You can even split the payment to fulfill the 3x criteria. Paying the CC counts too.

You can even split the payment to fulfill the 3x criteria. Paying the CC counts too.
If the rate is attractive, I believe many would keep 20k in the account, maybe even up to 100k if they have the money. Why not? When the rate is even better than promo FD rates, why would one want to put into short-term FD. It is even better than short-term promo FD as one can withdraw anytime without any penalty.  

Another thing, OCBC 360 is a savings account with PIDM protection where both the principal & interest (4.1%) are guaranteed while GIA is an investment account with no PIDM where the principal & profit (3.6%) are not guaranteed.
There are other better OCBC Cards out there that you failed to mention. For e.g. OCBC World MasterCard (1.2% rebate on the first RM1,000 spent) or OCBC 365 MasterCard (1.0% rebate on first monthly spend of RM1,000). Why compare with Titanium that only gives 0.1% rebate? There is no reason a person cannot combine OCBC card with other cards to earn more cashback. Only RM500 spending is required to qualify for the bonus interest.
I could not agree with you more. There are so many possible scenarios where the account would be a good choice for the individual.

hey, I just transfer all the money from ocbc 360 leaving it 0, will the account closed on its own?

anyone having this can share their experience?

bump

Does anyone have issue receiving TAC sms from OCBC?
I am trying to login their OCBC online banking but most of the time i do not receive the TAC sms.

yep, problematic.

just press resend button. will get it immediately.

few minutes later, the login-triggered SMS comes in pulak. really faint.

Does OCBC bank provide Debit Card ? As im still using ATM only card at the moment.

There is no debit card from them.

I see ... That day I try withdraw from random ATM rejected.

OCBC has revised the terms & conditions for OCBC 360 Account: -

https://www.ocbc.com.my/assets/pdf/Accounts...1115_ACC360.pdf
Among the highlights are: -

1) Credit card bill payment is no longer considered as eligible for Bill Payment category for Bonus Interest

2) Multiple payments to the same account will be considered 1 payment only, meaning split payment does not work anymore

3) IBG payment to other banks will be included as well in Bill Payment category

4) Minimum balance is RM0 now instead of RM20. However, account with RM0 balance for more than 90 days will be closed.

OCBC has revised the terms & conditions for OCBC 360 Account: -

https://www.ocbc.com.my/assets/pdf/Accounts...1115_ACC360.pdf
Among the highlights are: -

1) Credit card bill payment is no longer considered as eligible for Bill Payment category for Bonus Interest

2) Multiple payments to the same account will be considered 1 payment only, meaning split payment does not work anymore

3) IBG payment to other banks will be included as well in Bill Payment category

4) Minimum balance is RM0 now instead of RM20. However, account with RM0 balance for more than 90 days will be closed.