Most people want to build savings, but they also want to enjoy the present. In reality, it can feel like you are constantly trading one off for the other. Save too much and you may feel guilty every time you spend. Spend too much and you might worry about not saving enough.

CIMB’s Save & Spend campaign takes a different approach by rewarding both behaviours at once. By keeping a balance in a CIMB Current Account/-i and/or Savings Account/-i (“CASA/-i”) and/or Daily Unrestricted Investment Account-i (“DURIAN-i Account”) and using the CIMB Debit Mastercard at selected merchants, you can earn up to 4% p.a. campaign interest or profit rate. This translates to 10% cashback based on the minimum spend requirement.

One account, one debit card, and a structure that turns your usual money habits into something a little more efficient.

Setting This Up In Three Steps

This campaign links saving and spending to the same account. You keep part of your savings in a CIMB CASA/-i or DURIAN-i Account, and you use the same account for everyday spending at participating merchants with your CIMB Debit Mastercard.

Step 1: Register – Sign up for the campaign by sending an SMS with short code MCBIG4 to 62886. You’ll receive a confirmation message once your registration is successful.

Step 2: Spend – Use your CIMB Debit Mastercard for everyday transactions at eligible online, overseas, lifestyle, or gaming merchants. Make a minimum spend of RM300 during the campaign period. This turns your usual spending into cashback rewards without changing your routine.

Step 3: Save – Maintain a Monthly Average Balance (MAB) in your CIMB CASA/-i or DURIAN-i Account to qualify for the campaign interest or profit rate. The tiers are:

• Tier 1: RM2,000 to below RM5,000
  
• Tier 2: RM5,000 to below RM10,000
  
• Tier 3: RM10,000 and above

If you’re opening a new CIMB account online for this campaign, you’ll also get RM25 Touch ‘n Go eWallet credit once you complete your initial deposit and register for a CIMB Clicks ID and log in to the CIMB OCTO App.

A Simple Example Of How It Can Work

Say you keep RM30,000 in your CIMB CASA/-i or DURIAN-i Account as your base. Your salary comes in, bills go out, and you use your CIMB Debit Mastercard for your usual spending at participating merchants.

Over the campaign period, that RM30,000 could earn up to 4% p.a. interest—if you maintain your balance—and you could enjoy up to RM30 cashback every month when you meet the spend criteria.

Your balance may fluctuate and some months may look different, but the structure rewards steady saving and mindful spending rather than forcing you to choose one over the other. The Save Reward and Spend Reward are valid from 1 December 2025 to 28 February 2026. By maintaining or growing your CASA/-i or DURIAN-i balances and spending, you can maximise your earnings!

A Few Things To Review Before You Start

As with any financial campaign, it is important to check the official details. Review which CIMB CASA/-i or DURIAN-i Account qualify, the campaign period, how the campaign interest or profit is calculated, and which merchant categories count toward cashback. Some transaction types may be excluded.

The campaign works best as a layer on top of healthy financial habits. It is not meant to replace long-term planning but can help you make more of your day-to-day saving and spending in a structured way.

Learn more about CIMB’s Save & Spend campaign.

*Terms and Conditions Apply.

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