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

I have just closed 2 regular SA n open this OCBC360, will I enjoy the benefits from today or only starts in Feb?

I didn't apply for any debit card, already have ocbc titanium CC. Didn't know much about this account and was nearby the bank.

Thanks bro, so there is no need to fulfill the Deposit/Pay/Spend criteria in the beginning of the month(told by CS) so that the balances after that will enjoy all 3 bonus interest.

Dear sifu,

Can anyone please advise whats the updated interest for OCBC360?

If I IBFT FROM ocbc360 after 9.45pm to PBB will it be CREDITED into PBB savings account immediately?

I transfer 9.45, i still get interest from ocbc for 29/1 and get interest from SCB for 29/1.

Anyone doing the transfer between OCBC 360 to SCB PS account after 945pm? I recalled seeing it somewhere but couldn't find it via search topic

why must be 9.45pm? last minute bill payment?

For paying bill criterias, is there any minimum amount required for ibg in order to fulfill the criteria?

My June bill payments got sidetracked so was worried couldn't get 3rd bonus interest after reading other commentors.
Didn't pay CC bills, IFBT once to 3rd party account not under my name and my other bank account repeatedly.
Glad to see I managed to get all 3 bonus interest.

i use my OCBC Titanium to topup grab and TnG e-wallet
normally 12th of month will receive 0.1% CB
and 13th will receive another 0.9% CB
today already 15th the 0.9% CB still didnt show up
anyone face the same issue?

Anyone still have missing one Bonus profit for March 2021?

I do not hit the 3rd pillar for debit/credit card spend of RM500.

Is it somehow possible to use my debit card to pay my credit card from other bank? Any creative way to hit this?

Hi, is paying CC from other banks counted? I was told by a bank staff yes, but just want to double confirm. Thanks

Meaning, instant transfer or duitnow to other bank savings account is counted too?

how long does it  take to reflect in your CC acct?I scared terlepas due date for CC.Ive been trying to pay onn time to get interest reduced for CC hehe
when i pay and specify CC payment in OCBC online, then it auto sets "Payment type" as interbank GIRO
is that correct or i can change it to duitnow without affecting payment?

ooh will do..i cant seem to find it on d app,nvm ill try from desktop first.
thanks
ah then yea u shud call CS.
Guys, is there a "progress bar" for me to check how  far more I have to unlock d bonus interests?

Is this the latest interest calculation?

Here’s how you can earn up to 2.15% interest

0.05% - Base Interest (based on current Board Rate for Savings)
0.70% - Deposit minimum RM500 per month
0.70% - Pay any 3 UNIQUE bills with your OCBC 360 Account through OCBC Online Banking (e.g. transfer to OCBC credit facilities/ JomPAY/ Interbank GIRO / DuitNow) every calendar month.
0.70% - Spend minimum RM500 on your OCBC Credit Card

Just realised that Daily Transaction limit for Funds Transfer is only rm30k. SCB PSA is rm50k.

I only got credit for 2 bonus pillars. I spent more than rm500 on debit card, so should be getting credit for 3 bonus pillars, no?

Been always getting the save and pay bonus pillars, so no issue there I think.

Checked with OCBC. It is because FPX not counted for the payment pillar. I used FPX to pay Syabas bill via the app. Damn

What I do is I just set up recurring trasfer of RM1 to my other 3 bank accounts every month for as many months as possible. Never had to worry about that portion of the interest since day 1.

Isn't the recurring transfer charging you an amount every month though?