• Credit Line Secured Overdraft

Wider range of accepted collateral

i.e. CIMB Fixed Deposit, CIMB Unit Trust, CIMB Structured Product, Floating Rate Negotiable Instruments of Deposit (FRNID), Negotiable Instruments of Deposit (NID), Acceptable External Unit Trust, ASB.

Flexible cash withdrawal


Withdraw anytime via chequebook, ATM machine or at any of CIMB Bank branch

No fixed monthly repayment

Interest is charged based on utilization amount only. You can settle the monthly interest and the principal amount anytime you wish. 


  • 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
  • For fixed salary earners with no variable income - Latest 1 month Payslip / Latest EPF statement /  Latest Bank statement (salary credit)
  • For fixed salary earners with variable income - Latest 3 months Payslip / Latest EPF statement /  3 months Bank statement (salary credit)
  • 6 months latest Bank Statement for self employed

Facility Overdraft Type  Segment Interest Rates
Credit Line Secured Overdraft   Personal OD Secured By Fixed Deposit Private Banking/Preferred/Prime Banking/Mass Market BR + 1.10%
Personal OD Secured By Multiple Collateral Preferred/Prime Banking BR + 1.60%
Personal OD Secured By Amanah Saham Bumiputera Private Banking/Preferred/Prime Banking/Mass Market BR + 1.60%


  Products/Items Charges
1 Letter of Offer - Stamping As per stamp duty act
2 3rd Party MOD - Stamping (if applicable)

Nominal stamping of RM10.00

All stamp duty to be borne by borrower.

3 Documentation Fee (applicable for Personal OD Secured by Amanah Saham Bumiputera only) RM100.00