Do you have a OCBC credit card? Only OCBC debit card can be link to OCBC 360-i saving account. While OCBC credit card can be link to OCBC 360 saving account. Try see the differences here.

Have you activate the OTP for OCBC 360 debit card? Have to call the numbers behind card or proceed to bank branch for help on it.

Not possible but you can try and report back here of the result. Big pay card is not a credit card but a prepaid card. You can only top up big pay from its bigpay app.

For bill payment, any other credit card payment or bill payment or fund transfer to another bank account is considered provided its a different account number. Same account number will be considered as one bill payment.

Yes

This post has been edited by rojakwhacker: Dec 30 2019, 06:15 AM

Yes as well. I always make credit card payment monthly.

4.1% p.a. where 1.3%x3 is a bonus interest rate and 0.2% is a base interest rate.

14th business day here refer to within 14 working days, whereas Saturday, Sunday and public holiday is not a working day to bank as it claims to be.

Yes.

If anyone want to add on insurance, can go ahead but if no, then let go.

Is referring to the same topic?

Just some sample below:

1)Base Interest:

Daily balance x base interest rate x 1/365

Example:
Date: 1st Jan 2020
Daily balance after 9.45pm: RM1000
Base interest rate: 0.20% pa.

You get RM1000 x 0.002 x 1/365 = 0.00548 (roughly amount).
RM0.00548 is only base interest amount for 1st Jan 2020 (1 day only).

If for month of Jan 2020 which have 31 days,
- no spending, you get RM0.00548 x 30 days = RM0.1644 for month of Jan 2020.
- yes spending on 6th Jan 2020 for RM500, you get (RM0.00548 x 5 days) + (RM0.00274 x 26 days) = RM0.0986 for month of Jan 2020.


2)Bonus Interest:

Condition:
(A)Spend by Debit card or credit card
(B)Saving
©Bill payment

(A) or (B) or ©: Average Daily Balance x Bonus Interest Rate x (Number of days in month / Number of days in year)

Example:
Condition: (A)
Opening Balance after 9.45pm 1st Jan 2020: RM1000
Date of Spent: 6th Jan 2020
Amount of spent: RM500
Bonus Interest rate: 1.3% pa.
Number of days in Jan 2020: 31 days
Number of days in Year: 365

Daily average Balance:
1st to 5th day : RM1000 x 5 (No spending)
6th to 31st day: RM500 x 26 (RM500 balance due to spend RM500 on 6th Jan 2020)
Total 31 days: RM5000 + RM13000 = RM18000
Daily average balance: RM18000 / 31 days = RM580.65

(A) fulfillment of 1.3%: RM580.65 x 0.013 x (31/365) = RM0.64


3)Conclusion:

If fulfill all (A) + (B) + © + Base Interest for Jan 2020:
= RM0.64 + RM0.64 + RM0.64 + RM0.0986
= RM2.02 (roughly round off to 2 decimal places)

RM2.02 is the total interest that been fulfilled for Jan 2020.
RM0.0986 will be received by 31st Jan 2020.
RM0.64 x 3 will be received by 2nd of Feb 2020.

The figure above is just a rough estimation only due to 2 decimal places.

Reference:
https://www.ocbc.com.my/personal-banking/accounts/360/
https://www.ocbc.com.my/assets/pdf/Accounts...unt_PIS_ENG.pdf
https://www.ocbc.com.my/assets/pdf/Accounts...unt_TnC_ENG.pdf

Yes. For the RM1, if read from many post back in this thread, some sifu have advice raise above RM1 such make it RM5 or RM10. For this, no comment by me, i transfer RM10 each.

This post has been edited by rojakwhacker: Jan 1 2020, 06:38 PM

Yes

Auto debit is more or less like recurring transfer/transfer to a future date. So no doubts, it is accepted in the pay bill condition. How about use transfer to a future date on PTPTN, would it work? Can do RM1 transfer for a try.

3 transaction on same account, ptptn and still entitled for pay bill condition?

Yes, i always pay more than 3 credit card bills per months.

It only state minimum 3 bills but not same bill account number. So same bill account number works, need further test.

Qualify 1:
RM500 credit card = RM500 spend

Qualify 2:
RM500 debit card = RM500 spend

Qualify 3:
RM200 credit card + RM300 debit card = RM500 spend

1)Did register phone number for debit card?
2)Is the overseas transaction set to allowed for debit card?

3rd tab after login online banking
-> Customer service -> Overseas card use -> Shop purchases is ticked/ enabled?


Overseas card = online transaction and/or overseas transaction.

This post has been edited by rojakwhacker: Jan 8 2020, 05:00 PM

Is the phone number already registered to debit card? If not, call bank (number at card behind) or go bank branch to register or find out what's wrong there.

This post has been edited by rojakwhacker: Jan 10 2020, 06:46 PM

Wait 3~6 months later and try apply credit card again.

Yes.

Use online banking = bill payment.

Use debit card = spending

Yes. I use DuitNow (fund transfer).

No. Minimum 3 bills.