For comparison purposes only. Final terms are determined by the issuing bank.
Review
Balanced Travel Rewards with Global Lounge Access
The CIMB Travel World Credit Card positions itself between entry-level and premium travel cards, targeting users who want elevated travel perks without the high income requirement of top-tier cards. It offers a blend of overseas reward acceleration and complimentary airport lounge access, making it a compelling choice for frequent travellers seeking more than basic travel benefits.
On the rewards side, cardholders earn up to 8x Bonus Points for every RM1 spent on eligible overseas, airline and duty-free transactions. Local spending earns a more modest rate of 2x Bonus Points, with categories such as local education, insurance and utilities usually earning the base rate of 1x Bonus Point. Accumulated points can be redeemed for a range of airline and hotel partners, providing flexibility for travel redemptions.
An important benefit is access to airport lounges globally. The card allows up to 12 complimentary lounge visits per year across selected lounges, including Plaza Premium First and other partner lounges worldwide, subject to quarterly spend conditions. Typically, a minimum cumulative spend requirement per quarter is imposed to unlock the allotted visits for that period. This conditional access makes the card more rewarding for travellers who can pace their spending to match the eligibility criteria.
In addition to rewards and access, the card typically comes with travel insurance coverage and other travel-related privileges, such as curated dining offers and in-flight benefits, which vary by campaign and issuing terms. Overall, the card strikes a balance between reward potential and travel perks without the high costs usually associated with top-tier travel cards.
Verdict: The CIMB Travel World Credit Card is well suited for travellers who want meaningful overseas reward rates and a solid allocation of lounge visits without very high income requirements or cost. Users should be mindful of the quarterly spend conditions required to unlock the full suite of lounge privileges and plan usage accordingly to maximise value.
Pros
- Up to 8x Bonus Points on overseas, airline and duty-free spend
- Complimentary access to lounges worldwide (up to 12 visits per year)
- Includes travel insurance and curated travel benefits
- Moderate income requirement relative to premium travel cards
- Points redemption flexibility with multiple airline and hotel partners
Cons
- Quarterly spend conditions apply to unlock full lounge access
- Local spend earns lower Bonus Points compared with overseas spend
- Points conversion and redemption rates vary by travel partner
- Best value realised only when overseas and airline spend is frequent
- May require planned spend pacing to match lounge access conditions
Rewards Points
Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Points Conversion
Best CPM is calculated based on the highest earn rate available. A lower CPM indicates better value.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Points Redemption
Standard CIMB credit card points program. Can redeem for cash, vouchers, or airline miles.
Airport Lounge Access
Program Name
Plaza Premium Group
Annual Visits
Eligible users
Access type
Spend to EarnRequirement
Min. spend RM 6,000 within a quarter to earn 3 visits
Applicable locations:
Program Name
Sky Lounge
Annual Visits
Eligible users
Access type
Spending RequiredRequirement
Min. spend RM 2,000
Applicable locations:
Lounge access is subject to bank-defined terms and may change over time.
For the full lounge list, please refer to the relevant official website.
Card benefits
Up to 12X Global Lounge Access (Shared)
Up to 12X shared access for principal and supplementary cardholders to 150+ Plaza Premium First and Plaza Premium Lounges worldwide.
12X Sky Lounge Access (Subang)
Exclusive 12X Sky Lounge access at SkyPark Terminal, Sultan Abdul Aziz Shah Airport (Subang Airport).
4D3N Anantara Vacation Club Stay
Turn your spend into a 4 Days 3 Nights stay at Anantara Vacation Club Thailand.
In-flight WiFi Cash Back
Up to RM50 cash back on in-flight WiFi per statement on participating airlines.
Travel Insurance up to RM300,000
Automatic protection when you pay your airline ticket in full with the card. Includes death & permanent disablement (RM300,000), overseas medical expenses (up to RM50,000), trip cancellation (up to RM25,000), trip curtailment (up to RM25,000), loss of personal money & travel documents (up to RM10,000).
Travel Medical Coverage including Covid-19 Insurance
Travel medical coverage including Covid-19 insurance (registration/claims via program site; terms apply).
E-Commerce Purchase Protection up to USD200
Online purchase protection up to USD200 worldwide coverage for eligible online purchases.
Mastercard ID Theft Protection
Identity monitoring/alert service and related support under Mastercard program (terms apply).