u said "NORMAL FD rate"

My point earlier that MYR is not strengthening as against gsc claim that it is

See the effective % of MYR "strengthening" against AUD is the difference between USD/AUD and USD/MYR. In other words, it's about USD versus AUD and nothing to do with AUD versus MYR.

Dont waste your time as the amount that enjoys 4% rate is twice the amount you deposit into CASA 
That's an excellent question that only you can answer.

If you need AUD in the near future, why not? If you converting back to MYR... god only knows what the conversion rate will be when it matures (or when you decide to convert back after several renewals). You also need to play god and predict if the interest rate will be going up or down in coming months or years and since last year it has been falling.

Edited***

Here is an example:

Last year this time the lowest conversion spot rate was around 3.10 (I know because I was in Melbourne last year this time). Right now at this moment as I am typing the rate is 2.9444, that's 5% difference. So if you had deposited into AUD last year into 1 year AUD FD and get 4.5% interest, you would have thought you got a good deal. But today, if you need the said fund for something and therefore withdraw the FD and covert back to RM, you would actually get less even with the interest earned. And please note, I have yet to even take into consideration the bank's commission of about 1% every time you convert. So effectively you would have lost money even though your principal earned 4.5% interest in AUD FD.

I do not need the privilege title of Premier either, I just need a high profit rate.
This is what I think:

Good things in the Premier Room and being a Premier customer:
(1) Get faster and usually a bit more polite service
(2) More comfort physical environment with more comfortable sofa, CNN news on big screen LCD/LED TV, usually served with coffee,
      tea, and newspaper.
(3) Free, convenient, and reserved parking (depending on the branch location)

Bad thing in the Premier Room:
(1) Feel tense to meet RM if do not buy investment product. Luckily they provide newspaper so I can use it to cover my face to avoid eye contacts.
(2) Lock myself in a small room and cannot see anything outside in the regular hall.
Last year OCBC offered 5% but without buying investment product, only buy deposit products instead.

I heard UOB requires a minimum RM 500K to be a premier customer, if I did not hear it wrongly..

The interest rate for 3 months for new OCBC premier customer is 5.5%, but need to buy
an investment product which is a bit hassle..

Oh...this happened just last year. 

What was the minimum before RM 500K?

You will get Bank Rakyat FD cert in 2 or 3 days later after you place your FD.

Really..? 

Last year I only used banker's checks to place FDs in Bank Rakyat for few times ,
but all the times  I had to collect the FD certs from Bank Rakyat in few days later.

Maybe they changed the policy lately? Or maybe they did not trust me..?

It very much depend on individual branch policy. If you observed certain branches does not have many staff to do the immediate processing.

ps: my replies are not combining?

Received called from Hong Leong bank saying there is a FD promotion 5.25% per year. The staff wanted to make appointment to explain to me. I asked her is this 5.25% a pure FD and not reuired to buy any structured products or unit trust etc..she said is pure FD. I told her email to me the detail first begore meeting up...no news thereafter...anyone of you aware of this FD promo?

Anyone else with recent experience for UOB on the fee? 

Just to confirm, if my FD matures on 28th June, I can uplift it on 28th June itself without any penalty, correct?

Normally, how long does it take for BR to deposit the introducer incentive into the SA?

Wow, my maturity date is more than 60 months away
Weeks have passed...my referrer has visited his BR branch twice to update his SA but couldn't trace the incentive. Is there any other option to check it instead of going over to the counter to update the passbook?

how much roughly..on deposit...for BR to invite for high tea..

Not invited. 
I guess I'm a small fish amongst many other big fish in my area.

I wonder if they take into account the total amount placed in all branches.

I am a retiree (67) but still hold an account with EPF with some cash.
Since EPF is paying much better dividend than FD or TD,
I am thinking of putting a certain sum into my account monthly.
Have check with EPF and was told that I can contribute min RM50/mnth and max RM60K/yr.
Any downsides to this scheme?
Would appreciate feedbacks from participants.
TQ

any more, good promo and attractive deals for deposit.. hand itchy now..

Oh...This is a very convenient method and can save a lot of time.

Is this online account under i-Rakyat Internet Banking tab on Bank Rakyat website like below?
https://www.irakyat.com.my/retail/security/commonLogin.jsp

I need to go to Bank Rakyat branch to register for a user name and password, right?

How do you transfer the fund from Bank Rakyat to other banks with Bank Rakyat online account?
Any fees to transfer fund?

But I do not know how good is Bank Rakyat security system on their online banking..?
How long have you been using Bank Rakyat internet banking?

Thank you so much for the useful info