“Kadar Ganjaran Kesetiaan SSPN-i adalah sebanyak 0.5% atas simpanan yang dibuat dalam tempoh kempen. Kadar ini merupakan kadar tambahan ke atas kadar dividen tahunan yang diberikan oleh PTPTN.”

T & C :

https://www.ptptn.gov.my/images/fail/promos...n_kesetiaan.pdf

Checking :

https://www.ptptn.gov.my/Ganjaran/Utama

SSPN - 4%, put in RM5K.. RM200 interest. On top of that, you get tax relief of RM5K. If your tax bracket say... 24%, you effectively saves RM1,200 tax or you can pay that tax amount.

Either pay RM1,200 tax or saves RM5,000 in SSPN.

This post has been edited by eric.tangps: Apr 25 2019, 09:39 PM

One is merely savings and the other is with fixed monthly contribution plus partial paid for Takaful coverage.