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Benefits & Privileges

Earn Profit Flexibility Additional Benefits
Earn Profit
Additional Benefits


  • Individuals aged 18 years and above
  • Joint account is allowed

Protected by PIDM up to RM250,000 for each depositor. To view PIDM's brochure, click here.


  • NRIC or passport
  • Minimum deposit placement of RM5,000 for a tenure of 1 month and RM1,000 for tenures of 2 to 60 months
  • Deposit increment in multiples of RM1

Profit Rates

Based on the Shariah concept of Tawarruq.

Fees and Charges

Terms and Conditions

Important Notes

Withdrawal is allowed at a minimum of RM1,000 and in multiples of RM1,000 under the same account number. Applicable for new and renewed FD-i account effective 18 January 2015 onwards.

Upliftment/Withdrawal before maturity is allowed through a rebate or Ibra’ clause whereby the customer agrees to give rebate in case of early demand of Murabahah Sale Price. Amount uplifted/withdrawn will be subjected to the following conditions:


  1. For FD-i placements/renewals from 1 November 2018 onward:

    No profit will be paid for the withdrawn amount.

  2. For FD-i placements/renewals prior to 1 November 2018:

    i. FD-i for 1 to 3 months' tenure
    No profit will be paid for any fully or partially* withdrawn amount before the completion of its tenure.

    ii. FD-i for 4 months' tenure and above
    Before Completion of 3 months
    No profit will be paid for any fully or partially* withdrawn amount.

    After Completion of 3 months
    For any fully or partially* withdrawn amount, half the profit of the contracted rate for each completed month of the withdrawn amount is payable.

    *Profit on the contracted rate is payable for the amount that is not withdrawn.


     3. Partial withdrawal is currently not available via CIMB Clicks.