes directly with premium cards by offering a free-for-life membership with no annual fees, making it an ideal choice for fresh graduates and budget-conscious travelers looking to kickstart their miles journey.

A standout feature is its global airport lounge access. While many entry-level cards limit you to local lounges, this card grants 4x complimentary access per year to over 150 selected Plaza Premium Lounges worldwide. Although it requires a minimum quarterly spend of RM3,000 to unlock each visit, this remains a fair trade-off for a card that costs nothing to maintain. Whether you are at KLIA or traveling across international borders, you can enjoy a comfortable pre-flight experience without the premium price tag.

In terms of rewards, the card is a powerhouse for international spending, offering 5x Bonus Points for every RM1 spent on airlines, duty-free, and overseas transactions. Coupled with up to RM1 million in travel insurance and special Grab airport transfer codes, it provides a comprehensive travel suite that far exceeds its humble eligibility requirements.

Verdict: Exceptional value for money. If you can meet the quarterly spending of RM3,000, this is the best low-income card for accessing global lounges and earning high rewards on your overseas vacations.