For comparison purposes only. Final terms are determined by the issuing bank.
Review
A travel card for overseas spend and conditional lounge access
The CIMB Travel World Credit Card makes the most sense if you spend overseas and can meet its lounge access conditions. It is not just a simple "12 lounge visits" card. The value depends on where you spend, and whether you can hit the quarterly requirement.
The best rewards come from overseas, airline and duty-free spending, which earn up to 8x Bonus Points. Used well, the miles value is actually not bad. Malaysia Airlines can work out to around RM1.56 per mile, while KrisFlyer and Asia Miles are around RM1.88 per mile.
But that value is mainly tied to the 8x categories. Local spending earns 2x Bonus Points, while categories such as education, insurance and utilities usually earn only 1x Bonus Point. So if most of your spending is local, this card becomes much less interesting as a miles card.
The lounge access is useful, but there is a condition. Cardholders need to spend at least RM6,000 in each qualifying quarter to unlock the lounge entitlement for that quarter. The card offers up to 12 airport lounge accesses per calendar year, but this is a combined quota across Plaza Premium Lounge and Mastercard Travel Pass. It is not 12 visits for each programme.
The annual fee waiver also needs attention. For existing cardholders, the waiver requires RM60,000 annual spend. That is fine if you already spend a lot on overseas travel, but quite heavy if you only want lounge access once in a while.
Verdict: The CIMB Travel World Credit Card is worth considering if you have regular overseas, airline or duty-free spending and can naturally meet the RM6,000 quarterly spend for lounge access. The miles value can be good in the right categories. But for mostly local spending, unstable quarterly spend, or casual lounge use, this card is harder to justify.
Pros
- Good miles value on overseas, airline and duty-free spending
- MAS conversion can work out to around RM1.56 per mile
- KrisFlyer and Asia Miles can work out to around RM1.88 per mile
- Up to 12 airport lounge accesses per year
- Lounge access covers Plaza Premium Lounge and Mastercard Travel Pass
Cons
- Lounge access requires RM6,000 spend per qualifying quarter
- Plaza Premium Lounge and Mastercard Travel Pass share the same 12-visit annual quota
- Best miles value depends mainly on overseas, airline and duty-free spending
- Local spending is much less rewarding
- Annual fee waiver for existing users requires RM60,000 annual spend
Rewards Points
| Category | Multiplier | Cap |
|---|---|---|
Overseas | 8xPoint | Uncapped |
Airlines | 8xPoint | Uncapped |
Duty Free stores | 8xPoint | Uncapped |
Other Local Spend | 2xPoint | Uncapped |
Local Education | 1xPoint | 50,000 points |
Local Insurance | 1xPoint | 50,000 points |
Local Utilities | 1xPoint | 50,000 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 for each points program. A lower CPM indicates better value. Click on a row to see CPM at different earn rates.
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.
Air Miles Calculator
Estimates use monthly category totals. Actual rewards may differ due to transaction-level rounding, merchant coding, exclusions, caps, and bank terms.
Monthly Spend
Enter eligible spend by category to estimate your miles.
Only programs supported by every points currency earned on this card are shown.
Air Miles Summary
Airport Lounge Access
Program Name
Plaza Premium Group + Mastercard Travel Pass
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
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 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).
Up to 12X Global Lounge Access (Shared)
Up to 12X shared access to 1,500+ lounges worldwide via Plaza Premium Lounge and Mastercard Travel Pass
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).