Get cash rightApply and get up to RM150,000 credit limit in minutes.
*Subject to eligibility requirements.
Get money in your account immediately when you drawdown a loan. Interest starts from 3.88%* p.a. (EIR 6.62% p.a.)
*Subject to eligibility requirements.
Repay your way with a tenure that works for you. No early settlement fees or processing fees.
For emergencies or unexpected moments, access your credit limit and drawdown funds anytime, 24/7.
*This is a simplified illustration of monthly repayment. Actual rate offered may differ to every user.
Get RM 20 cashback when you activate your credit limit.
Terms and conditions apply.
Apply Now
STEP 1
STEP 2
2 years' EPF statements (PDF) with consecutive contributions for the recent 6 months.
6 months’ business bank statements (PDF)
Latest 2 years’ EPF statements (PDF) with consecutive contributions for recent 6 months.
6 months’ business bank statements (PDF)
STEP 3
Existing Users:
New Users
*This is a simplified illustration. Actual rate offered may differ to every user.
*This is a simplified illustration. Actual rate offered may differ to every user.
*This is a simplified illustration. Actual rate offered may differ to every user.
*This is a simplified illustration. Actual rate offered may differ to every user.
To be eligible for FlexiCredit, you must:
• Be a Malaysian citizen residing in Malaysia with a MyKad.
• Be between 21 and 64 years old.
• Have a minimum monthly income of RM 1,500.
• Be employed / self employed. Students, housewives/househusbands or retirees, are not eligible for FlexiCredit.
Note: If any of your details are incorrect or outdated, please contact our customer service team via in-app Live Chat to update your information.
1. Early Settlement Fees - RM 0.00
2. Processing Fees - RM 0.00
3. Late Charges / Late Payment Interest - 1% on the overdue amount
For further details of the fees and charges, please refer to our Product Disclosure Sheet.
Click here for the full Terms and Conditions Governing Retail Banking Products & Services.
Click here for the FlexiCredit Product Disclosure Sheet.
Click here for the full FlexiCredit Reward Campaign Terms and Conditions.
FlexiCredit is a line of credit where customers will be granted a credit limit that they are able to make drawdowns of funds from, as long as it’s within their assigned credit limit.
There are no fees or interest incurred to maintain your credit line. You only pay interest on the loan amount that you’ve drawn from your available credit limit.
You can draw multiple loans within your available credit limit. As you make repayments on your loan, your credit limit replenishes, allowing you to draw down again up to your refreshed available limit. No further application or documents are required for recurring drawdowns.
The funds will be disbursed to your GXBank Savings Account. Disbursements to other bank accounts are not supported for now.
Once you confirm your drawdown amount, the funds will be disbursed to your account in seconds.
To manage your FlexiCredit account:
1. Go to the FlexiCredit homescreen.
2. Tap on the 'Manage' icon.
3. You will be able to manage your auto repayment settings, view your repayment date, as well as view your FlexiCredit statements
Income validation is a requirement by all banks to ensure responsible lending.
No worries! You can easily register for a KWSP i-Akaun online. Here’s a simple guide from KWSP to help you with the process: KWSP Registration Guide.
If your mobile number hasn’t been verified for TAC, you may need to visit a KWSP branch to complete the verification. For detailed steps on activating your i-Akaun, check out this activation guide.
Once your i-Akaun is activated, you’ll be ready to use it for your FlexiCredit application!
