The indicated rate is annual purchase rate for the CIMB Visa Gold product. To receive this rate you are required to consecutively for 12 months settle the minimum balance when due. Otherwise rates from 17% p.a to 18% p.a may apply. The card has 20 interest free days applicable for new purchases or retail transactions from the statement date.  Please note the cash transaction charges are charged at 18% p.a and the card is available for both Visa and Mastercard. It also requires a minimum income requirement of RM24,000 per annum to qualify. For exact conditions, charges and application form please visit the CIMB bank website.