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Cim Finance offers MasterCard and Visa credit cards, which are accepted in Mauritius and worldwide. These cards are equipped with a secure chip and a personal identification number (PIN), which make it a safe means to make purchases or withdraw cash and pay later in instalments.
You can settle either :
You can pay either:
Any individual over 18 years of age can obtain a credit card provided his/her application is accepted by Cim Finance. You will be given a credit limit according to your repayment capacity.
Cim MasterCard, Visa Classic / Gold et MasterCard Titanium
Cim MasterCard et Visa Business
The Cim Finance credit card allows its holder :
Call our hotline (230) 208 9090 and follow the instructions:
Call at one of our sub-offices with your ID card, a recent payslip or bank statement dating from less than 3 months.
First, contact us immediately by phone on 2089090. Cim Finance provides a 24/7 service. Then, as soon as possible, call at one of our sub-offices, with your ID card, to fill in the appropriate form. Moreover, a police report will be required in case of theft, detection or suspicion of fraud.
If you forget your PIN code, contact us on 208 9090 or call at one of our sub-offices to apply for a new PIN code. Thereafter, your new PIN code will be mailed to you.
You have to call at one of our sub-offices with your credit card. Our customer service representative will guide you in the process of change of your PIN code to a new one.
Fill in the ‘Notification of Change of Address’ section at the back of your monthly statement and mail it to our main address or call at one of our sub-offices with a recent proof of address (CEB/ CWA/ MT bill) in both cases.
Fill in the appropriate form, available at one of our sub-offices.
The fees for credit cards are as follows:
Les frais rattachés à la carte sont comme suit :
| Card | Annual fees |
|---|---|
| Cim Classic cards | Rs 200 + VAT |
| Cim Gold cards | Rs 700 + VAT |
| Cim Titanium MasterCard | Rs 200 + VAT (monthly) |
| Cim Business cards | Rs 700 + VAT (per card) |
Cim Finance Bonus Program 2016-2017 helps you win bonus points that can be exchanged against cash-back or vouchers cards. Each rupee you spend entitles you to one bonus point when you pay your purchases with your Cim Finance credit card.
An additional credit card bears the same characteristics as other credit cards, namely the chip and PIN code. It is issued in the name of the card holder or a specific person (spouse, child...) and the credit limit can be specified. It is also offered to people who want to limit risks on online transactions at a lower cost. To apply for an additional card, you just have to call at one of our sub-offices, with your ID card. If the card is to be issued to another person, his/her ID card is also needed. As main cardholder, you are liable for additional cards and can specify the credit limit.
| Card | Annual fees |
|---|---|
| Cim Classic cards | Rs 100 + VAT |
| Cim Gold cards | Rs 500 + VAT |
| Cim Titanium MasterCard | Rs 100 + VAT (monthly) |
As a holder of a Cim Titanium MasterCard, you can enjoy the MasterCard Airport Experiences provided by MasterCard Travel Pass, which gives you instant privileged access to more than 1200 airport lounges across 135 countries.
A fee of USD 32 per person per visit will be debited thereafter from your designated payment card.
Note:
Terms & conditions apply and the Legal policies are available on the MasterCard Travel Pass app. Number of available lounges and entitlement will vary depending on card type such as Debit, Credit, Prepaid, Business or card tier such as Titanium, Platinum, World, World Elite MasterCard. Lounges may change and the latest list is kept updated on the app.
Access entitlement and fees will be charged to your Cim Finance MasterCard card. Fees are at USD 32 (subject to change) for each member and each guest per visit.
Important: the 'Unlimited free visits' mentioned in the membership section does not apply to Cim Finance
*Lounge access can be validated with the QR code or membership number (available online and offline) on your app. Each cardholder, primary and supplementary, should show their individual QR code (by registering their cards separately using individual email IDs).
Lounge access is powered by Dragon Pass.
Link to FAQ of MasterCard Ptravel Pass: https://mastercardtravelpass.dragonpass.com/faq
Link to MasterCard Travel Pass Terms of Use: https://mastercardtravelpass.dragonpass.com/terms-of-use
Link to DragonPass Privacy Policy : https://mastercardtravelpass.dragonpass.com/privacy-policy
Depending on your card, you are offered a travel insurance cover. Contact us if you need a certificate of insurance. In an emergency, don’t panic! Your card entitles you to assistance in the event of hospitalisation or repatriation. Use the Emergency Assistance card and call (230) 4055805.
If you pay your plane tickets with a Cim Finance Gold or Business credit card, the insurance cover is free. If you do not pay your tickets with a Cim Finance Gold or Business credit card, contact us on 208 9090 or by email at [email protected] for a quote.
When you use a MasterCard Titanium credit card, your insurance cover is free.
An account statement is a useful means to manage your card account and the legal proof of all transactions made with your credit card. It is sent once a month to allow cardholders to keep their accounts up to date. However, if no transaction has been made on your card, you will not receive any statement.
An account statement highlights:
When you receive your monthly statement, you should always check that the transaction items are correct, by comparing the sums stated with your purchases/transactions. If you find an error (unexplained transaction/wrong amount), inform the Card Department of Cim Finance.
Depending on your card, you have a free travel insurance cover. Contact us if you need a document to certify that you are insured. In case of emergency, do not panic! This card entitles you to assistance in hospitalisation and repatriation. Use the “Emergency Assistance” card and call +230 2067850.
Travel Insurance Coverage
| Benefits and applicable conditions | With the purchase of the air ticket with the Cim Finance credit card | With the purchase of the air ticket without the Cim Finance credit card |
|---|---|---|
| Business (Click Here) | Free | Please contact us at 208 9090 or by email at [email protected] for a quote |
| Gold (Click Here) | Free | Please contact us at 208 9090 or by email at [email protected] for a quote |
| Titanium (Click Here) | Free | Please contact us at 208 9090 or by email at [email protected] for a quote |
| Annual fees | Rs 200 + TVA |
| Additional Credit card | Rs 100 + TVA |
| Interest rate on balance due | 2.1% per month (25.2% per year) |
| Fees for card replacement | Rs 100 + VAT |
| Increase in credit limit | Rs 50 |
| Penalties for late payment | % of amount due, with a minimum of Rs 150 |
| Penalty for exceeding the credit limit | 1% of amount exceeded, minimum of Rs 150 |
| Charges on cash advance | 2% of amount withdrawn (minimum Rs 100) |
| Interest rate on cash advances | 2.1% per month (25.2% per year) |
| Charges on quasi-cash* transactions | 2% of amount withdrawn (minimum Rs 100) |
| Interest rate on quasi-cash* transactions | 2.1% per month (25.2% per year) |
Cim Finance offers all MasterCard and Visa credit cards, which are accepted in Mauritius and worldwide. These cards are equipped with a secure chip and a personal identification number (PIN), which make it a secure means to make purchases or withdraw cash and pay later in installments.
| Interest rate on balance due | 2.1% per month (25.2% per year) |
| Fees for card replacement | Rs 100 + VAT |
| Cash advances | 2% of amount withdrawn (minimum Rs 100) |
| Interest rate on cash advances | 2.1% per month (25.2% per year) |
| Increase in credit limit | Rs 50 |
| Penalty for exceeding the credit limit | 1% of amount exceeded, minimum of Rs 150 |
| Penalties for late payment | 1% of amount due, with a minimum of Rs 150 |
| Charges on cash advance | 2% of amount withdrawn (minimum Rs 100) |
| Charges on quasi-cash* transactions | 2% of amount withdrawn (minimum Rs 100) |
| Interest rate on quasi-cash* transactions | 2.1% per month (25.2% per year) |
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