He should be able to check online if the amount of the GIA-i has increased by the monthly interest paid.

From mth 1 till mth 12, not guaranteed, even principal. But read Sunday Star newspaper and you can understand more on this product.

Did not keep the paper. Best to look for the paper or search Star newspaper online.

Yes, this is the one I mentioned on Star 8/11, MBB GIA-i . It is actually full page but difficult to take photo on the full page. The opposing page is advert from MBB.

This post has been edited by bbgoat: Nov 11 2015, 11:25 AM

I have said on the 3rd day of the offer, bag finished.

Ya, but they still advertise the same advert on Star, which still with the bag shown there. Also kind of misleading. I saw that in the last 2 days.

So OCBC PB centre leng lui RM's hiding away when they see you ! No business, save the greeting !

But on the 4/11, bag sudah habis. So >1 week later should change it.

I also received the notice. Luckily last week Monday I withdraw one FD with 1 month auto renew and received the 1 month interest.

I guess BR going to be less attractive to more and more people already. Their FD rate is no longer competitive with the big guys offering better rates than them.

Always will have people reacting differently with the rate hike. I will be HAPPY !

Even if OPR up 0.25%, does not necessary means FD promo offer will be 4.5% + 0.25%.

It is sad that we cannot tell how the FD promo is going !

I have placed for AmBank 5 yr 4.55% in Oct. Now AmBank 2 yr 4.6%. Luckily small amt.

Last year just placed for 4% FD, then months later, went up to 4.25%/4.5% (SCB).

Well, I think we have to take what is best at the time. Neither can we sit and wait for the best rate to come. Losing interest. Another point is FD promo rate and OPR increase may not be proportionate as I mentioned earlier.

This post has been edited by bbgoat: Nov 18 2015, 11:52 AM

yygo is right. The HL 15 mth 4.26% started in Oct 1. I placed on Oct 1st and received gift from HL. But it was ended by Oct 31st.

Today went to Affin to withdraw FD. Their BC is RM5.80, RENTAS still RM9 !

Affin current FD promo is 12 mth 4.2%, min 10k.

Went to RHB. They have 2 FD promo, 3 mth 4.2% and 15 mth step-up eff rate 4.4%, min 10k. This has been reported before.

OK. My relative was there on end Oct and HL said the step-up one no more. The other offer they have is 12 mth 4.2%, right ?

This post has been edited by bbgoat: Nov 19 2015, 04:59 PM

It is AmBank 6 mths 4.25%, min 100k for the luggage. The luggage is gone after 3rd day of promo. I am waiting for the luggage.

AmBank also has the 2 yrs 4.6% promo. Both promo until end of Nov. Star newspaper still has the advert running but showed bag fully redeemed.

This post has been edited by bbgoat: Nov 21 2015, 08:48 AM

RHB allowed me to top up just few hundreds to matured FD to get FD promo rate. UOB at one time asked me to top up 10k to matured FD to get FD promo. But now seems to be not allowing that.

Few factors to consider. No hard and fast rules. Depends on the branch as well, some branch may short of FD targets. Call up the bank to enquire esp if you know someone there. But 30k top up sounds good esp the min for the AmBank FD promo is 10k only.

This post has been edited by bbgoat: Nov 22 2015, 09:35 AM

I saw in the online OCBC account that it showed "Withdrawal" function for FD's. I have FD placed OTC. So can still withdraw through that function ? Did not dare to click the "Withdrawal", just saw that and can select which FD cert to withdraw.

UOB allow us to terminate FD placed OTC using the online account.

Thanks !

Affin has made the FD war more intense with this 15 mth 4.6% rate ! I will go for this next week !


Last Thursday, have placed for RHB 3 mth at 4.2%. Don't think they changed it to 4.25%.

The 15 mth one as sandkoh said is a step-up with effective rate of 4.4%.

Young man , leng lui is just tidbits/desserts. Not the main course. FD is the main course.

So when OCBC offered 4.5%, I went there. Now Affin has 4.6%, I am going to Affin next Monday.