rates.my
Sign in
A neoclassical bank building facade with tall stone columns
Fixed Deposit

3.45% vs 3.30% — the catch

Affin FD Promotion 2026: 3.45% DIVENTIUM Rate vs 3.30% Anyone Can Get Online

RaymondRates.my3 min read

Affin Bank's Smart Pricing Campaign 3.0 runs 1–31 August 2026, paying up to 3.45% per annum on a 12-month deposit. But that top rate needs RM2 million in assets. Everyone else — no branch visit, no segment — gets 3.30% online.

3.30%
eFD/eTD-i online, 12 months
anyone, min RM5,000
3.45%
DIVENTIUM branch, 12 months
needs RM2m+ in assets
31 Aug 2026
Campaign ends
or when the fund pool is used up

Three tiers, one campaign

AFFIN SMART PRICING 3.0 — 12-MONTH TIER, 1–31 AUG 2026the top rate is gated by assets or salary, not by how much you depositeFD / eTD-i (anyone)NTB or ETB, online via AffinAlways, min RM5,0003.30%AFFIN INVIKTARM200,000 AUM or RM15,000 monthly salary, branch3.40%AFFIN DIVENTIUMRM2,000,000 in assets or an equivalent mortgage, branch3.45%All three share one RM200m–RM800m fund pool per segment — first come, first served.
The 3.30% online tier needs nothing but RM5,000. The two branch tiers are gated by assets or salary, not by placement size.
  • INVIKTA also opens via an RM800,000 mortgage — no AUM or salary needed if you've financed a home that big.
  • DIVENTIUM's RM2 million bar drops to a RM500,000 hire-purchase for the same top tier.
  • The online eFD/eTD-i tier skips all of that — any customer, new or existing, gets it with RM5,000.
A person placing an online banking application using a laptop and phone at a table
The 3.30% tier needs no branch visit at all — just the AffinAlways app or website. · Photo: Unsplash

What actually caps it

  • Max RM200,000 per online placement — sharing a RM200 million pool with AVANCE branch customers.
  • No interest at all on early withdrawal of the conventional eFD — the Islamic eTD-i keeps a reduced profit share.

See today's Fixed Deposit rate comparison on Rates.my, or read how the same headline-vs-catch pattern played out in HSBC's FD promotion.

What to watch

  • 31 Aug 2026Campaign 3.0 ends — no word yet on a September follow-on cycle.
  • Your maturity datePlacements revert to Affin's board rate on renewal, not the Campaign 3.0 rate.
  • Before you applyConfirm your segment with Affin first — the T&C puts a mis-selected product on the customer, not the bank.
Not financial advice. This is general information based on Affin Bank Berhad and Affin Islamic Bank Berhad's own published campaign terms as at 24 August 2026. It is not a recommendation to open, upgrade or apply for any account, and Rates.my does not issue price targets or rate forecasts. Confirm current terms with Affin before applying — campaign rates and eligibility can change.

Sources & further reading

Ready to act on this?

See today's Fixed Deposit rate comparison

Keep reading

InvestingHeineken Malaysia and Carlsberg Shares Are Crashing. Is Hyrox to Blame?InvestingZetrix Bhd: Is the Crash Over?InvestingHengyuan Pays Its First Dividend Since 2022, Hibiscus Its Biggest Ever

💬 Market Chat

Join the discussion — share your take on this with other Rates.my readers.

💬 Discussion

Your rating:
(optional)
Loading discussion…

This article is general information, not personalised financial advice. Rates.my is not a licensed financial adviser — always verify rates with the institution and consider your own circumstances.

← All insights