Yea..cert was collected on that day..So need to do some "actings" to get the hadiah. Honestly,not so good at it.Haha
Yup, can't discuss UT in here..can discuss and coach us personally?lol

Yalor, should have ask for it. But..u still better than me as I got NOTHING! HAHA.. Since normally other banks FD doesn't get any gift, so was not that habitual to ask for free gifts.lol
I opt for 12mths since it's 1 of the highest rate FD rate so far. Personally, I think their 3mths or 12mths BR FD rate are competitive enough (~for my this "small" amount of FD & reasonable duration).

This post has been edited by leo_kiatez: Apr 19 2014, 02:12 PM

... BR is also known to me to be not consistent on their gifts as well ...

Well, you have to ask if they did not mention about the gifts to you. Their policy implementation not that great and consistent.

But system wise luckily consistent in paying out the monthly interest.

Why you no read FD threads here before commit your money?

12-month placement definately entitled you for some gifts. Maybe a face towel or a cheaper version of Parker pen. However, if you happened to come across some lousy BR staffs, then can say to your gifts.

Remember to ask for your gift when you return to the BR branch to deposit, renew or uplift your FD. If they insist that you're not entitled for gifts, then you'll know that particular branch is

PS: For FD, the % rate we get is priority, gifts are secondary

Thanks for the sound advice.. Definitely will have to visit & read the threads here more in order not to missout any great offers for future.

Any other banks also giving free gifts for depositing FD for >RM5k/RM10k and 6 mths/12mths tenure?

This post has been edited by leo_kiatez: Apr 20 2014, 12:13 PM

No free gifts from CIMB, UOB, OCBC at all. No idea on other banks.

MBSB. But the gifts offered by MBSB are "less" in monetary or material worth than BR (a very subjective view).

Kuwait Finance will give you a welcome umbrella.

Yes, thats why a person need to spread out the money in all classes of instruments.

This post has been edited by bbgoat: Apr 21 2014, 08:31 AM

So now, affin bank offered highest rate for 1 year tenure?

Can share which withdrawal option you can use to withdraw all money in EPF before 55 years old?

For PIDM-protected institution, yes.

Should be OCBC promotion. Please check 1st page.

Likely he is >55 years and can withdraw all the EPF money. I may be wrong and he has some tricks up his sleeve.

This post has been edited by bbgoat: Apr 21 2014, 12:35 PM

If he/she is a government servant who opted for pension scheme, should face no problem to withdraw all EPF money.

Got few options before 55yo actually. That's why I was asking.
Death withdrawal.
Disability withdrawal.
Giving up citizenship and leaving Malaysia.

Didn't know got this option too.

Ya read through.
Sorry not familiar with FD promotion thingy.
For OCBC promo, option 1, it's mention tenure 18 months. 6 months : 3.6 % and remain 12 months is 4%.

What happen after 18 months? I normally put my FD 5-10 years .

This post has been edited by BboyDora: Apr 21 2014, 02:47 PM

Standard option is it will re-enter 18 months tenure at board rate. (shitty rate as expected)

Not all, just 40% of total amount and both account since I opt for pension.

Your answer is wrong, i t will renew with 12 months FD.

It will renew with 12 months FD with the interest