This page is retained for checking past conditions and outstanding rewards. See current offers.
Withdraw before maturity and the campaign terms provide no return.
Am I eligible, and what must I commit?
- Who qualifies
- New or existing customers aged 18+ with active CIMB Clicks and an eligible linked CIMB account.
- Deposit requirement
- RM1,000 minimum per placement, through the campaign’s Clicks/OCTO route. Own CIMB funds or FPX from another bank qualify.
- Spending requirement
- No purchase or card-spending condition.
- Rates, caps & limits
- 3 months: 3.40%; 7 months: 3.70%; 12 months: 3.80%; 15 months: 3.83% p.a. Transfer limits apply; no separate cashback.
- Campaign period
- 29 September–3 November 2026, subject to notified changes.
- When you receive it
- At maturity. One promotional cycle; automatic renewal uses the prevailing board rate. Early withdrawal must be in full and earns no return.
The campaign page and October terms are published for 29 September–3 November 2026. Check the campaign and available rate on your placement screen.
What to do, and by when
- Check that your CIMB Clicks access and eligible linked account are active. This personal guide does not cover corporate eligibility.
- Use the campaign link in Clicks, or OCTO → Apply → Fixed Deposit / Fixed Deposit-i – Maturity Returns. Choose the campaign, tenure and at least RM1,000.
- Fund from your own eligible CIMB account or through FPX. Check the receipt and save the maturity/renewal instruction.
What could this mean in ringgit?
Illustration: RM5,000 × 3.80% for 12 months ≈ RM190. The actual 3-month option at 3.40% would be approximately RM42.50 on RM5,000. Those amounts cover different periods; neither is a monthly payout.
What could reduce or remove the benefit?
- The campaign excludes eFD-i Monthly Returns and Why Wait variants. Similar product names do not mean the same offer.
- A failed FPX placement is refundable within seven business days under these terms. Contact the bank if that deadline passes.
- The linked and deposit accounts must remain eligible; closure, cancellation or other disqualifying account status can forfeit the return.
If you withdraw, or the offer ends
Early withdrawal requires full upliftment and earns no return under this campaign. At maturity the campaign applies for one cycle only; automatic renewal uses the then-prevailing board rate. Review renewal instructions before the maturity date.
Who might find it worthwhile?
Suitable to compare when you can leave the money untouched for the chosen tenure. The fifteen-month annual rate is slightly higher than the twelve-month option, but its later maturity may be less useful for your plans.
When to skip it: Skip a tenure that runs beyond a planned expense. This campaign is not suitable if you need monthly income from the deposit or expect a partial withdrawal.
Keep evidence and get help
Keep the exact product variant, campaign rate, placement receipt, linked account, maturity date and chosen payout instruction. At maturity the return can go to the linked account or be added to principal according to the selected instruction.
Terms to check before joining
Check that the placement screen names this campaign and the maturity-return product. Save the agreed rate, tenure and renewal instruction.