• Wide Range of Wealth Products

Our basic products and services are designed to provide you with higher rewards when you perform day-to-day banking for either yourself or your business. Experience convenience of banking via CIMB Clicks, get rewarded for every transaction and bank from the comforts of your home. Be recognised when you at over 120 CIMB Preferred Centers across ASEAN with your CIMB Preferred Visa INFINITE credit card. 

CIMB Preferred Current Account

A specially designed current account, where returns on your credit balance are calculated daily and credited into your account monthly.

  • Minimum initial deposit of RM1,000
  • Higher daily ATM withdrawal limit of up to RM10,000
  • Unlimited cash withdrawal at CIMB Preferred centers nationwide
  • Earn bonus points for monthly average balance
  • SMS alerts on account status

First 20,000

0.00%

Next 20,000.01 – 100,000

1.80%

Next 100,000,01 – 500,000

2.25%

Next 500,000.01 – 1,000,000

2.50%

Above 1,000,000

3.00%


 

CIMB Preferred Recognition Card that offers the member a full suite of unparalleled privileges and benefits.

  • Instant recognition and priority lane at all CIMB Preferred centers across ASEAN
  • Exclusive 15% off at Eraman
  • Complimentary access of up to 4x per annum to all Plaza Premium Lounges in Malaysia, and unlimited access to selected airport lounges across the region

 

CIMB Clicks

Enjoy the convenience of our Online Banking service, CIMB Clicks, whether you are at work, at home or traveling.

  • Manage your financial standing at the convenience of your home, workplace or on-the-go
  • Preferential rates for fund transfers to CIMB Preferred Account across the region
  • Preferential foreign exchange rates and service charge waiver for remittance services
  • Pay your bills online and on time
  • Access to financial tools, information and updates to assist customers in daily financial planning

Our core products will help ensure that your wealth portfolio is well-balanced and ready for growth.

Unit Trust (UT)

Invested in a portfolio of assets managed by professional fund managers

  • 11 Unit Trust Management Companies and more than 100 Unit Trust available
  • Risk: Typically moderate to high risk
  • Tenure: Typically medium to long term (3-5 years)
  • Minimum Investment: From RM 500
  • Exposure to multiple assets classes- Money Market, Bonds, Equity, Alternative
  • Invest in either MYR or Foreign Currency

Amanah Saham National Berhad – Variable Pricing

Provide you consistent dividend and capital appreciation through investments in Malaysia

  • Five Amanah Saham National Berhad Variable Pricing funds available
  • Risk: Typically moderate to high risk
  • Tenure: Typically medium to long term (3-5 years)
  • Minimum Investment: From 100 Units
  • Underlying Asset: Bonds and Equity

Private Retirement Scheme (PRS)

Boost your total retirement savings

  • On Shelf: Private Retirement Scheme : CIMB-Principal PRS Plus & CIMB Islamic PRS Plus
  • Investment Approaches :
    (1) Do-It-For -Me
    (2) Do-It-For -Myself
  • Risk: Typically moderate to high risk
  • Tenure: Long term for retirement planning
  • Minimum Initial Investment: RM 100
  • Currency Accepted: MYR

Structured Products

This investment alternative will allow you to access a wider range of markets and pay-out structures.

  • At CIMB Bank, Structured Products cover various underlying asset classes comprising:
  • Interest rate indices (e.g. KLIBOR)
  • Equity (e.g. single stock or indices)
  • Foreign Exchange
  • Commodities
  • Fixed Income

Retail Bonds

Investors looking for a regular income from selected notable bonds

  • Risk: Moderate to Aggressive
  • Tenure: No limit, depending on bond structure
  • Minimum: Less than notional 250,000 in respective currencies
  • Autonomy in selection of corporate bonds
  • Local and Foreign Currency
  • Flexibility to enter/exit investment on any valid trading day
  • Steady stream of income

 

Investors looking to buy gold commodities

  • Risk: Conservative
  • Tenure: Mid- Long Term
  • Minimum amount: 1 gram
  • Low and affordable initial investment
  • Potential hedge against inflation and weakening currency
  • Potential capital gains
  • Buy and sell whenever you want

Whether you are buying a home for your family or refinancing your existing one, we have the ideal package for you. Enjoy preferential rates, a high margin of financing and choose from various financing types to suit your down payment and repayment preferences. 

Share Margin Financing

A standby, revolving personal lending facility secured by collaterals shares trading on Bursa Malaysia.

  • Flexible financing limit – minimum amount RM50,000
  • High margin of financing – up to 60%
  • Free CDS transfer fee for up to 20 marginable Bursa counters (for redemption case only)
  • Acceptable Quoted Shares (Malaysia, Singapore, Hong Kong and US)

Multi Collateral Financing

This facility allows you to withdraw additional funds quickly and conveniently from your current account when required. It is available to customers, subject to a pledge of collateral acceptable to the bank.

  • Wider range of accepted collateral
  • Flexible cash withdrawal anytime via chequebook, ATM machine or at any of CIMB Bank branch
  • No fixed monthly repayment. Interest is charged based on utilization amount only.
  • Malaysia, Singapore, Hong Kong and US

Whether to purchase new properties or looking to refinance your overseas property, the Overseas Mortgage Financing is now here to lend you a helping hand. You can now enjoy a hassle-free way of purchasing property overseas and meeting other overseas financing needs with our wide range of financing options.

Reverse Repo

Leveraging investors to invest in retail bonds.

  • Risk:  Aggressive
  • Tenure: No limit, depending on bond structure
  • Minimum: Notional MYR 1 million
  • Opportunity to participate in corporate bonds market with less capital outlet
  • Potential higher return investment with leveraging risk
  • Exposure to foreign bonds in USD, SGD, GBP, and AUD
  • Min 1 month lock-in period. 

 

Trade in local and cross border markets conveniently via CIMB Clicks. Our online portal provides trading accounts to suit your needs and a dedicated Retail Equity Specialist (RES) is available to assist if you have any enquiries.


Clicks Trader Plus
• Zero brokerage fee for ONLINE BUY Bursa trades for 1-month. Click here for full Terms & Conditions
• Low brokerage fee at 0.21% when you trade RM100,000 online

 

Clicks Trader
• Low brokerage fee 0.0388% or RM8.88 or whichever is higher
• Search for real-time Bursa Malaysia charts and market information, and gain access to CIMB Group Research Reports

Our extensive selection of protection products cover both your wealth and your loved ones.

SunInvest

Enjoy comprehensive protection while growing your wealth. SunInvest is a single premium investment-linked plan that offers the best of both insurance protection and investment up to the age of 99.

  • One product that covers your investment needs, where local and foreign funds are available for your selection based on your financial objectives.
  • Investment with Insurance Protection of up to 125% of Single Premium
  • Guaranteed acceptance up to RM350K per Life Creditors proof / legacy for the beloved

Sun SaveAssured

A unique, non-participating endowment plan that helps you achieve your saving goals with guaranteed returns and guaranteed protection.

  • Guarantees 100% refund of the total premium payable upon policy maturity and includes a guaranteed return of up to 78% *of premium payable.
  • Provides protection with an additional 108% of sum assured for unfortunate incident of accidental death.
  • Offering an optional Waiver of Premium (WOP) benefit to ensure continuous protection against Critical Illnesses throughout the policy term.

SunLink

Regular premium investment-linked plan that offers a combination of insurance protection and potential investment return.

  • Investment flexibility for customers 
  • 3 FREE fund switches every policy year.
  • Hospitalisation & Surgical coverage with ZERO co-insurance & coverage of up to age 90.
  • Auto waiver for all premiums upon the unfortunate event of any 36 Critical Illnesses for either policy owner or life assured.

SunLink Istismar

A regular contribution investment-linked plan that offers a combination of Shariah Compliant investments to person covered for up to age 99. 

  • Investment flexibility for customers 
  • 3 FREE fund switches a year.
  • Auto waiver for all contributions upon the unfortunate event of any 36 Critical Illnesses for either contract holder or person covered
  • Payout of up to 4x of this rider’s sum covered upon diagnosis of Critical Illness in the 6 different groups of Critical Illness.

Sun MediDirect

Sun MediDirect is a conditional yearly renewable medical and health insurance plan that provides hospital benefits in the event that the life assured is hospitalised, has undergone surgery or becomes Total Temporary Disabled.

  • Hospital income benefit up to RM250 daily
  • Double hospital income benefit if you are confined to Intensive Care Unit (ICU) for a maximum of 30 days* per policy year
  • Family trauma benefit of up to RM3,000
  • Surgical expense with a fixed amount up to RM7,500
  • Total temporary disablement benefit of up to RM2,500

Legacy Planning

Legacy planning is a product in Singapore and we are not allowed to describe the product in details. We can only mention briefly on the benefits of legacy planning.

  • Discover ways to manage your time, talent and money to create a lasting impression on those you love and the causes you believe in.
  • Leave an income stream many times greater than its original value for your loved ones.
  • Speak with our Relationship Managers today on how CIMB Preferred can help customise our legacy planning solutions for you.

Sun Wealth is a savings insurance plan that provides you with that added assurance as it lets you save while enjoying increasing guaranteed annual cash payment year after year. It is designed specifically to help you achieve your financial goals no matter at which stage you are in life.

  • Guaranteed survival benefits every year with a total of up to 642%**
  • Lump sum payout of up to 228%** of basic annualised premium  when the plan matures.

Explore our specialised products to boost your potential returns. 

Dual-Currency Investments

Investors who have a natural need to purchase/sell foreign currencies or looking for a short-term investment with enhanced yields.

  • Risk : Balance
  • Tenure: 1 week to 1 year
  • Min. amount : RM100,000 or equivalent
  • Higher investment return (yield) as compared to regular timed deposits
  • Potentially better conversion rate than OTC
  • Wide array of currency to select from 

Equity-Linked Investments

Potentially buying equities at the agreed price while earning a higher coupon.

  • Risk: Moderate Aggressive/ Aggressive
  • Tenure: 6 months - 18 months
  • Minimum Amount: RM100,000
  • The shares listed on various exchanges 
  • Fixed coupon higher than the time deposit rate
  • Tenure can be potentially shorter if an Auto call event occurs before maturity

Commodity-Linked Investments

Investors can look for a short term investment with enhance yields through exposure to gold.

  • Risk: Moderate Aggressive
  • Tenure: 1 Week to 1 Year
  • Minimum investment: RM40,000 or the equivalent in USD or GIA units
  • Potential high coupon (enhance your returns) and may utilize non-yielding GIA holding to invest
  • Exposure to gold with customizable sale/purchase price
  • Investment denomination (principal) in either cash (MYR/USD only) or gold