I will show you some calculations and let you decide whether it is worth it or not.
Samsung malaysia official Note 5 price = RM2699
Public Bank SA interest = 0.6%
(220000 x 0.006 x 182)/366 = RM656.39 assuming you put this month
Total amount earned = RM2699 + RM656.39 = RM3355.39
If you put at ambank 6 months 4.25%
(220000 x 0.0425 x 182)/366 = RM4649.45
Directd price = RM2499 (Samsung malaysia warranty)
Savings = RM4649.45 - RM2499 = RM2150.45
So if you put ambank 6 months at 4.25% and you buy a note 5 after 6 months with the interest, you still have leftover of RM2150.45 instead of only RM656.39 if you put at public bank savings account.
What if I don't like ambank? I would like to go for other banks 6 months promo. Be my guest. Just use my calculations and substitute 0.0425 with whatever interest that bank is giving you. And check out for yourself if is still worth it putting at pbb sa. Keep in mind that after 6 months, the Note 5 price will drop further.
