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

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David83
post Apr 4 2019, 08:47 PM

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QUOTE(nexona88 @ Apr 4 2019, 08:45 PM)
Nowadays rm6, rm60 or rm600 is very important..
Every ringgit counted... Not $$ growing on tree.. Just pick whatever u want 🙅
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How about 60 cents and 6 cents? whistling.gif
syaaron
post Apr 5 2019, 12:38 PM

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QUOTE(nexona88 @ Apr 4 2019, 08:45 PM)
Nowadays rm6, rm60 or rm600 is very important..
Every ringgit counted... Not $$ growing on tree.. Just pick whatever u want 🙅
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Agree , every dollar counts
PokemonManiac
post Apr 6 2019, 06:44 PM

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Any shifu here know about this? Whether the spend 500 using debit card for one of the criteria of 1.2%. Is use the rm500 1st day of the month and let's say 28th of the month get same interest? Hope enlighten. 😁
Vector88
post Apr 6 2019, 07:12 PM

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Is Direct Debit (eg: Astro direct debit to OCBC credit card every mth) counted as credit card usage?
2feidei
post Apr 6 2019, 07:19 PM

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QUOTE(PokemonManiac @ Apr 6 2019, 06:44 PM)
Any shifu here know about this? Whether the spend 500 using debit card for one of the criteria of 1.2%. Is use the rm500 1st day of the month and let's say 28th of the month get same interest? Hope enlighten. 😁
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Yes, interest is calculated on average daily balance

QUOTE(Vector88 @ Apr 6 2019, 07:12 PM)
Is Direct Debit (eg: Astro direct debit to OCBC credit card every mth) counted as credit card usage?
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Huh? Debit card got direct debit? It direct debit from debit card mean online payment, not credit card usage. Anyway, this is my understanding lah. If direct debit from ocbc credit card, then, it credit card usage. Then, u pay credit card from 360 account, then, it consider online transaction
PokemonManiac
post Apr 6 2019, 08:11 PM

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QUOTE(2feidei @ Apr 6 2019, 07:19 PM)
Yes, interest is calculated on average daily balance
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I refer to the terms and conditions pamphlet. For my understanding spend first day and 28th of the month is different? Cause the average daily balance tend to me more if spent at 28th of the month
2feidei
post Apr 6 2019, 09:15 PM

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QUOTE(PokemonManiac @ Apr 6 2019, 08:11 PM)
I refer to the terms and conditions pamphlet. For my understanding spend first day and 28th of the month is different? Cause the average daily balance tend to me more if spent at 28th of the month
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something like that lah, but, unless it big spending, then, the amount is negligible. And, don't forget the max interest is capped at RM100k jer biggrin.gif
ProxMatoR
post Apr 7 2019, 12:55 AM

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QUOTE(PokemonManiac @ Apr 6 2019, 06:44 PM)
Any shifu here know about this? Whether the spend 500 using debit card for one of the criteria of 1.2%. Is use the rm500 1st day of the month and let's say 28th of the month get same interest? Hope enlighten. 😁
*
please do note the RM500 spending is based on POSTING date, not transaction date.

for interest rate is calculated on average. so definitely the deduction of RM500 the later it is, the more interest you can get, as your average daily balance will be slightly more.


QUOTE(Vector88 @ Apr 6 2019, 07:12 PM)
Is Direct Debit (eg: Astro direct debit to OCBC credit card every mth) counted as credit card usage?
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have you checked the T&C?
Vector88
post Apr 7 2019, 10:06 AM

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QUOTE(2feidei @ Apr 6 2019, 07:19 PM)
Yes, interest is calculated on average daily balance
Huh? Debit card got direct debit? It direct debit from debit card mean online  payment, not credit card usage. Anyway, this is my understanding lah. If direct debit from ocbc credit card, then, it credit card usage. Then, u pay credit card from 360 account, then, it consider online transaction
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In my case, I intend to do 3 x direct/auto debit per month to my OCBC credit card (NOT debit card), so it will automatically qualify for the Spending category. The 3 x direct debit to my OCBC credit card are Astro, Unifi and Worldvision.

Anyone try this before ?
2feidei
post Apr 7 2019, 03:22 PM

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QUOTE(Vector88 @ Apr 7 2019, 10:06 AM)
In my case, I intend to do 3 x direct/auto debit per month to my OCBC credit card (NOT debit card), so it will automatically qualify for the Spending category. The 3 x direct debit to my OCBC credit card are Astro, Unifi and Worldvision.

Anyone try this before ?
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consider the criteria met
LostAndFound
post Apr 8 2019, 06:36 AM

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QUOTE(Vector88 @ Apr 7 2019, 10:06 AM)
In my case, I intend to do 3 x direct/auto debit per month to my OCBC credit card (NOT debit card), so it will automatically qualify for the Spending category. The 3 x direct debit to my OCBC credit card are Astro, Unifi and Worldvision.

Anyone try this before ?
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Should not be an issue. Try to ensure the monthly dates aren't end of the month.

To be safe, can let all three "pass" and then call OCBC to inquire on how many transactions been recorded
kimi0148
post Apr 11 2019, 09:55 AM

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Does anyone know whether can open this SA in OCBC Al-Amin branch?
vin_ann
post Apr 11 2019, 10:45 AM

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QUOTE(kimi0148 @ Apr 11 2019, 09:55 AM)
Does anyone know whether can open this SA in OCBC Al-Amin branch?
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Yes. I was at PJ branch
But too bad, they saw my IC address is Kedah, requesting me to present HR letter

I went to my home branch in masjid jamek where I have existing al-amin Islamic account. No extra document needed to open 360
kimi0148
post Apr 11 2019, 12:09 PM

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Thanks for tip!
tadashi987
post Apr 29 2019, 03:57 PM

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anyone getting SWT19999 error when try to login their e-banking website?
funlp
post May 8 2019, 05:07 PM

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user posted image

Saw this on OCBC website, most probably they will reduce the interest rate?
David83
post May 8 2019, 05:43 PM

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QUOTE(funlp @ May 8 2019, 05:07 PM)
user posted image

Saw this on OCBC website, most probably they will reduce the interest rate?
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UOB has revised down their interest rate of Conditional High Yield SA in anticipation of OPR cut.

e-Account is reduced form 3.5% to 3.4%.
Sumofwhich
post May 8 2019, 06:03 PM

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QUOTE(David83 @ May 8 2019, 05:43 PM)
UOB has revised down their interest rate of Conditional High Yield SA in anticipation of OPR cut.

e-Account is reduced form 3.5% to 3.4%.
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Cut benefits damn fast, cut loan interest rate need to wait long long lol
David_Yang
post May 8 2019, 11:33 PM

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I hope they will not kill the 4.1 @ 360 account.
Ramjade
post May 9 2019, 07:27 AM

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QUOTE(Sumofwhich @ May 8 2019, 06:03 PM)
Cut benefits damn fast, cut loan interest rate need to wait long long lol
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Of course. If they waste time cutting interest for saving account or fixed deposit, they are losing money.

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