CIMB Extends Visa Infinite Bonus Points Campaign Until June 2026 — With A Few Surprises
- Refined Points
- Jul 6
- 4 min read
After recent news of downgrades and devaluations from other banks, we finally have something positive to talk about.
As confirmed on CIMB's product page, CIMB has officially extended the Bonus Points Campaign for the CIMB Visa Infinite until June 2026. And yes, there are a couple of subtle improvements that warrant a closer look.
Let’s unpack what this means—and why it might be one of the most underrated credit card strategies in Malaysia right now.
Recap: Why the CIMB Visa Infinite Strategy Still Works
For those new to the game, the CIMB Visa Infinite runs on a straightforward but powerful model. You earn:
5X Bonus Points on Local Dining and Overseas spend
1X Bonus Points on all other eligible spend
Translated into airline miles, that equates to 0.4 Miles Per Ringgit (MPR) for Enrich Miles, and 0.33 MPR for KrisFlyer, Avios, Asia Miles, and most other airlines.
Where things get interesting is CIMB’s bonus tier campaign. Cardholders who spend:
Over RM3,000 in a month receive an extra 7,500 Bonus Points
Over RM5,000 in a month receive 15,000 Bonus Points
These are awarded on top of your base earnings. If you spend RM3,000 exclusively on dining, that’s 15,000 base points (RM3,000 x 5) plus the 7,500 campaign bonus points—giving you a total of 22,500 points for RM3,000 spend.
That’s an effective 0.6 MPR for Enrich Miles, and 0.5 MPR for most others—surpassing even UOB’s Privilege Banking Visa Infinite (which requires RM500K AUM to qualify). And let’s not forget—the CIMB Visa Infinite only requires RM60,000 annual income.
Yes, really.
Of course, it’s unrealistic to expect most RM60K income earners to be spending RM5,000 monthly. But here's the key: any retail spend—including insurance—counts toward this threshold.
That’s right: insurance spend qualifies. While some banks exclude it entirely or offer neutered returns, CIMB quietly includes it, giving this campaign real-life utility for high spenders.
Better yet, in September 2024, CIMB removed most category restrictions and caps. E-wallet reloads remain excluded (as expected), but everything else is fair game.
It’s one of the few opportunities in the market where traditional categories like insurance, dining, and general spend still stack meaningfully.
Hidden Terms You Shouldn’t Miss
As always, the devil is in the details.
1. You must pay your CIMB credit card bills using a CIMB CASA account.
That means paying from Maybank or other banks? Disqualified. It’s a minor inconvenience at best—you just need to transfer funds into your CIMB account before settling the bill—but one that’s easy to overlook.
2. Monthly bonus point caps exist.
RM3,000 tier: 20,000,000 Bonus Points/month
RM5,000 tier: 60,000,000 Bonus Points/month
That might sound like a limitation, but Refined Points can confirm that these caps are rarely, if ever, hit. In fact, across multiple readers and feedback loops, not a single person has reported missing out on bonus points despite hitting the spend thresholds correctly.
Small but Impactful Changes to Bonus Point Crediting
Now for one of the biggest pain points: CIMB used to credit bonus points three months after the spend cycle.
If you hit the RM5,000 mark on 17 July, your bonus points wouldn’t show up until the end of October. That delay made it nearly impossible to redeem miles for high-demand seasonal redemptions like December holiday travel—where you’d need to book award seats 6+ months in advance.
Thankfully, that’s changed.
Subject to these terms and conditions, the monthly Bonus Points shall be credited into the Eligible pararticipant(s)’ principal card account within eight (8) weeks after the end of each Campaign Month - Line 16, CIMB Visa Infinite Terms and Conditions
As of this latest extension, bonus points are now credited after two months instead of three. That’s still not ideal—but it’s a welcome step in the right direction.
For example, July spend will now see bonus points by end of September. It gives miles strategists a slightly larger window to work with—especially for those targeting redemptions with Cathay Pacific, Qatar Airways, or Singapore Airlines.
Unfortunately, CIMB still enforces the 75,000 Bonus Points to 5,000 miles conversion threshold across all its credit cards. This remains one of the card’s biggest structural flaws—especially when compared to UOB’s instant conversion thresholds or faster crediting mechanics.
Final Thoughts: A Welcome Extension, But Still A Flawed Giant
The CIMB Visa Infinite continues to be one of the most misunderstood credit cards in Malaysia. On paper, it looks like a generic 5X card. In reality, it's a highly capable miles-earning machine—especially when paired with the campaign’s bonus tiers and insurance spend eligibility.
If you're already a CIMB cardholder with monthly spend above RM3,000, this extension offers real value. The effective MPR rates, especially for Enrich Miles and Avios, are competitive—even against cards in higher income brackets. And let's not forget: this card still connects to Malaysia’s widest range of airline transfer partners.
But at the same time, CIMB still has work to do. Two-month crediting periods are an improvement, but not enough. The 75,000-point conversion threshold is clunky. The mechanics, while powerful, lack the seamless user experience of UOB’s UNIRM ecosystem.
With just a few tweaks—faster point crediting, lower conversion thresholds—this card could easily dominate the market. For now, it remains a flawed giant: powerful, yes—but still held back by its own inefficiencies.
If you're willing to play the long game and have the spend to back it up, the CIMB Visa Infinite is absolutely worth considering. But for the rest of us? Keep watching this space. The game is still very much on.
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