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CIMB AWSM Card Review

Enjoy unlimited 1% cashback on select spend with this low income requirement credit card.

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Zyane Tan
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The CIMB AWSM Card is one of the few credit cards in Singapore that comes with a (comparatively) low age and annual income criteria. Designed for students and NSFs, this card is also an option for those earning less than $30,000 per annum.

With this credit card from CIMB, there’s no annual fee to worry about and, what’s more, you can earn unlimited 1% cashback on select spend categories and access special offers from both CIMB and Mastercard.

Read on to find out what you need to know about the CIMB AWSM Card.

Finder does not currently have access to this credit card provider. Please review the product details, application criteria and terms and conditions on the provider website if you are considering applying for this product.

Benefits of using the CIMB AWSM Card

When you use the CIMB AWSM Card, you get to enjoy these key benefits:

  • Unlimited 1% cashback on select categories. Earn 1% cashback on all your dining, entertainment, online shopping, and telecommunications expenses, with no earn cap or minimum spend.
  • No annual fee. You won’t need to pay an annual fee for the life of the card.
  • Transit ready with SimplyGo. With SimplyGo, you can pay for your transit fare conveniently by tapping your card, mobile or wearable payment (Apple Pay, Fitbit Pay, Google Pay and Samsung Pay) on the fare gantry.

Features of the CIMB AWSM Card

Here are some features you can take advantage of with this card:

  • CIMB deals & discounts. Access CIMB’s exclusive network across 1,000 dining, retail and lifestyle partners in Malaysia and Indonesia.
  • Exclusive Mastercard privileges. Benefit from a curated list of local and global perks and privileges across travel, culinary, shopping, sports, entertainment, arts and culture for Mastercard cardholders.

    How to apply

    If you would like to apply for the CIMB AWSM card, you can apply by completing an online application form on the card issuer’s website.

    You may choose to have your personal and income details retrieved via MyInfo if you’re a SingPass holder, or manually input your information.

    To ensure that your application runs smoothly, make sure you meet the following eligibility requirements and have the necessary information ready:

    Eligibility criteria

    • Must not be an existing CIMB credit cardmember
    • Earn at least S$18,000 p.a. if you’re a salaried Singaporean or permanent resident; or $30,000 p.a if you’re aged 35 and above
    • No minimum income requirement for student or NSF applicants.
    • Be at least 21 years of age; or between 18 to 29 years old if you’re a student or NSF.
    • Have a good credit rating.

    Required documents

    Frequently asked questions

    Bottom line

    The CIMB AWSM Card offers students, NSFs, and low-income working adults a good opportunity to earn cashback in key categories at a respectable 1% rate. On top of that, it is the only no-annual-fee credit card that is available to salaried employees earning just $18,000 p.a.

    As with all financial products, each comes with its own set of pros and cons, so make sure to compare your options carefully before applying.

    Compare other credit cards in Singapore

    Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
    HSBC Revolution Credit Card
    HSBC Revolution Credit Card
    Earn up to 10X Reward points or 4 miles per S$1 spent on qualifying purchases.
    Receive up to S$200 cashback. T&Cs apply. Ends 31 Oct 2021.
    S$0 annual fee
    S$30,000
    New cardholders will be awarded with up to S$200 cashback, S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$60 cashback. T&Cs apply. Ends 31 Oct 2021.
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    POSB Everyday Card
    POSB Everyday Card
    Enjoy up to 8% cash rebates on daily essentials such as groceries and online food delivery
    Get S$200 cashback with promo code ‘200CASH' when you apply online. T&Cs apply
    S$0 annual fee for the first 1 year and S$192.60 thereafter
    S$30,000
    Get S$200 cashback with promo code ‘200CASH' when you apply online via digibank or Myinfo with Singpass and charge a minimum of S$800 within 60 days from card approval date. T&Cs apply. Valid until 30 Sep 2021.
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    UOB PRVI Miles American Express Card
    UOB PRVI Miles American Express Card
    Earn 1.4 miles for every S$1 spent locally and 2.4 miles for every S$1 spent overseas.
    Get up to S$300 cash credit when you apply. T&Cs apply.
    S$0 annual fee for the first 1 year and S$256.80 thereafter
    S$30,000
    Enjoy up to 20,000 bonus miles if you charge S$50,000 to your card in a year. Apply today and enjoy free transfers to Changi Airport.
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    HSBC Visa Platinum Credit Card
    HSBC Visa Platinum Credit Card
    Earn 1 Reward point for every $1 on all spend.
    Up to 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least S$600.
    S$0 annual fee for the first 2 years and S$192.60 thereafter
    S$30,000
    New cardholders will be awarded with up to S$200 cashback, S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$60 cashback. T&Cs apply. Ends 31 Oct 2021.
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    KrisFlyer UOB Credit Card
    KrisFlyer UOB Credit Card
    Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot and KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
    Receive up to 3,000 miles and up to S$300 cash credit when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date.
    S$0 annual fee for the first 1 year and S$192.60 thereafter
    S$30,000
    Receive up to 3,000 miles and up to S$300 cash credit when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 30 Sep 2021.
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    UOB EVOL Card
    UOB EVOL Card
    Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel.
    Up to 8% cashback on online and mobile contactless spend.
    S$192.60 annual fee
    S$30,000
    Receive up to S$300 cash credit when you apply for a new UOB EVOL Credit Card and spend a minimum of S$1,500 within 30 days from card approval date. First 100 successful applicants. T&Cs apply. Ends 30 Sep 2021.
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    UOB Lady's Card
    UOB Lady's Card
    Earn 10X UNI$ (or 20 miles) per S$5 spent on a chosen spending category with no min. spend required, and 1X UNI$ (or 2 miles) on other purchases.
    Receive up to S$300 cash credit when you apply for a new credit card. T&C apply.
    S$0 annual fee for the first 1 year and S$192.60 thereafter
    S$30,000
    Receive up to S$300 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 30 Sep 2021.
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    HSBC Advance Credit Card
    HSBC Advance Credit Card
    Receive up to S$200 cashback when minimum spend requirements are met.
    Enjoy up to 3.5% cashback on all purchases with no minimum spend
    S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and S$192.60 thereafter
    S$30,000
    New cardholders will be awarded with up to S$200 cashback. S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$60 cashback. T&Cs apply. Ends 31 Oct 2021.
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    UOB One Credit Card
    UOB One Credit Card
    Receive up to S$300 cash credit when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date.
    Up to 10% cashback with some merchants including Grab,7-Eleven and Cold Storage; 6% for Singapore Power Utilities bills; and 5% back on all other retail spending.
    S$0 annual fee for the first 1 year and S$192.60 thereafter
    S$30,000
    Receive up to S$300 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&Cs apply. Ends 30 Sep 2021.
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    American Express Singapore Airlines KrisFlyer Ascend Credit Card
    American Express Singapore Airlines KrisFlyer Ascend Credit Card
    Earn 1.2 KrisFlyer miles per S$1 spent on local purchases, with no cap.
    N/A
    S$337.05 annual fee
    S$50,000
    Get a complimentary stay at Sofitel Singapore Sentosa Resort & Spa, Luxury Room (worth up to S$460++) when you spend S$5,000 within the first three months and an additional 10,000 KrisFlyer miles if you are new to American Express. T&Cs apply. Ends 30 Sep 2021.
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    UOB PRVI Miles Visa Card
    UOB PRVI Miles Visa Card
    6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
    Receive up to S$300 cash credit when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date.
    S$0 annual fee for the first 1 year and S$256.80 thereafter
    S$30,000
    Receive up to S$300 cash credit (for first 100 successful UOB customers applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 30 Sep 2021.
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