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Enjoy $100 cashback*** & a complimentary Nespresso coffee machine (worth $209)**

Apply now and activate your card to receive these welcome gifts!

 

Key benefits at a glance

 

Enjoy one of the longest interest-free working capital

 

  • 0% interest for up to 114 days1 with 1% processing fee (EIR up to 4.47%* p.a.)
  • Fast approval and instant cash disbursement
  • Flexible loan amounts with no additional documents required

 

Get extended interest-free repayment on all your credit spends

 

  • 0% interest for up to 113 days2
  • No additional fees

 

Maximise your savings with zero FX fees

 

  • No foreign currency and administrative fees for all overseas spend made in foreign currencies.
  • No hidden fees 

Smart borrowing made simple

 

Borrow only what you need, when you need it and save more on financing costs to reinvest in growing your business.

 

0% interest up to 114 days with only a 1% processing fee (EIR up to 4.47%* p.a.) — no additional documentation required, no fixed loan amounts, and no restrictive company criteria.

 

Illustration example:

A business owner draws down instant cash for his working capital needs twice in a year with his CIMB Founders card, and enjoys savings as compared to an SME term loan with another bank.

 

 

CIMB Founders Card

Working Capital

Bank A

SME Term Loan^
Loan 1 amount S$40,000 S$60,000
Loan 2 amount S$20,000 -
Annual card service fee S$338 S$0
Processing fee

1%

(EIR up to 4.47%* p.a.)

 0%
Interest payable 0% up to 114 days 7% p.a.
Total processing fee paid S$600 S$0

Total interest paid

(based on 114 days)

 S$0 S$1,311
Total paid S$938 S$1,311
Savings when you use CIMB Founders Card N.A. S$373

Note: Figures are illustrative and based on market data as of 13 October 2025. Actual benefits may vary.

How does the “Up to 114 days zero interest on working capital loan” work?

The zero-interest period includes:

  • 3 statement months from date of approved working capital loan; and
  • 23 days from the statement date to the payment due date

 

Here’s how this works in practice:

 

For working capital loans, the approved loan amount will only be posted and billed to your account on your 3rd statement month from the approval date. Once it reflects on your credit card statement, you will have an additional 23 more days (standard interest-free period for CIMB credit cards) to make payment by the due date that is stated within the statement.
 

The above assumes no overdue outstanding balances on your account.

 

Should the loan amount be approved on the same day as the billing month (e.g., 24th of the month), that will be considered the first statement month. If the loan amount is approved prior to or after the billing month (e.g., 21st August), the next billing statement (e.g. 24th August) will be considered the first statement month.

 

However, the actual number of interest-free days may vary depending on your loan approval date, and may be shorter than 114 days. See examples shown below:

 

Working Capital examples:

 

For Example: If your Founders Card billing statement is on 24th cycle. Scenerio 1 Scenerio 2
Working Capital draw down request approved on 24 February 2025

25 June 2025
Posting Date (based on 3 statement cycles from date of approved working capital) 24 April 2025 24 September 2025
Statement Month (transaction will be billed for payment)  24 April 2025  24 September 2025
Statement Due Date (23 days interest-free period) 17 May 2025 17 October 2025
Interest-free period 82 days 114 days

Note: The above illustrations are based on full and prompt repayment.
 

Stretch your cash flow

 

Enjoy 0% interest up to 113 days on retail purchases2, giving you the flexibility to stretch payment cycles and keep cash flow healthy.

 

Illustration example:

A customer is looking to purchase a product at S$5,000 to be repaid only after 113 days and have no overdue outstanding charges on the card.

 

  CIMB Founders Card Bank A Credit Card^^
Retail amount S$5,000 S$5,000
Interest rate

0% up to 113 days

27.8% p.a. thereafter

 27.8% p.a.

Interest payable

(based on 113 days)

 S$0 S$221
Total paid S$5,000 S$5,221
Savings when you use CIMB Founders Card N.A. S$221

Note: Figures are illustrative and based on business credit card market data as of 10 October 2025, calculation of the interest payable for Bank A Credit Card over 113 days includes an assumed interest-free period of 55 days. Actual benefits may vary.

How does the “Up to 113 days zero interest retail transaction” work?

The zero-interest period includes:

  • 60 days from retail transaction date before posting,
  • Up to 30 days until your statement is issued, and
  • 23 days from statement date to the payment due date


Here’s how this works in practice:
 

For retail transactions, your purchase is posted to your account after 60 days from the transaction date. After the transaction is posted, it will be reflected in your next credit card statement. Once it reflects on your credit card statement, you will have an additional 23 more days (standard interest-free period for CIMB credit cards) to make payment by the due date that is stated within the statement.
 

The above assumes no overdue outstanding balances on your account.
 

However, the actual number of interest-free days may vary depending on your transaction date and may be shorter than 113 days. See examples shown below:

Retails transaction examples:

 

For Example: If your CIMB Founders Card billing statement is on 24th cycle. Scenerio 1 Scenerio 2
Retail Transaction Date 25 June 2025

26 June 2025
Posting Date (based on 60 days from transaction date) 24 August 2025 25 August 2025
Statement Month (transaction will be billed for payment)  24 August 2025 24 September 2025
Statement Due Date (23 days interest-free period) 16 September 2025 17 October 2025
Interest-free period 83 days 113 days

Note: The above illustrations are based on full and prompt repayment.
 

Features & Benefits

Instant Cash, Zero FX Fees
Business Benefits
Travel Benefits
Lifestyle Benefits

Get started

 

Step 1

Apply for CIMB Founders card here.

Step 2

View your available working capital in CIMB Clicks Mobile App and enter your desired loan amount.

 

Pay a one-time 1% processing fee and enjoy 0% interest charged for up to 114 days.

Step 3

Receive the funds in your bank account within minutes.

Eligibility

Get 0% interest for up to 114 days¹, instant cash¹ whenever you need it and zero FX fees!

Minimum annual income (Singaporean/ Singapore PR/ Malaysians):

 

  • For Sole Proprietor/ Self-employed/ Business Owner/ Independent Contractor: S$30,000
  • For all others: S$50,000
  • Applicants who do not meet the minimum income requirement can submit a Fixed Deposit collateral of at least S$10,000

 

Minimum age:

  • Principal applicant: From 21 to 70 years old
  • Supplementary applicant: From 18 years old

 

Fees & Charges

  • Annual card service fee (non-waivable, inclusive of prevailing GST): S$338
    • Free for Supplementary card(s)
  • Add-on fee for Metal card (non-waivable, inclusive of prevailing GST): S$100
    • Applicable to both Principal and Supplementary cards

 

Click here to see fees and charges for CIMB Founders Card.

 

Documents required for application

Required documents (non-returnable)


1. Principal and Supplementary applicants

  • Singaporeans/ Permanent Residents: Photocopy of both sides of NRIC
  • Malaysians: Photocopy of passport and work permit with at least 6 months of validity at the time of application

 

2. For salaried employees

  • Latest computerised payslip, or
  • CPF Contribution History Statement for the past 12 months, or
  • Latest Income Tax Notice of Assessment and CPF Contribution History Statement for the past 12 months or latest computerised payslip

 

3. For the self-employed/ sole proprietor/ business owner/ independent contractor

  • Income Tax Notice of Assessment for latest 2 years;
  • Optional: Business’ bank statement for the past 6 months (only applicable to single owner)

 

4. For commissioned or variable income earners

  • Income Tax Notice of Assessment for the latest 2 years, or
  • CPF Contribution History Statement for the past 12 months, or
  • CPF monthly payouts history statement or personal bank statement in SGD showing CPF Life Payout

 

5. For Malaysians working in Singapore

  • A copy of latest billing proof with stated Singapore residential address (latest one month bank statement, latest handphone bill or latest notice of assessment) 

Terms & Conditions

*Effective Interest Rate (EIR) is computed assuming prompt repayment by payment due date as reflected in the 3rd billing statement from the date of approval.

 

**Image is for illustration purposes only. Cup not included. Terms & Conditions governing the CIMB Founders Card welcome gift applies. Please click here for the full terms and conditions.

 

***Terms & Conditions governing the CIMB Founders Card S$100 cashback promotion applies. Please click here for the full terms and conditions.

 

^Subject to qualifying criteria met. Applicable to business entities only. Assumes to have no processing fee and a one-year tenure with interest payable calculated up to 114 days based on simple interest calculation on a 365-day year and monthly repayment is made timely.

 

^^Subject to qualifying criteria met. Applicable to business entities only. Assumes no minimum payment is made and simple interest calculation applied, based on a 365-day year.

 

1Working Capital loan is subject to a 1% processing fee (EIR up to 4.47% p.a.). Terms & conditions of the CIMB Founders Card Working Capital and CIMB Cardmember’s Agreement apply. 

 

2Terms & Conditions apply. Please refer to CIMB Cardmember’s Agreement here. 

 

3Offer is valid till 15 January 2026. All offers are subsidised by Mastercard and are not direct offers from respective golf clubs.

 

CIMB may have right of review (RoR) clauses in the terms and conditions governing your product and/or service relationship with our bank. Please refer to the Notification of Right of Review Clause for more information.

 

CIMB Founders Card Working Capital Terms & Conditions
CIMB Cardmember's Agreement

FAQs

How fast will I receive the Working Capital Loan after applying via CIMB Clicks Mobile App?

The loan is disbursed instantly upon approval using your available credit limit and each application is subject to the approval of CIMB in its absolute discretion.
 

Is there a processing fee for using the Working Capital Loan feature?

Yes, a 1% processing fee (EIR up to 4.47% p.a.) will be charged upfront and deducted from the approved loan amount before it is credited to your account.
 

For example, if you apply for a loan of S$50,000, and there's a 1% processing fee, the processing fee will amount to S$500. This processing fee is deducted upfront, so the net amount credited to your account will be S$49,500.

Are there any foreign currency or admin fees when I spend overseas?

There is no foreign currency and administration fees charged for all eligible overseas spend made in foreign currencies with CIMB Founders Card.
 

Do I have to pay any annual fees to apply for this CIMB Founders card?

There is an annual card service fee of S$338 which will be charged in your first billing statement and on each anniversary month for subsequent years for principal cardmembers. This annual card service fee is non-waivable. Free for supplementary cards.

Do I have to pay an extra fee for CIMB Founders Card Metal Edition?

For CIMB Founders Card Metal Edition, an additional S$100 add-on fee applies upon first billing statement and each card renewal for both principal and supplementary cards. This add-on fee is non-waivable.
 

 

View the full list of CIMB Credit Card FAQs here.

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