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> OCBC 360 Savings Account - Up to 4.1% Interest !, Get higher interest on your savings acct

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Ramjade
post Jan 6 2019, 06:18 PM

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QUOTE(sidefulnes @ Jan 6 2019, 05:59 PM)
Been receiving several calls from OCBC pestering me to get a credit card for full 4.1% interest rate benefit. During the most recent call, I replied I do not want additional credit cards due to SST. The sales guy said, I do not have to worry about it as the bank will absorb the SST charges.

Is this true? Also what is the benefits of the 365 card? 1% rebate up to 1k only...no points. Also need to spend at least RM500 to get the 1.2% intereste rate...I barely spend that much anyway as I have the Maybank 2card amex 5% cash back on weekends ... I only use the visa card if the shop does not accept amex...Also I have treat points which can be redeemed for vouchers....so I do not see the point in getting the OCBC 365 card..

What's your opinion?
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If you don't get >5% cashback for it, don't use it.
LostAndFound
post Jan 7 2019, 06:53 AM

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QUOTE(Ramjade @ Jan 6 2019, 06:18 PM)
If you don't get >5% cashback for it,  don't use it.
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That's a very general statement. In fact if you've maxed out the 5/6% cashback (and even the 2-3% of cards like SCB JOP) 1% isn't bad.
The Chauvinist
post Jan 8 2019, 12:57 PM

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QUOTE(Ramjade @ Jan 6 2019, 06:18 PM)
If you don't get >5% cashback for it,  don't use it.
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QUOTE(LostAndFound @ Jan 7 2019, 06:53 AM)
That's a very general statement. In fact if you've maxed out the 5/6% cashback (and even the 2-3% of cards like SCB JOP) 1% isn't bad.
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And how many cards actually give > 5% cashback.

Although its only 1%, but if you need to keep a large amount of cash extremely fluid, 360 account a very attractive option.
Ryaness
post Jan 11 2019, 06:31 PM

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I make an online payment via ocbc debit card 2 days ago. but now my account still having the ledgar balance (undeducted) and available balance (Deducted). is my payment successful?
how many days needed for ledgar balance to show deducted amount???
cklimm
post Jan 12 2019, 06:56 PM

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QUOTE(Ryaness @ Jan 11 2019, 06:31 PM)
I make an online payment via ocbc debit card 2 days ago. but now my account still having the ledgar balance (undeducted) and available balance (Deducted). is my payment successful?
how many days needed for ledgar balance to show deducted amount???
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within 7 days
Sumofwhich
post Feb 2 2019, 03:50 PM

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I have not tried scheduled transfer before, is it using IBG or Instant Transfer?
Please and thanks!
cklimm
post Feb 2 2019, 04:42 PM

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QUOTE(Sumofwhich @ Feb 2 2019, 03:50 PM)
I have not tried scheduled transfer before, is it using IBG or Instant Transfer?
Please and thanks!
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ibg

Sumofwhich
post Feb 2 2019, 04:57 PM

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QUOTE(cklimm @ Feb 2 2019, 04:42 PM)
ibg
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Thanks, guess I'll just set a reminder and use instant, thanks!
AskarPerang
post Feb 3 2019, 02:26 PM

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Not bad 4.1% pa. Not too hard to achieve. As freedom to liquid the fund anytime you want.
Better than FD as you are not tied down to some fixed tenure. Even OCBC doing promo FD for 2 months period still giving less than 4% pa return.

02/02/2019 02/02/2019 360 BONUS INTEREST -
02/02/2019 02/02/2019 360 BONUS INTEREST -
02/02/2019 02/02/2019 360 BONUS INTEREST -
01/02/2019 31/01/2019 INTEREST CREDIT -

This post has been edited by AskarPerang: Feb 3 2019, 02:26 PM
Grevade
post Feb 3 2019, 03:30 PM

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Does paying my credit card/loan count towards the spending min RM 500 requirement?
alexanderclz
post Feb 3 2019, 04:02 PM

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QUOTE(Grevade @ Feb 3 2019, 03:30 PM)
Does paying my credit card/loan count towards the spending min RM 500 requirement?
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if u can pay ur other credit card/loan with ur ocbc credit card or debit card, then definitely
Grevade
post Feb 3 2019, 04:41 PM

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QUOTE(alexanderclz @ Feb 3 2019, 04:02 PM)
if u can pay ur other credit card/loan with ur ocbc credit card or debit card, then definitely
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How to pay with debit/credit card? Would online transfer count as paying with card?
alexanderclz
post Feb 3 2019, 06:55 PM

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QUOTE(Grevade @ Feb 3 2019, 04:41 PM)
How to pay with debit/credit card? Would online transfer count as paying with card?
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no way as far as I know. online transfer is not considered
AskarPerang
post Feb 3 2019, 08:41 PM

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QUOTE(Grevade @ Feb 3 2019, 04:41 PM)
How to pay with debit/credit card? Would online transfer count as paying with card?
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For the RM500 spending, only usage by physical swiping your card or online banking by key in your 16 digits number and CVV code count towards “spending”.
Grevade
post Feb 4 2019, 11:09 AM

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QUOTE(AskarPerang @ Feb 3 2019, 08:41 PM)
For the RM500 spending, only usage by physical swiping your card or online banking by key in your 16 digits number and CVV code count towards “spending”.
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So am I right to say paying bills wont count towards this spending?
Sumofwhich
post Feb 4 2019, 11:39 AM

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QUOTE(Grevade @ Feb 4 2019, 11:09 AM)
So am I right to say paying bills wont count towards this spending?
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Utility bills yes,
credit card bills no as they are considered as fund transfer.
AskarPerang
post Feb 4 2019, 01:18 PM

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QUOTE(Grevade @ Feb 4 2019, 11:09 AM)
So am I right to say paying bills wont count towards this spending?
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As previous reply, is based on the method of payment.
If physical swipe at the card terminal example at kiosk, then yes counted.
If online log in to the website of the payee example TNB, and key in your card details, then yes counted.
If log into OCBC online and select bill payment method, then no, will not count as credit/debit card usage. And if you realise, the number of available payee via OCBC online also very limited.
addylee
post Feb 5 2019, 10:47 PM

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What about top up to bigpay? If this is counted as part of the rm500 requirement?
AskarPerang
post Feb 5 2019, 10:56 PM

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QUOTE(addylee @ Feb 5 2019, 10:47 PM)
What about top up to bigpay? If this is counted as part of the rm500 requirement?
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Yes counted.
Grevade
post Feb 6 2019, 11:47 AM

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QUOTE(AskarPerang @ Feb 4 2019, 01:18 PM)
As previous reply, is based on the method of payment.
If physical swipe at the card terminal example at kiosk, then yes counted.
If online log in to the website of the payee example TNB, and key in your card details, then yes counted.
If log into OCBC online and select bill payment method, then no, will not count as credit/debit card usage. And if you realise, the number of available payee via OCBC online also very limited.
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Understood. Thanks for your helpful reply

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