I'd rather put into the mortgage loan account and call it a day.

the point here is not how much and how fast you can put in....
it is how much you can benefit along the way while putting the money in.
use cash FPX, zero benefits
use ewallet credit cards lots of benefits, if not why people asking

who dont have money in FPX, why they come ask what is the best method?

you are right, can be done, change statement date, forego  promotion FCFS timing...
but you may miss out quite alot of those FCFS promotional campaign cashbacks

but card feature CB alone,can be quite alot also, depends on  how many.
off hand i can recall
Amb true RM1000 x7 = CB210
RHB 2500 x3 =150
PBBi 750 x3 =90
MQ 600 x3 =90
VS 634 x3 =114
Affin 3080 x3 =240
SCB Smart 1000 x4 =60
LP 10000x4 =200
JOP 2500 x4 =240
Alliance You 3000 =42
VS 3000= 55.50
Barcelona RM5000 x2 =100
Yolo 600 x2 =60
cimbecard 2000 x3 =150(60k points)

some need add swipe category to max out,
BT benefits from RHB, Affin, PBi, UOB, Aeon. show u Aeon.

the 4% (2021 3%) return is not that attractive.... the tax rate (bracket) you are in save you more... eg if u r earning 200k a year you are saving 24% of the 8k invested = 1920 of tax refund... that is money...

hi
if i have ptptn, meaning to say i have SSPN account dy?
want to deposit to SSPN this year for tax saving

happy hour gift

Try go to the counter...

can max withdraw out with rm20 balance

the withdrwal ---again cap RM1K per day ?