of course they will promote things that will give them good commission.

nowadays can't trust 'most people'. need to do own research. go to ocbc website and u can see how u can achieve the 4.1%, no investment needed.

The deposit, spend and paybills criteria can be done at any point of time during the calender month right (for example 19th of every month) then I will still get the bonus rate of 1.3% + 1.3% + 1.3% right.

The banker yesterday explain to me differently but I'm sure he's wrong. Lazy to argue with him, I just yes yes all the way as my lunch hour is only an hour. ahahah. - as per him, if the 3 criteria only met middle of the month (say 15th) of the month, then i will rugi as the 3.90% will not be calculated based on the average balance will only start when I fulfill the criteria. say (RM2000 x 15 days) divide 30 days.

Trust the people here. We do more research and real case than the bank site. haha....360 is best for now till they revise the %.


As long as u do all 3 within that month, posted that month, you are safe. Thats y I have mentioned earlier, avoid doing cc/dc transfer after 25th(safest), better do it earlier, as cc/dc settlement will delay. If posted nex month, you lost 1.3% for that criteria.

For others, just make sure you dump all your money on 1st of the month, as all interests are calculated base on the days of money that stay at your account. I got one excel calculation, the value not running much 1-2 cent different from what I really get, if any one interest, can pm me to share.

This post has been edited by avinlim: Oct 16 2019, 08:25 AM

Pm sent.

Look forward to your file and thank you very much for sharing.

Sure...since I think I can't share the we transfer link openly here. will just PM.

Would appreciate if u can share the link with me too. I have my own excel, based on my understanding and the banker’s understanding and maybe u can have a look

ur excel how? base on your calculation, the interest credited match your excel?

Mine one got 1-2 cents different.

how do i set the standing instruction or recurring payment in this OCBC website ?
All i can do i one time payment at selected date only each time.
And how long does it take for transfer from Own account to Pay OCBC Loan ?

This post has been edited by genesic: Oct 17 2019, 08:26 AM

Own acc to own ocbc loan immediately transfer, on the spot.

any telemarketer recommend for OCBC credit card application? Plan to get credit card first before open OCBC360 account as doesnt want to get the debit card. And normally credit card take times to approve, right?

Proceed to bank branch. Within a week.

i check the website, it mentioned need to apply through telemarketer only can get the RM50 cashback.
And if walk in to the branch, that means i need to walk in twice to get the things done. Just wonder can apply online first then no need to walk in twice.

RM 50 need to apply thru telemarketing person, at the same time RM25 sst rebate which will credit back into your statement.
So yes application can be submitted online thru the telemarketing person.

This post has been edited by sidefulnes: Oct 17 2019, 04:29 PM

Wonder where to find those telemarketing person

Bill Payment:

1) Pay RM10 to TNB account abc
2) Pay RM10 to TNB account xyz
3) Pay RM5 to Air Selangor

Are the above transactions valid as 3 bill payments?

Is there any minimum amount for bill payment?

Yes.

No.

Refer to clause 3.4 below
Link:
https://www.ocbc.com.my/assets/pdf/Accounts...unt_TnC_ENG.pdf

I suggest you go open bank account 1st, deposit few k into that account. Then proceed to ocbc online cc application, they will email you and one saleman will follow up with you. pretty nice the salesman - Lawrence.

https://www.ocbc.com.my/personal-banking/Cards/index.html

Online apply via here. They will email you the current promo.

This post has been edited by avinlim: Oct 17 2019, 05:26 PM

I think credit card payment also qualifies for ‘spend 3x bill payment’.


1. Pay Standard Chartered CC RM5
2. Pay OCBC Titanium RM3
3. Pay OCBC 365 RM2

Maybe @alvinlim can confirm.

Yes

Pay CC bills via Instant Transfer?