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Earn Up To 12.88% p.a. on Fixed Deposit/Islamic Fixed Deposit-i


Pair your protection and savings goals with a rewarding combination of:

✅ Smart Golden Life insurance with Fixed Deposit (FD)

OR

✅ Smart Income takaful with Islamic Fixed Deposit-i (IFD-i)

Campaign period: The offer shall commence on 10 August 2026 at 6:00:00 AM (MYT) and end on 30 November 2026 at 11:59:59 PM (MYT), both dates inclusive, or upon full utilisation of the Campaign Fixed Deposit/Islamic Fixed Deposit-i fund size limit of RM10,000,000 each, whichever occurs first, on a first-come, first-served basis.

01/12/2026

Sign up Today for selected Life Insurance/Family Takaful Plan with
Fixed Deposit or Fixed Deposit-i (FD/FD-i) placements and earn up to 12.88% p.a.

 

a)  Life Insurance/Family Takaful products

Participating product

Smart Golden Life insurance plan or Smart Income takaful plan

Minimum Premium/Contribution

Annualised First Year Premium/Contribution (AFYP/C) of

  1. RM50,000-RM200,000
  2. RM200,001 – RM500,000
  3. RM500,001 and above

Payment mode

Annual only
  • Etiqa and Maybank are members of Perbadanan Insurans Deposit Malaysia (“PIDM”).
  • The benefit(s) payable under eligible product is(are) protected by PIDM up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (TIPS) Brochure or contact Etiqa Life Insurance Berhad/Etiqa Family Takaful Berhad or PIDM (visit pidm.gov.my).


b)  Fixed Deposit (“FD”) and/or Islamic Fixed Deposit-i (“IFD-i”)

Participating product

Fixed Deposit or Fixed Deposit-i

Fixed Deposit/-i Matching Placement

Minimum RM1,000 up to 1:1 Fixed Deposit/Premium or Contribution Ratio

Note:
Participation in Smart Golden Life insurance plan will entitle to Conventional Fixed Deposit (FD) campaign rates only while participation in Smart Income takaful plan will entitle to Islamic Fixed Deposit-i (IFD-i) campaign rates only.

Fixed Deposit/-i Pairing Condition

Up to maximum of 1:1 ratio with capping limit of RM1,000,000 Fixed Deposit/Islamic Fixed Deposit-i

(Example: RM50,000 AFYP/C of Smart Golden Life insurance plan or Smart Income takaful plan + a maximum of RM50,000 in FD/iFD-i;

Or

RM1,200,000 AFYP/C of Smart Golden Life insurance Plan/ Smart Income takaful plan + maximum of RM1,000,000 in FD/iFD-i)
  • Malayan Banking Berhad and Maybank Islamic Berhad is a member of Perbadanan Insurans Deposit Malaysia (“PIDM”). Protection by PIDM is subject to insurability criteria. Please refer to the list of insured deposits displayed at www.maybank2u.com.my for further details.


c)  Details of the Campaign rates according to its tenure are as follows:

Tier

Annual First Year Premium for Smart Golden Life insurance plan / Annual First Year Contribution First Year for Smart Income takaful plan

Campaign Rate on Fixed Deposit/Islamic Fixed Deposit-i

3 months

6 months

Tier 1

RM50,000 – RM200,000

8.88% p.a.

6.88%p.a.

Tier 2

RM200,001 – RM500,000

10.88% p.a.

8.88% p.a.

Tier 3

RM500,001 above

12.88% p.a.

10.88% p.a.


Notes:

  1. The Campaign Rates may be revised accordingly to reflect changes in the Overnight Policy Rate as set by Bank Negara Malaysia, if any shall occur during the Campaign Period.
  2. Automatic rollover will not be entitled for this Campaign Rate.
  3. Automatic rollover refers to renewal of an existing deposit for subsequent maturities.
  4. Islamic Fixed Deposit-i can only be paired with Smart Income takaful plan to get the exclusive rates.

 

How to Participate?

 

Participating Products & Minimum Criteria

Step 1: Visit your nearest Maybank Branch or contact your Personal Financial Advisor/Relationship Manager

 

Step 2: Choose Your Plan

Select either the Smart Golden Life insurance or the Smart Income takaful plan & ensure that the plan you signed up for has a minimum Annualised First Year Premium/Contribution (AFYP/AFYC) of RM50,000 and above.

 

Step 3: Decide Your Fixed Deposit/-i placement period

Choose a Fixed Deposit/-i placement period of 3 months or 6 months.

Islamic Fixed Deposit-i can only be paired with Smart Income takaful plan to get the exclusive rates.

Smart Income takaful plan

 

Craft your wealth with purpose through a Shariah-compliant plan built for retirement, protection, and lasting security.

Find Out More

01/12/2026

Smart Golden Life insurance plan

 

Secure a golden retirement for protection that last up to three generations.

Find Out More

01/12/2026

Terms and Conditions

 

Click here for Campaign’s terms and conditions

 

Before purchasing the insurance/takaful policy/certificate, you are advised to refer to the terms and conditions in the Product e-Brochure, Product Disclosure Sheet and Product Illustration for details of the important features and major exclusions of the insurance/takaful plan. The insurance/takaful product is underwritten by Etiqa Life Insurance Berhad (201701025113) or Etiqa Family Takaful Berhad (199301011506), a subsidiary of Malayan Banking Berhad (196001000142). Etiqa Life Insurance Berhad/Etiqa Family Takaful Berhad is licensed under Financial Service Act 2013/Islamic Financial Service Act 2013 and regulated by Bank Negara Malaysia.

PIDM Protection

 

The benefit(s) payable under the eligible certificate/policy is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to its limits. Please refer to PIDM’s TIPS Brochure or contact Etiqa Life Insurance Berhad/ Etiqa Family Takaful Berhad or PIDM (visit www.pidm.gov.my).

 

Deposit products are protected by PIDM up to RM250,000 for each depositor.