I got the Debit Card a few weeks ago but have not received the PIN yet until today. I called TRUE CS a few days ago and was told they would check with admin dept. & get back to me. Unfortunately, I have not heard from them since.

Thank you.

Anyone knows whether online payment for Astro bill is eligible for 3% rebate?

I know the following categories are excluded: -

a) Mobile Bill Payment (MCC 4813, 4814)
b) Utilities (MCC 4900)
c) Insurance (MCC 5960, 6300)

Which category does Astro belongs to?

Personally, I do not think that RHB Bonus Saver's rate is good at all. OCBC SmartSavers is better in my opinion as you can get 2.9% p.a. by depositing only RM50 a month with no withdrawals. If there is any withdrawal in the month, the rate drops to 0.5%.

RHB Bonus Saver rate starts at 0.25% which is lower than 0.5% from SmartSavers. You need to deposit extra RM500 every month to get the bonus interest which is 0.2% p.a. every month. The bonus interest keeps increasing every month but you need to keep depositing RM500 extra every month. The max you can get from the 13th month onwards is only 2.75% p.a. which is lower than 2.9%. Although you can withdraw from the Bonus Saver account, the incremental average balance need to be RM500 or else you will not get the bonus interest. So, not much difference than not able to withdraw the money at all. I do not know what would happen if you were to stop halfway, how RHB would calculate the interest. Start from scratch at 0.25% again or start from where you left but either way, it's complicated & I think it's not worth the effort.

Btw, the promo for OCBC SmartSavers 3.9% p.a. is still ongoing but only for new accounts.



4% is your share after taking into account the PSR, meaning you will get 4% profit based on your placement amount.

You have got a point if that is your intention. Only drawback is you will lose interest for the 1st year.



You cannot get the promotion for your existing SmartSavers account for sure. I am not sure if you can get the promotion or not if you were to open another SmartSavers account (SmartSavers-i, the islamic 1 perhaps). You need fresh fund for this, so cannot just transfer from existing OCBC account to the new SmartSavers-i account. Confirm with the bank if you are interested. Promo ending 30/4.

Do not trust everything the bank's staff tell you. I have come across a few staff who know nothing about their bank's products & promotions. The better ones will still check with their superior / HQ for you if you want confirmation. The lazy ones won't even bother. Sometimes, the people in this forum know more than the bank's staff which is quite pathetic. If you cannot trust the bank's staff, who can you trust, right?

It's confirmed there will be interest for premature withdrawal. It's stated on their website. Many people here including myself have tried it before. Try it yourself to confirm if it is true. Place 1k for 2 months, withdraw it a few days later. It would be easier to do it online if you have maybank2u. Else, need to uplift at the counter. If you happen to be at the counter with the lazy staff, he/she might show you a black face.