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CIMB AWSM Card

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  • Reviews (15)
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4.3
15 reviews
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Summary

CIMB AWSM Credit Card

The CIMB AWSM Credit Card is a great starter card, perfect for students, NSFs and working adults under 35 who want a credit card with no annual fees and easy eligibility.

Product Page Transparency

  • Pays to access additional features

Card Features & Details

1) Key Features

  • 1% Unlimited cashback in multiple categories
  • Low barrier to entry for students, NSFs and working adults under 35

2) Benefits

Cashback

  • 1% Unlimited cashback on Dining & Entertainment, Online Shopping and Telcos

CIMB Deals & Discounts

  • Over 1,000 deals across dining, retail and lifestyle outlets in Singapore, Malaysia and Indonesia with the CIMB AWSM Credit Card

3) Eligibility

  • For Students and NSFs:
  • 18 to 29 years old for Students and NSFs
  • For Salaried Employees:
  • Below 35: Annual income of S$18,000
  • 35 and above: Annual income of S$30,000
  • Citizenship: Singaporeans, PRs
  • Minimum annual income:
  • S$18,000 for Singaporeans/PRs

4) Fees & Charges

  • Annual principal fee: S$0 (for life)
  • Supplementary card annual fee: S$0
  • Late payment fees: S$100
  • Repayment grace period: 23 days
  • Minimum monthly payment: 3% of outstanding or S$15, whichever is higher
  • Cash advance charges: 8% of the amount withdrawn (minimum charge of $15)
  • Overlimit fee: S$50 or 5% of the excess amount, whichever is higher

Frequently Asked Questions

Can you enjoy annual fee waiver for the CIMB AWSM Credit Card?

  • There is no annual fee for the CIMB AWSM Card

Who should apply for the CIMB AWSM Credit Card?

  • For users who find it difficult to meet the eligibility requirements for other credit cards

What is the minimum income requirement for the CIMB AWSM Credit Card?

  • Minimum annual income:
  • For Students and NSFs:
  • 18 to 29 years old for Students and NSFs
  • For Salaried Employees:
  • Below 35: Annual income of S$18,000
  • 35 and above: Annual income of S$30,000
  • Citizenship: Singaporeans, PRs
  • Minimum annual income:
  • S$18,000 for Singaporeans/PRs
...see more

Popular Products

Summary

CIMB AWSM Credit Card

The CIMB AWSM Credit Card is a great starter card, perfect for students, NSFs and working adults under 35 who want a credit card with no annual fees and easy eligibility.

Product Page Transparency

  • Pays to access additional features

Card Features & Details

1) Key Features

  • 1% Unlimited cashback in multiple categories
  • Low barrier to entry for students, NSFs and working adults under 35

2) Benefits

Cashback

  • 1% Unlimited cashback on Dining & Entertainment, Online Shopping and Telcos

CIMB Deals & Discounts

  • Over 1,000 deals across dining, retail and lifestyle outlets in Singapore, Malaysia and Indonesia with the CIMB AWSM Credit Card

3) Eligibility

  • For Students and NSFs:
  • 18 to 29 years old for Students and NSFs
  • For Salaried Employees:
  • Below 35: Annual income of S$18,000
  • 35 and above: Annual income of S$30,000
  • Citizenship: Singaporeans, PRs
  • Minimum annual income:
  • S$18,000 for Singaporeans/PRs

4) Fees & Charges

  • Annual principal fee: S$0 (for life)
  • Supplementary card annual fee: S$0
  • Late payment fees: S$100
  • Repayment grace period: 23 days
  • Minimum monthly payment: 3% of outstanding or S$15, whichever is higher
  • Cash advance charges: 8% of the amount withdrawn (minimum charge of $15)
  • Overlimit fee: S$50 or 5% of the excess amount, whichever is higher

Frequently Asked Questions

Can you enjoy annual fee waiver for the CIMB AWSM Credit Card?

  • There is no annual fee for the CIMB AWSM Card

Who should apply for the CIMB AWSM Credit Card?

  • For users who find it difficult to meet the eligibility requirements for other credit cards

What is the minimum income requirement for the CIMB AWSM Credit Card?

  • Minimum annual income:
  • For Students and NSFs:
  • 18 to 29 years old for Students and NSFs
  • For Salaried Employees:
  • Below 35: Annual income of S$18,000
  • 35 and above: Annual income of S$30,000
  • Citizenship: Singaporeans, PRs
  • Minimum annual income:
  • S$18,000 for Singaporeans/PRs
...see more

CIMB AWSM Card

1% unlimited on Dining, Online Shopping, Telco
CASHBACK
Unlimited
CASHBACK CAP

CIMB AWSM Card

1% unlimited on Dining, Online Shopping, Telco

CASHBACK

Unlimited

CASHBACK CAP

Reviews (15)

4.3

15 Reviews

5
8
4
6
3
0
2
0
1
1

Service Rating

Speed of Approval

4.7

Ease of Fee Waiver

4.6

Customer Support

4.6

      Posted 31 Jul 2021

      Purchased

      CIMB AWSM Card

      A good entry level credit card for students and NSFs, speed of application was very fast and easy Credit : $500 Benefits : 1% Cashback on dining, online shopping, telco and entertainment Annual Fee : None

      0

      What are your thoughts?

      Posted 20 Nov 2019

      Purchased

      CIMB AWSM Card

      Good customer services, fast approval. Can say one of the good card, highly recommended for CIMD bank credit card.

      0

      What are your thoughts?

      Posted 19 Nov 2019

      Purchased

      CIMB AWSM Card

      A great card to build your credit score for those who just started working but aren't eligible for those mainstream cards. Comes with 1% cashback on what youngsters would normally spend on anyway (telco, online shopping, dining) and there's no annual fees whatsoever, so that's a bonus! I'd recommend this card for those wanting to try out credit cards for the first time because it comes with a nice $500 limit so you don't blow your budget. You'll definitely learn to manage your cashflow with this one.

      0

      What are your thoughts?

      Posted 14 Nov 2019

      Purchased

      CIMB AWSM Card

      Have been using this card for 1 year, since it was launched. Card approval and delivery via mail were swift! Customer service was helpful and able to resolve my queries on multiple occasions, they can be easily contacted via the hotline and the waiting time is minimal as compared to other banks. Most importantly, this credit card doesn't have an annual fee! So feel free to sign up without having to worry about any fees or whatsoever, (of course) unless you fail to pay your credit card bill(s) on time. The perks are pretty good too for a student/NSF credit card, 1% on online shopping, dining and telco! I use this card together with the Maybank eVibes which also gives 1% for all categories. Overall, I'd highly recommend this credit card for it's simple and fuss-free usage with no strings attached!

      0

      What are your thoughts?

      Posted 14 Nov 2019

      Purchased

      CIMB AWSM Card

      Applied for the card in school and it was mailed to me real soon. Customer service is good as I am able to get through to the staff fast through the line and they were polite! Overall, a good experience with CIMB:)

      0

      What are your thoughts?

      Posted 13 Nov 2019

      Purchased

      CIMB AWSM Card

      Really one of the best cards in the market with above average rebates and no min spend criteria. it get rids of all the stupid rules and requirements set by the other banks and is easy and simply to use. I always love using this credit card. It is simply awesome!

      0

      What are your thoughts?

      Posted 13 Nov 2019

      Purchased

      CIMB AWSM Card

      Application process was smooth and easy; good cashback to use for paying off telco bills. With the low income requirement, it is very easily accessible to the mass public.

      0

      What are your thoughts?

      Posted 13 Nov 2019

      Purchased

      CIMB AWSM Card

      Application process was fast and I would recommend this card to everyone, it has so many benefits and regular promotions. Thumbs up!

      0

      What are your thoughts?

      Posted 13 Aug 2023

      Purchased

      CIMB AWSM Card

      this card is straightforward no annual fees and perks are pretty good earn cashback on different categories

      0

      What are your thoughts?

      16 Apr 2021

      Purchased

      CIMB AWSM Card

      A good credit card for students, along with a sweet 1% cashback for almost all spending that students usually make, on this card. This would be a good entry-level credit card for any students out there.

      0

      What are your thoughts?

    Discussions (0)

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      Popular Products

      Eligibility for CIMB AWSM Card

      To be eligible for the CIMB AWSM Card, you'll have to meet the following criteria:

      For Students and NSFs:

      • Age between 18 to 29 years old
      • No minimum income requirement

      For Salaried employees:

      • For age <35 years old: Annual income of S$18,000
      • For age >35 years old: Annual income of S$30,000

      Fees and Charges for CIMB AWSM Card

      • Annual Principal Card Fee: Free
      • Interest-free Period: 23 days
      • Annual Interest Rate: 27%
      • Minimum Monthly Payment: 3% or $15, whichever is higher
      • Late Payment Charge: $80
      • Cash Advance Fee: 6% (minimum charge of $15)
      • Overlimit Fee: 5% or $50, whichever is higher

      The Best Cash Back Credit Cards Review 2020: How does CIMB AWSM Compare?

      Pros

      Considering the age of eligibility and its areas of cashback, CIMB AWSM is a card geared towards the younger crowd. CIMB AWSM is a suitable starter card for young adults as it requires a very manageable annual income of S$18,000 for salaried applicants, and is also accessible to NSFs and non-income-earning applicants like students above 18 years old. Moreover, its annual fee is also free, and its cashback rewards have no cap!

      Cons:

      If you fall outside this intended age group, the rewards and lower-income requirement might not be of much incentive for you. If your spending habits do not fit the categories of dining, entertainment, online shopping and telco, perhaps other cards might be better for you.

      Still unsure? Find out everything you need about credit cards - including what the best credit cards in Singapore are for miles and Cashback, factors to consider before getting one, fees to know, and why a good credit score matters.

      You can also pose questions (anonymously, if you'd prefer) on Seedly Community .

      Terms and Conditions of CIMB AWSM Card

      • Applicants must be a Singaporean or Singapore PR in order to apply for CIMB AWSM Card
      • Applicant must not be an existing CIMB credit card member
      • Online submission is not available for applicants 21 years old and below
      • This is a credit card for students thus students below 21 years old are not applicable for online submission for approval
      • Transactions that are classified under cashback on dining entertainment includes all local and overseas transactions made at restaurants and cafes, including fast food, bars, taverns, caterers, lounges and nightclubs
      • Transactions that are classified under online shopping telco includes shopping websites selling apparels, accessories, shoes, bags, Telco companies in Singapore such as M1, Singtel, Starhub, Circles.Life and MyRepublic
      • There is no spending requirements to qualify for the unlimited 1% cashback
      • There is no cap for cashback

      How to Apply for CIMB AWSM Card

      These are the Required Documents to apply for CIMB AWSM, with these documents, you can Apply Online or Visit CIMB .

      • A photocopy of applicants NRIC (both sides)
      • For Salaried Employees: Latest computerised payslip, or CPF History Statement (for past 12 months) or Latest Income Tax Notice of Assessment
      • For Self-Employed: Latest 2  years income tax notice of assessment AND Bank Statement (for 3 months)
      • For Comissioned or Variable Income Earners: Latest 2 years income tax notice of assessment OR CPF Contribution History Statement (for past 12 months)
      • For Tertiary Students: A photocopy of NRIC (both sides) of applicant AND A photocopy of applicant's Student ID Card/Student Card/Matriculation Card (front)
      • For NSF: A photocopy of SAF / SPF / SCD 11B Identification card (both sides)
      • For Applicants below 21 Years Old: A photocopy of NRIC (both sides) of applicant's parent / guardian. Applicants below 21 cannot opt to apply online.

      About CIMB

      CIMB Group is a leading ASEAN universal bank as well as the world leader in Islamic finance. They are headquartered in Kuala Lumpur, Malaysia. CIMB offers consumer banking, commercial banking, investment banking, Islamic banking and asset management products and services. CIMB have around 14 million customers and made up of 36,000 staff.