Lifetime Free Annual Fee for MasterCard Holders
Enjoy a permanent waiver on annual fees for CIMB Niaga Classic with the MasterCard logo.
2-Year Free Annual Fee for VISA Holders
For CIMB Niaga Classic VISA cardholders, the first two years are completely free of annual fees.
Earn Poin Xtra on Every Purchase
Get 25 Poin Xtra for every Rp50,000 spent on eligible retail transactions, redeemable for exciting rewards.
Flexible Fixed Installment Plans
Convert retail transactions into installments of 3, 6, or 12 months with competitive interest rates.
Simplify Your Daily Spending with CIMB Niaga Classic
CIMB Niaga Classic is the perfect credit card for individuals seeking convenience, affordability, and rewarding benefits in their daily transactions. Designed with flexibility in mind, this card offers a lifetime free annual fee for MasterCard holders and a two-year waiver for VISA cardholders, making it an ideal option for those looking to minimize costs. Whether you’re shopping for essentials, dining at your favorite restaurants, or booking a trip, this card ensures that every transaction is both practical and rewarding.
Additionally, all transactions and card management can be done conveniently through CIMB Clicks internet banking or Phone Banking (14041), ensuring seamless access to financial services anytime, anywhere. With its cost-saving features, rewards program, and flexible payment options, CIMB Niaga Classic is an excellent companion for everyday financial needs.
To apply, you must be between 21 and 65 years old for the primary card or 17 to 70 years old for a supplementary card. Applicants must also have a minimum income of Rp3 million per month and provide the required documents based on their employment status.
If you have a CIMB Niaga Classic MasterCard, your annual fee is waived for life. If you choose a VISA variant, you’ll enjoy two years of free annual fees, after which standard fees apply.
Poin Xtra is CIMB Niaga’s reward program, allowing you to earn 1 Poin Xtra for every Rp5,000 spent. However, certain transactions, such as QR scans, cash advances, and installments, do not qualify for points.
Yes! With the Fixed Installment Plan, you can convert retail purchases into installments of 3, 6, or 12 months at competitive interest rates. This can be done via CIMB Clicks internet banking or by calling CIMB Niaga Phone Banking (14041) before your billing cycle.
Applicants must provide a valid ID (KTP or passport for foreigners), proof of income (pay slip, tax form, or bank statement), and additional documents depending on their profession. Expatriates must also submit a valid KITAS/KITAP.
Enjoy a Hassle-Free Credit Card with CIMB Niaga Classic
Whether you’re looking to save on annual fees, earn rewards, or split large purchases into manageable installments, CIMB Niaga Classic provides a hassle-free experience tailored to your needs.
If you want a practical, cost-effective, and rewarding credit card, this is the perfect time to apply. Click the button below to explore all the benefits, check the eligibility requirements, and start your application today. Unlock the full potential of CIMB Niaga Classic and enjoy financial freedom with every transaction!