• Fixed Deposit Promotion 2019

    A fixed deposit is a type of investment where you deposit a specific amount of money in a bank, and the bank offers you an interest on it that is paid at the end of your tenure.

    Top Banks Providing Fixed Deposit Promotions in 2019

    Public Bank Fixed Deposit Promotion 2019
    Public Bank FD Promo

    Under the PB Junior SA Campaign, Deposit RM500 in a PBBS/WISE Account. Set SI for 12 Consecutive Months to Qualify for PB Junior FD Campaign. Get a Promotional Rate of 4.35% p.a.

    Promo Ends on 31 March 2019

    View
    Hong Leong Fixed Deposit Promotion 2019
    Hong Leong FD Promo

    Get a special rate of up to 4.28% p.a. when you deposit a minimum of RM10,000 in an Online FD/Online FD-i Account for 3 or 6 Months.

    Promo Ends on 28 February 2019

    View
    RHB Fixed Deposit Promotion 2019 Malaysia
    RHB FD Promo

    Deposit a Minimum of RM10,000 for 5 Months in a Commodity Murabahah Deposit-i Account to Get a Promotional FD Rate of 4.25% p.a.

    Promo Ends on 28 February 2019

    View
    OCBC Fixed Deposit Promotion 2019
    OCBC FD Promo

    Open an OCBC Mi FD/Mi FD-i/FD/FD-i Account and Deposit a Minimum of RM10,000 for 12 months to Get a Promotional Rate of 4.15% p.a.

    Promo Ends on 19 February 2019

    View
    Bank Muamalat Fixed Deposit Promotion 2019
    Bank Muamalat FD Promo

    Enjoy Promotional Rate of 3.99% p.a. with a Minimum Deposit of RM10,000 in Fixed Term Account-i for 6 Months.

    Promo Ends on 14 April 2019

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    AmBank Fixed Deposit Promotion 2019
    AmBank FD Promo

    Earn High Returns of 4.40% p.a. on FD Account When You Add and Maintain RM10,000 in AmStar Current Account

    Promo Ends on 31 March 2019

    View
    Bank Islam Fixed Deposit Promotion 2019
    Bank Islam FD Promo

    Get Profit Rates of up to 7% p.a. When You Deposit a Minimum of RM50,000 in a Deposit-i Tawarruq Account for 7 Rollover Cycles of 3-Month Tenure.

    Promo Ends on 30 June 2019

    View
    HSBC Fixed Deposit Promotion 2019
    HSBC FD Promo

    Enjoy High Returns of up to 4.28% p.a. on TMD/TD-i When You Become a Premier Customer of HSBC Bank/HSBC Amanah Bank.

    Promo Ends on 31 December 2018

    View
    CIMB Fixed Deposit Promotion 2019
    CIMB FD Promo

    Earn Promotional Rates of 6.00% p.a. When you Deposit Upto RM400,000 for 3 months in a CIMB FD/FRIA-i.

    Promo Ends on 31 December 2018

    View

    Public Bank Fixed Deposit Promotion 2019:

    • PB PLUS Fixed Deposit/Term Deposit-i Promotion: You can earn higher interest rates of up to 4.30% p.a. when you place a minimum sum of RM10,000 in a PB PLUS Fixed Deposit (PLUS FD) or PIB Term Deposit-i (TD-i) account.
    • The promotional rates are applicable for a deposit tenure of 6 months and 12 months.
    • The promotion is valid from 1 October 2018 until 31 March 2019.
    • You can place up to RM8 million per customer per participating product.
    • The deposit must be made in fresh funds only.
    • The interest/profit will be calculated based on the number of days the amount was deposited.
    • You can get access to the interest/profit on a monthly basis via the designated CASA/CASA-i.
    • Get up to 3.90% p.a. on the PB eFixed Deposit: Open an eFixed Deposit Account via PB Online Banking and earn an interest rate ranging from 3.40% p.a. up to 3.90% p.a.
    • The minimum deposit amount specified is RM5,000.
    • You can choose a deposit tenure from the available options — 3, 6, 9, 12 and 15 months.
    • The interest will be credited to your PB CASA on a monthly basis.
    • The promotion is valid from 19 March 2018 until 31 March 2019.
    • PB Foreign Currency Fixed Deposit Promotion: Deposit a minimum of RM50,000 equivalent of US Dollar (USD), Pound Sterling (BGP), or Australian Dollar (AUD) in a PB Foreign Currency Fixed Deposit.
    • The deposit can be placed for 1 month, 3 months and 6 months.
    • The promotional rates can go up to 3.15% p.a. where the interest is calculated on a daily basis.
    • The profit will be credited in the chosen foreign currency upon maturity.
    • The campaign is valid from 12 September 2018 until 31 March 2019.
    • The deposit must be made by converting Malaysian Ringgits into the chosen foreign currency.
    • PB Junior SA Campaign and PB Junior FD Campaign: The campaign is applicable to individual and joint account holders who are aged below 18 years. It includes 2 steps—Savings Account Campaign and Fixed Deposit Campaign.
    • You have to deposit RM500 in a PB Bright Star Savings Account (PBBS) /WISE Savings Account.
    • In addition, you must set standing instruction (SI) to transfer RM200 per month from your parents’/guardian’s account to your PBBS/WISE account for 12 months.
    • You will receive a gift for setting SI as well as after completing 12 consecutive months of money transfer.
    • Further, you have to open a PLUS Fixed Deposit Account and make a minimum deposit of RM5,000.
    • The qualifying deposit tenure is 15 months and the offered promotional rate is 4.35% p.a.
    • The interest will be credited to the designated PB SA on a monthly basis.
    • The promotion is valid until 31 March 2019.

    Hong Leong Bank Fixed Deposit Promotion 2019:

    • Special Rate of up to 4.28% p.a. on eFD/eFD-i: Open an Online Fixed Deposit (eFD)/Online Fixed Deposit-i (eFD-i) via Hong Leong Connect. 
    • Make a minimum deposit of RM10,000 in fresh funds via Financial Process Exchanges (FPX).
    • For a deposit tenure of 3 months, you can get a promotional rate of 4.18% p.a.
    • For a deposit tenure of 6 months, the promotional rate applicable is 4.28% p.a.
    • The campaign commenced on 8 January 2019 and is valid until 28 February 2019.
    • You can transfer a maximum of RM30,000 per transaction via FPX.
    • FD/FD-i and CASA/CASA-i Campaign for Astro Subscribers: You must be an Active Astro subscriber to get the promotional benefits. 
    • Make a minimum deposit of RM10,000 in a conventional FD/Islamic FD account for 3 months.
    • Deposit a minimum of RM1,000 in CASA/CASA-i that will be earmarked for 3 months.
    • Get a promotional rate of 4.50% p.a. on the amount deposited in the FD account.
    • The deposit must be made in 10:1 ratio for FD and CASA. 
    • The promotion is valid from 24 January 2019 until 28 February 2019.
    • Partial withdrawal is allowed. However, you will not receive any interest/profit if you make premature withdrawal.
    • 3-in-1 Junior Account Campaign: The campaign is open for children below 18 years of age.
    • You must be accompanied by parents or guardian who have a primary account with the bank.
    • Open a 3-in-1 Junior Account with the minimum deposit amount of RM1,388 to get “Fluffy Bird” gifts.
    • The promotion is valid from 22 January 2019 until 31 March 2019.
    • You can get gifts, such as Fluffy Bird Coin Box, Fluffy Bird Backpack, and Fluffy Bird 2-in-1 Pillow Blanket based on the amount you deposit in the account.
    • The bank will notify you regarding the gift collection not later than 8 weeks from the date of deposit.
    • Upon premature withdrawal, a penalty will be charged as a payment for the gift.
    • FD and CASA Bundle Promotion: Deposit a minimum sum of RM10,000 in a Conventional/Islamic FD and a minimum of RM1,000 in CASA/CASA-i.
    • The deposit must be made in the ratio of 10:1.
    • The promotional rate available is 4.80% p.a.
    • The deposit in CASA/CASA-i will be earmarked for 3 months. 
    • The campaign is valid from 25 January 2019 until 16 February 2019.
    • Bancassurance Product with FD: Invest in a participating bancassurance product to get promotional rate on FD account. Also, get a Chinese New Year Plate as a gift.
    • The minimum annual premium criterion depends on the bancassurance product you choose.
    • You have to place a minimum deposit of RM1,000 in the FD account.
    • The maximum sum you can deposit in the FD account is RM20,000.
    • FD tenure applicable to the promotion is 3 months.
    • The campaign is valid from 22 January 2019 until 28 February 2019.
    • A minimum annual premium of RM10,000 for one of the participating bancassurance product can get you a Premier Voucher worth RM88.
    • CNY Powerlink Promotion: Invest in one of the participating Unit Trust (UT)/Floating Rate Negotiable Instrument of Deposit (FRNID) schemes. Also, open a fixed deposit on the same day to qualify for promotional rate.
    • You can get a promotional rate of up to 8.88% p.a. on the deposit sum.
    • A maximum of RM5 million can be deposited in the FD account.
    • A sales charge will be applied for Unit Trust investment, starting at 3%.
    • The promotion is valid until 28 February 2019.
    • The first 68 eligible customers will get an AEON gift voucher worth RM380.

    AmBank Fixed Deposit Promotion 2019:

    • Earn Returns of 4.40% p.a. on FD with a Minimum Balance of RM10,000 in AmStar Current Account: Deposit up to RM200,000 in an FD account for a tenure of 12 months to earn a promotional rate of 4.40% p.a.
    • You can get the promotional benefits only if you deposit a minimum of RM10,000 in your AmStar Current Account in fresh funds and maintain the balance for about a month.
    • You must be a new AmBank SIGNATURE Priority Banking customer and have to meet the criterion of a minimum Asset Under Management (AUM) of RM200,000.
    • You must also have an AmStar Current Account having good standing with the bank.
    • The promotion is applicable only when you open the FD account over the counter.
    • The promotion is valid from 19 November 2018 until 31 March 2019.
    • Chinese New Year Campaign with High returns of 4.28% p.a. : Open a eFixed Deposit (eFD)/eTerm Deposit-i (eTD-i) account with AmBank and deposit a minimum sum of RM10,000.
    • The deposit must be placed for a tenure of 8 months to earn a campaign rate of 4.28% p.a.
    • The deposit account must be opened online via AmOnline Internet Banking to get the promotional benefits.
    • Use the promo code “CNY2019” while opening the deposit account to qualify for the campaign.
    • The campaign is valid from 18 January 2019 until 28 February 2019.
    • The deposit must be placed in fresh funds.

    Bank Muamalat Fixed Deposit Promotion 2019:

    • Fixed Term Account-i Campaign with Returns of 3.99% p.a. Open a Fixed Term Account-i with the Bank Muamalat and deposit a minimum of RM10,000.
    • The deposit must be placed for a tenure of 6 months.
    • A promotional rate of 3.99% p.a. is applied on the amount deposited.
    • The promotion is valid from 15 October 2018 until 14 April 2019.
    • The deposit must be made in fresh funds to get the benefits of the promotion.
    • The profit will be paid upon maturity.
    • Partial withdrawals are not allowed.
    • In the case of a premature withdrawal, you cannot get promotional rate and the prevailing board rates will be applied.

    RHB Fixed Deposit Promotion 2019:

    • Get a Promotional Rate of 4.25% p.a. on CMD-i: Deposit a minimum of RM10,000 in a Commodity Murabahah Deposit-i (CMD-i) for a period of 5 months.
    • Enjoy a promotional rate of 4.25% p.a. on the deposit amount. 
    • The campaign is valid from 3 January 2019 until 28 February 2019.
    • The deposit must be made over the counter to be eligible for the promotion.
    • Enjoy High Promotional Rate of 4.00% p.a. on e-Commodity Murabahah Deposit-i: Open an e-CMDi Account on the RHB Now Internet Banking platform and deposit a minimum of RM5,000.
    • The deposit must be placed for a period of 3 months to get the promotional rate of 4.00% p.a.
    • The offer is not valid if you make the deposit over the counter.
    • The funds must be deposited via Financial Process Exchanges (FPX) from another bank’s account to your e-CMDi Account.
    • A maximum of RM30,000 can be transferred via FPX per transaction.
    • The promotion is valid until 31 March 2019.

    OCBC Bank Fixed Deposit Promotion 2019:

    • Earn a Promotional Rate of 4.15% p.a.: Place a minimum amount of RM10,000 in an OCBC Mi Fixed Deposit or Mi Fixed Deposit-i Account to earn an interest rate of 4.15% p.a. The promotional rates can be earned only when the deposit is placed for 12 months’ tenure. The offer is valid only on fresh funds.
    • The ongoing promotion is valid until 19 February 2019.
    • Fixed Deposit/Fixed Deposit-i Promotion: Get a promotional rate of 4.15% p.a. when you deposit a minimum of RM10,000 in a Fixed Deposit (FD)/Fixed Deposit-i (FD-i) Account.
    • The deposit must be placed for 12 months to get the benefits of the promotion.
    • The promotion is valid from 1 January 2019 until 19 February 2019.
    • The deposit must be placed in fresh funds.
    • The interest/profit will be paid on maturity.
    • Chinese New Year Eve Promotion: Make a minimum deposit of RM1,000 in an FD or FD-i account for a period of 2 months to get a promotional rate of 3.98% p.a.
    • The promotion is valid on 4 February 2019 only.
    • The deposit must be made in fresh funds.
    • You will get the interest/profit upon maturity.
    • No interest/profit will be paid if you make a premature withdrawal.

    Bank Islam Fixed Deposit Promotion 2019:

    • Get a Promotional Rate of 7.00% p.a. on Term Deposit-i Tawarruq (TDT-i): Deposit a minimum sum of RM50,000 in a TDT-i Account for a 3-month tenure.
    • Let the deposit to rollover for 7 cycles.
    • The deposit will mature after the completion of 24 months and provides a promotional rate of 7.00% p.a.
    • The effective profit rate applicable to a 24-month tenure is 4.65% p.a. 
    • The campaign is valid from 8 February 2018 until 30 June 2019.
    • The deposit placed must be in fresh funds. 
    • The profit rates vary for each rollover cycle and are given in the table below:
    Rollover Count Profit Rate (% p.a.)
    Start 3.80
    1 3.90
    2 4.20
    3 4.50
    4 4.55
    5 4.60
    6 4.65
    7 7.00

    Affin Bank Fixed Deposit Promotion 2019:

    • Chinese New Year Triple Prosperity Camaign: Make a minimum deposit of RM20,000 in a FD/TD-i account for a period for 18 months.
    • You can get a special rate of up to 4.55% p.a. on the amount deposited based on the product chosen and the amount deposited.
    • When you deposit money in a FD account, a sum of RM5,000-RM10,000 in the CASA will be earmarked for the same tenure as the FD.
    • The promotion is valid from 1 January 2019 until 31 May 2019.
    • In addition, every customer who satisfy the criteria will be entitled for a “Prosperous Ang Pow Packet Giveaways” and “Prosperous Umbrella”.

    Alliance Bank Fixed Deposit Promotion 2019:

    • FD and CASA Promotion with a Rate of 5.00% p.a.: A minimum deposit of RM30,000 should be made to FD account and RM10,000 to CASA account simultaneously.
    • The deposit to FD and CASA must be in the ratio 3:1.
    • The deposit must be maintained in both the accounts for 3 months.
    • Get a promotional rate of 5.00% p.a. on the sum deposited in the FD account.
    • The campaign is valid on the following dates: 4 January 2019, 11 January 2019, 18 January 2019, 25 January 2019, and 31 January 2019.
    • The campaign benefits are applicable only if the deposit is made in fresh funds.

    Maybank Fixed Deposit Promotion 2019

    • Chinese New Year FD Promotion for Maybank Privilege, Premier, and Private Customers: Open a Conventional FD account with Maybank and deposit a minimum of RM100,000 if you are a Maybank Privilege customer.
    • Pay the deposit in fresh funds and maintain it for 6 months to get a promotional rate of 4.00% p.a.
    • If the deposit is paid in rollover funds, you can get a promotional rate of 3.90% p.a.
    • For Maybank Private and Premier customers, the minimum deposit sum of RM250,000 must be placed for 12 months.
    • With fresh funds, you can earn an interest rate of 4.28% p.a. With rollover funds, a 4.18% p.a. can be earned.
    • The promotion is valid from 2 January 2019 until 28 February 2019.

    Al-Rajhi Bank Fixed Deposit Promotions 2019:

    • Returns Up to 4.36% p.a. on Commodity Murabahah Term Deposit-i: Open a Commodity Murabahah Term Deposit-i account with Al-Rajhi Bank.
    • Deposit a minimum of RM10,000 in the account for a period of 6 months or 12 months.
    • Get a promotional rate of 4.21% p.a. for a 6-month tenure and 4.36% p.a. for a 12-month tenure.
    • The promotion is valid from 1 January 2019 until 31 March 2019.
    • The profit will be credited to your savings account or current account upon maturity.

    Expired Fixed Deposit Promos

    CIMB Bank Fixed Deposit Promotion 2019:

    • Earn High Returns of 4.40% p.a. on Unfixed Deposit Account: Deposit a minimum amount of RM10,000 in a CIMB Unfixed Deposit Account for a period of 6 months.
    • Earn a promotional rate of 4.40% p.a. on the deposit amount.
    • The deposit must be made in fresh funds.
    • The interest will be credited to your CASA upon maturity.
    • The promotion is valid from 1 October 2018 until 31 December 2018.
    • CIMB Preferred Current Account and Fixed Deposit Promotion: Earmark a sum of RM50,000 in your Preferred Current Account (PCA)/Preferred Current Account-i (PCA-i) maintained with the bank. Place a deposit of up to RM200,000 in an FD/FRIA-i for a period of 3 months to earn a promotional rate of 6% p.a.
    • You can earmark RM100,000 in your PCA/PCA-i and deposit up to RM400,000 for 3 months in FD/FRIA-i to earn a promotional rate of 6% p.a. on the deposit amount.
    • The interest/profit will be paid upon maturity to your PCA/PCA-i.
    • The promotion is valid from 1 October 2018 until 31 December 2018.
    • The deposit must be made in fresh funds only.

    Bank Rakyat Fixed deposit Promotion 2019:

    • Enjoy High Returns on Term Deposit-i: Deposit an amount of RM10,000 or more in a Term Deposit-i account and earn returns up to 4.50% p.a.
    • Choose a deposit tenure from the available options—7 months and 11 months. The promotional rates applicable are 4.30% p.a. and 4.50% p.a. respectively.
    • The promotion is valid from 1 August 2018 until 31 December 2018.
    • The promotional rates are applicable only to one cycle. On rollover, the prevailing board rates will be applicable.

    Standard Chartered FD Promotion 2019

    • Term Deposit-i and CASA/CASA-i Placement Promotion: Open a Term Deposit-i account with Standard Chartered Saadiq Berhad and place a sum ranging from RM200,000 to RM500,000 for 12 months to earn a promotional rate of 4.50% p.a.
    • You also must deposit a minimum of RM10,000 of fresh funds in a CASA/CASA-i to get the promotional benefits.
    • If you place a sum between RM500,000 and RM1 million in the TD-i account, you must place a deposit of RM20,000 in the CASA/CASA-i.
    • You must be a new-to-bank Priority Banking customer or an existing Priority Banking customer to be eligible for the promotion.
    • A Client Investment Profile (CIP) must be filled and submitted to qualify for the promotion.
    • An allocation period of 3 months is applicable to the sum placed in CASA/CASA-i during which you cannot withdraw the sum.
    • The promotion is valid from 1 November 2018 until 31 December 2018.

    HSBC Bank Fixed Deposit Promotion 2019:

    • Get High Returns of up to 4.28% p.a. with HSBC Bank/HSBC Amanah Bank Premier Account: The promotion includes 2 offers — Offer A and Offer B. You have to be an existing premier account holder or must subscribe for one to get the benefits of the promotion.
    • The minimum deposit for the promotion is RM100,000. You can deposit up to an amount of RM500,000.
    • The deposit tenure is 6 months. The rates vary based on the offer — 4.00% p.a. for Offer A and 4.28% p.a. for Offer B.
    • The promotion is on-going and valid until 31 December 2018.

    Bank of China Fixed Deposit Promotion 2019:

    • Fixed Deposit in Malaysian Ringgit, Chinese Yen or US Dollars: Place a minimum deposit amount of RM5,000/CNY10,000/USD5,000 to earn interest rates ranging from 2.80% p.a. to 4.40% p.a. The FD must be placed for a tenure of 12 months.
    • The promotion is valid until 31 July 2018.
    • The interest rates depend on the deposit amount, the currency chosen and your relationship with the bank i.e., new or existing customer.

    Type of Fixed Deposit Promotions

    Fixed deposit promotions are generally of the following types:

    Promotions based on special tenures: Under this categorization, you can get a higher rate of interest for a standard tenure which otherwise would fetch you the prevailing rate of a normal FD.

    Tenure Based Fixed Deposit Promotions: These fixed deposit promotions provide you with special tenures carrying their own rate of interest which would otherwise not be available. Tenure based promotions usually offer shorter tenures with attractive rates of interest that you would normally get on longer deposit tenures.

    Benefits of Fixed Deposit Promotions

    • Promotions on FDs allow you to grow your money faster. The higher rates of interest mean that the returns generated will be greater than a standard fixed deposit of the same tenure.
    • Promotional tenures also give you an easy investment avenue. You can take advantage of the shorter tenures and still make a high rate of return due to the special rates on offer.
    • you can employ a mix of short-term promotional tenures and long-term standard tenures to diversify your investment portfolio.
    • The shorter tenures on offer also allow for investing relatively larger amounts without fear of losing out on liquidity.

    FAQs

    Q. What happens on the maturity of my RHB promotional rate?

    A. Upon maturity of the promotional rate, the fixed deposit account will be automatically renewed to a normal FD account with the same tenure at the prevailing board rate.


    Q. Who can access the RHB fixed deposit promotions?

    A. RHB promotions are open to all existing customers of RHB Bank and RHB Islamic Bank.


    Q. What is the minimum tenure offered for OCBC fixed deposit promotion?

    A. For a deposit amount between RM10,000 and RM49,999, you need to choose a minimum tenure of 14 months and for an amount above RM50,000, you will need a 6-month term to access the scheme rates.


    Q. Is the Alliance Bank Fixed Deposit promotional offer eligible for PIDM?

    A. Yes, you can get the PIDM protection for the fixed deposit scheme offered by the bank.


    Q. Is the Senior Savers Flexi FD plan eligible for the promotional scheme of Hong Leong Bank?

    A. Yes, the Senior Savers Flexi FD, along with Junior FD, Priority Banking Premium FD, is eligible for the interest rate offered under the promotional scheme.


    Q. Is the Hong Leong Bank’s fixed deposit promotion applicable for the existing accounts also?

    A. Yes, the existing account holders can also benefit from this fixed deposit scheme. 

    Other Promotional Offers by Malaysia Banks

    Fixed Deposit Interest Rates 2019
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