There is not saperate fee.
When i using old card, red card with no debit function,
My annual fee is RM8, after now change to new pin card
Annual fee become RM15, same saving account

can try this https://www.imoney.my/articles/credit-card-numbers or use this? >> https://www.cimbbank.com.my/en/personal/ban...calculator.html or http://www.akpk.org.my/tools/calculators/calc/content_3

that's is why always pay full by due date. simple.

Does other bank practise similarly?

that's not full, in terms of cimb*. it was current outstanding that u referred to.

what I was referring is the statement balance, which is fixed regardless of any payment or cb credited later (where current outstanding would fluctuate).

always pay according to statement balance is easier and less headache to manage/remember. *yes, cimb is the odd one that doesnt treat cb as payment. probably because it was system-triggered, not actual payment from user. 

This is from April 1st, 2017 TnC:

13. Financial Charge
(iv) Any unpaid balance arising from the purchase of goods and/or services and/or cash advances as at the Due Date shall be subject to the finance charges until full repayment of the outstanding amounts.
(v) The finance charges shall be chargeable on the balance that remains outstanding in the account from the preceding monthly billing statement date arising from the purchase of goods and/or services and/or cash advances, which shall be calculated on a daily rest basis.

14. Late Payment Fee
Notwithstanding Clause 13(a)(iii), if the Cardholder fails to make the minimum payment due on the due date, a late payment charge of 1% on the total outstanding balance (subject to a minimum of RM10.00 and a maximum of RM100.00 or such other limit which the Bank may decide provided that such limits decided by the Bank do not exceed those prescribed by the Applicable Laws and Regulations) will be charged for each month that the minimum payment due is not paid. This late payment charge is imposed by way of liquidated damages and not as a penalty and shall be payable before, as well as after any court order or judgement. The Bank shall however grant the Cardholder a grace period of four (4) calendar days after the payment due date where the payment due dates fall on a weekend or a public holiday.

are you sure the interest was charge based on the RM10k transaction?

dont think they will calculate at this way
are you sure about that ?
never see any bank in msia runing this way ,even foreign or local
how did you get the calculation ?

From cimb website

Finance Charges Free Period
Full payment on previous statement balance:

Enjoy an interest-free period of 20 days for all new retail transactions from statement date.
Partial or minimum payment on previous statement balance:

No interest-free period.
A finance charge will be levied on your unpaid outstanding balance and all new transactions from the date the transactions are posted.

Mind to share ur statement for study ?

do share the excel file here, but remove your info and card number 1st

So all banks have changed or adopted a new way of charging interest?
And it is slightly unfair or disadvantage to consumers even though you have made some partial payment before statement date.