CIMB AWSM Card Review: What's the Verdict?

CIMB AWSM Card
CIMB AWSM Card

CIMB AWSM Card Review: What's the Verdict?

Best cashback card for salaried young adults who make less than S$30,000 per year

Good for

  • Those who earn S$18,000 to S$30,000 per year
  • Young adults who spend mostly on dining, entertainment, shopping and mobile bills

Bad for

  • Students or NSF
  • Young adults who earn at least S$30,000 per year

Editor's Rating

4.0/5.0

For young adults or first time employees with very little income (i.e. S$18,000 to S$30,000), CIMB AWSM Card could be the best credit card to get. First, it is the only card that is available for salaried employees who make less than S$30,000 per year. Furthermore, its 1% rebate on dining, entertainment, online shopping and telco bills is quite generous and nicely fits the spending pattern of most young adults age under 35. However, students or NSFs could find a better deal with Maybank eVibes Card that provides 1% rebate on all your purchases and doesn't charge an annual fee.

CIMB AWSM Card's Features and Benefits:

CIMB AWSM Card Benefits & FeaturesDetails
Annual Fee
  • S$0.0
Annual Income Requirement
  • S$0.0 for students and NSFs age 18-29 years old
  • S$18,000 for salaried employees age below 35
  • S$30,000 for salaried employees age 35 and above
Card Details
  • 1% rebate on dining, entertainment, online shopping & telco
  • S$500 credit limit
  • No cap on rebates

How does the CIMB AWSM Card Compare Against Other Cards?

Read our comparisons of CIMB AWSM Card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

A graph displaying how CIMB AWSM Card compares to other student credit cards in Singapore in terms of their rewards
CIMB AWSM Card vs Other Cards by Dollar Value*

CIMB AWSM Card vs Maybank eVibes Card

CIMB AWSM Card
CIMB AWSM Card

Maybank eVibes Card is the best credit card for students and NSFs with no income. Not only does it waives its S$5 of service fee for anyone who uses the card once every 3 months, it also provides a rebate of 1% on all your purchases. However, Maybank eVibes Card is strictly for those students and NSFs, so salaried young adults with less than S$30,000 of income may still be better off with CIMB AWSM Card.

CIMB AWSM Card vs Maybank Platinum Visa Card

CIMB AWSM Card
CIMB AWSM Card

For low income consumers who still earn at least S$30,000 per year, Maybank Platinum Visa Card would be a great option to consider. As long as you spend just about S$1,000 per month (or S$300 per month), this card can help you earn a rebate of 3.33% on all your purchases, much higher than CIMB AWSM Card. Though its total rebate is capped at S$100 per quarter (S$400 per year), it is still likely going to be the most efficient way of earning credit card rewards for people who don't have a lot of money to spend.

Comments and Questions

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