I do not think the 'same bank' is the case as long as the transfer or payment was made to different account number then it would be entitled.

Agreed with jefftan4888 to find out with bank cs first before assuming the change needed to be made. Curious to know what is not qualified too.

#1. Bill Payment 1
#2. Bill Payment 2
#3. Bill Payment 3+n

What you did:
1. RM500 transfer - fulfilled requirement for RM500 deposit into account + RM 1 into CIMB - fulfill 1/3 Bill Payment
2. BigPay RM550 - fulfilled RM500 spending requirement + RM 500 deposit requirement (why do it twice?)

where is the other 2 transaction of your bill payment or IBFT?
To conclude from what I read, you only fulfilled 2/3 requirements for the 1.3%x3 interest rates

Please check above quote on cucikaki's fulfillment of bill payment breakdown.

Your plan to change:
1. Changing my CIMB account to my mother/father’s account - No different because I can fulfill by using my own accounts
2. From BigPay, transfer to my CIMB bank instead of back to the same OCBC 360 - No difference

My 2 cents (for your case since you mentioned BigPay)
1. Use OCBC card to topup BigPay
2. Transfer BigPay back into OCBC
3. Do 3+n IBFT to your CIMB or whichever non OCBC account (if you're using OCBC CC then bill payment is considered)

Edit: Please take into account the posting and transaction dates as both needs to be in the same month

This post has been edited by sidefulnes: Nov 4 2019, 11:59 AM

Thanks.

Very strange, lately I was overseas and could only do this.

1. Transferred to 2 bank accounts of mine at other banks and paid the maintainance fee for the condo by recurring IBG transfer
2. Top up BigPay for RM500
3. Transfer RM500 from my CIMB Bank to OCBC bank

All worked I got all 3 bonuses.

So my guess is that they did not like the BigPay In/Out. I left the 500 at BigPay to be safe.

Can make a transfer from big pay to bank A then from bank A back to OCBC 360 saving account.

Disagree with both these statement.

1. Transfer 500 from other bank to ocbc360 will qualify for the deposit criteria.
2. Reload 550, transfer back will qualify for both spending and deposit criteria. its 2 different thing.

I believe u fulfill all the requirement to get 4.1% interest, just dispute to ocbc to clarify..

Latest tests, duitnow from mbb to ocbc on around 9.45-9.50pm yesterday.

All transaction considered as today deposit. Advise to those who like make payment last minute, especially payment to cc. Please take note and not kao8 later if kena charge.

Since yesterday night 10pm something, I am not able to made fund transfer to other bank from OCBC website.

Today morning try to login from ocbc website said password incorrect and get locked

But when use mobile app, I able to login... But when choose fund transfer to another bank, it said connection time out

Called CS and they said they do receive many similar report of this complain

Yup, happened to me. Payment of OCBC CC itself, kena charge late payment charges, however CS said they have reversed it out.

I made payment around 9.50pm - 10pm.

They reminded that OCBC has no longer grace period. Hence, please pay before 9pm on the payment due date to avoid any charges in the future. Since it's my first time, so they agree to waive it. But in the future, cannot wait anymore. CS also said our conversation is recorded. Ahahaha, oh wells. lesson learnt.

Hello!i did the same 1 mth ago. Gotten back only 2 of the 360 interest. The cs say must use ocbc credit card to top up bigpay then consider as retail for the criteria fulfilment. If transfer from 360 not considered.

No problem to pay on payment due date right?

cc payment due on 7 Nov, I can pay on 7 Nov 8am without kena any late charges right?

Make sense now. So that means henrytlh must have top up bigpay from OCBC saving account through online banking?

Found his mistake!

I used OCBC Debit Card to top up BP also qualified.

Yup can pay on due date but avoid 9pm onwards (i guess due to the 9.30pm and 9.45pm cutoff thingy)

Ok...I pay 1 day early to avoid all these shit.

There is no cut-off time applies for Instant Transfer. It is available 24x7, 365 days.

But this is not applicable for OCBC CC payment?

Only ocbc has cut off time for IBFT.. but, they have no right to charge late payment if we can proof that we did the IBFT on due date / via OCBC online banking.. just that hassle to call everytime to ask them to reverse due to their own system “defect”..

So, better pay early morning or b4 9pm

This post has been edited by mamamia: Nov 5 2019, 06:25 PM

what i mean but cut off is that, any transaction received by OCBC after 9.45pm/9.30pm will be considered next day.

when I made payment, my credit limit increased, hence, it is still instant transfer. My payment is made on 1 Nov 10pm, however, it is shown as 2 November - as OCBC treat any transaction after 9.45pm as the next day. Hence, that why i kena late charges. But since it is my first time and they do check I memang pay on 1 November, just that system shows 2 November, they agree to waive it. But only for this time. Next time gone case dy.

She advise the latest time to make payment is 8.59pm, to avoid any penalty in the future.