Please OCBC, keep this 4.1 account alive, dont make any changes.

it is still 4.1% but base interest reduce to 0.2%, while bonus interest increase to 1.3% per each bonus category.
it is still 4.1% overall, but what will be the impact of reducing base interest?

I am perfectly happy with this. Will use the 360 account now even more than before.

yeah

Ocbc the best!

Hi, I have a question regarding this, would appreciate if anyone can answer my queries.

So for this Ocbc 360 acc, to be eligible for the bonus, criteria is to
1) deposit at least RM 500 every month
2) Pay at least 3 bills online every month
3) spend at least RM500 on your ocbc card every month

I'm assuming that your action of (2) transferring RM5 to 3 different bank is an act for "Paying at least 3 bills online every month", right? But based on the website, it suggested that us to pay bills via Jompay. So I would like to know if you NEED to pay bills via Jompay, or just transferring money to different bank (perhaps via Instant transfer, or IBG) will satisfy criteria num 2?

Thanks in advance.

Just transfer to 3 different bank will do.

Now using this OCBC account to keep the money.
Receive monthly pay. Criteria 1 done.
Pay other bank CC via instant transfer. Criteria 2 done.
Load to ewallet (boost/bigpay/touchngo) RM500. Criteria 3 done.
It is easy to achieve.

anyway to avoid annual fee & instant transfer fees?

your credit card annual fee you hv to talk to the bank. this account do not have annual fee. the debit card annual fee cannot avoid.
instant transfer got fee??? I thought all bank waive it???

No fees for instant transfers, unable to avoid annual debit card fee but worthwhile if your returns are much higher than the debit card fee

Apply for lifetime free credit card such as titanium mastercard. Then cancel off the debit card.

Debit card = atm card no?
Can cancel 1 meh and request for no annual fee version of ocbc 360?

Yes, you can keep the OCBC 360 account without any debit card.
Annual fees charges is on the debit card. If no debit card = no annual fees charges.

I understand from them can use credit card to set up internet banking, no need debit card. But if you need instant transfer, must have debit card. With credit card can only do ibg transfer.

Cannot avoid if want to enjoy full 4.1%


Not good idea. Credit card SST RM25 vs Debit card RM8.

Credit card rewards value - RM25

vs

Debit card rewards value - RM8

Which one higher?

So even if the cc has no annual fee it still has SST rm25?

All CC has SST (charged by and paid to government). Nothing related to the annual fee (charged by and paid to bank).

hi - i am new here

hello welcome