X-Change X-TRA : Golden Opportunity Campaign
Campaign Period
Unlock the golden opportunity! This campaign is open to new-to-bank Personal Financing-i (PF-i) customers, existing PF-i customers applying for a new PF-i facility, and loyal customers with active PF-i account of five (5) years or longer. It’s time to reap the rewards!




Discover Profit Rates Designed for Affordability and Flexibility
Achieve your financial goals with our competitive Personal Financing-i packages. Below are the profit rate details:
| Package | Rate Offered: |
| New to Bank / Existing Customer / Refinancing | SBR + 2.60% p.a. (equivalent to 2.96% p.a. flat rate at 3 years tenure) |
Note:
- Standardised Base Rate (SBR) is currently at 3.00% p.a.
- Ceiling Profit Rate is at 15.00% p.a.

Rewards
Unlock your chance to win Digital Gold Rewards PrimeGold-i with every step you take when you apply for our exclusive Personal Financing-i facility. Hurry, limited quantities available!
| Tier | Financing Range (RM) | Digital Gold Reward | Limited Quantity |
| 1 | 100,000 – 199,999 | 0.25 gram | 300 |
| 2 | 200,000 – 299,999 | 0.50 gram | 390 |
| 3 | 300,000 and above | 1.00 gram | 480 |
Refer and Earn!
Introduce your friends (New-to-bank) to this campaign and earn 0.70% incentive rewards!*
* Rewards is based on amount of financing approved and disbursed subject to the case referred is New-to-Bank (NTB) customer only. NTB includes new CIF customers and existing customers of MBSB Bank with no Personal Financing-i only.
Start referring today and enjoy the rewards!
Payment Method
Only through salary deduction via Biro ANGKASA, Accountant General (AG).
Eligibility
- Open to all Malaysian citizen of at least 19 years old and not exceeding 60 years upon the expiry of the facility or opted retirement age, whichever comes first;
- Government employees having salary deduction arrangements with the Bank;
- Must open Current Account-i or Saving Account-i (CASA-i) with the Bank;
- Must subscribe to Group Credit Family Takaful (GCFT) coverage and other Banca Takaful or Wealth products with the Bank;
- Eligible for both new and existing MBSB Bank customers;
- The payment deferment begins in the month of financing is approved.
Documents Download
Terms and Conditions Flyer