Ya, I considered it as FD rate because at the end of the day what matters is the returns nothing else . You can name it as what also does not matter, cashback , incentive and the likes. What really matters is the returns, so the same goes for banks or financial instituition, not really looking at quality of service provided, for musical chair players , safe good returns are above everything else, Premier or Private Banking status is of no importance either.

Regarding the credit into SA, my total AUM interest is also credited into SA monthly, and will be withdrawn to compund it further.