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Personal Banking > Personal Financing > Personal Financing
Personal OD secured by Fixed Deposit (FD)  
This facility allows you to withdraw additional funds quickly and conveniently from your current account when required.

Features and Benefits:
No fixed monthly repayment, interest is charge based on utilization amount only.

Acceptable collateral: Fixed Deposit

Flexible cash withdrawal anytime via chequebook, ATM machine or at any of CIMB Bank branch

* Subject to approval

Terms & Conditions Apply


Individual aged 21years old and up to 70

Minimum pledge collateral of RM10,000
Malaysian and Non Resident of Malaysia with PR status and resides in Malaysia


These documents must be submitted along with the application form at any of the nearest branches. The bank reserves the right to request for additional documents where deemed necessary

Photocopy of NRIC

Original copy of collateral/certificate
Latest 3 months Payslip / B Form / BE Form / EA Form
6 months latest Bank Statement for self employed

Individuals aged 21 to 70 years old
Minimum pledge collateral of RM10,000
Prime Current Account
Rates (% p.a)
First 5,000 0.00
Next 5,001 to 50,000 0.60
Next 50,001 to 100,000 1.20
Next 100,001 to 500,000 1.60
Above 500,000 2.00

Collateral Type
Interest Rate
Personal Credit Line (OD)
OD Against Fixed Deposit (FD)
Private Banking
BLR - 2.0%
Prime Banking
Mass Market

*BLR as at July 2014: 6.85%


1 Letter of Offer - Stamping RM 10 stamping fee on Letter of Offer
2 Supplementary Letter of Offer Nominal stamping of RM10.00

The stamp duty charged will be debited from customer’s approved loan account
3 3rd Party MOD - Stamping (if applicable) Nominal stamping of RM10.00

All stamp duty to be borne by borrower.


For Assistance
Call us at 1300 880 900 or
+603 22956100
Email us at
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