Let's post here nanti people reported my pist
Apparently you didn't calculate properly.
0.5% - Base Interest (based on current Board Rate for Savings)
1.20% - Deposit minimum RM500 per month
1.20% - Pay minimum 3 bills via OCBC 360 Account using IBG/IBFT into any bank account min RM1
You can IBFT, IBG into your own bank account and is counted.
Total effective rate 2.9%p.a Still think it's inferior?

You should know me by now. I don't give free money to banks if I can help it. I attempt to squeeze out as much money as possible from banks. So with ocbc 360, no way I will use their card.

yeah
Just do Instant Transfer 3x also counted as bill payment -

1. Compare to SC privilege savings, is this better rate + easier to achieve?

2. Is there any charges for withdrawal/transaction exceeding certain numbers of times.??

3. Boost/BP reload using their debit card also consider spending? top up(boost & by) using direct account debit not entitled right? I do not have their cc.

4. their interested in calculated from 1-31 every month? and credited following month?

Hi guys, when I open my account just now, the bank staff also promote this thing to me. But it sounds too good to be true?

https://www.ocbc.com.my/personal-banking/In...ield/index.html

I have limited knowledge about this kind of thing as I always park my money in ASB since it's almost a risk-free investment.

For this endowment plan, there's guaranteed payment of 5% for the first 5 years, then subsequently it's 13% till year 13.

Coz they staff ask whether I can fulfilled the spending RM500 with their CC. Coz he said if no, then might as well take this insurance stuff, then can charge the premium to my OCBC CC.

I think all OCBC branch comes with ocbc conventional and al m-amin?

Spending of 500 can come from their DC or CC. If u spend online, then titanium. If other retail, then ocbc 365 cc.

360-i is islamic and 360 is conventional.

The difference is if apply 360-i, ur spending of 500 must come from DC while normal 360 can come from ur DC or CC. Coz al amin got no CC, so u need to spend 500 on ur CC. Cannot use conventional CC to fulfill the criteria for 360i.

Saving account:
- 360-i = Islamic account = use debit card only
- 360 = conventional account = allow to use credit card or debit card
(If user have both accounts, 360i account with debit card then have to use credit card on 360 account, due to one debit card tie to one user only)

Try ask in al amin branch, might have 360 conventional account if you want to go for this.

Credit card:
- Many users holds OCBC Titanium credit card for its cashback of 0.9% on online transaction, while normal retail transaction is 0.1% cashback only.
- While other cards like 365 credit card as suggested by cucikaki is for normal retail transaction with 1% cashback on first RM1k transaction and 0.5% on subsequent transaction above RM1k.

Spend more on online transaction then take OCBC titanium credit card.
Spend more on physical store retail transaction then take OCBC 365 credit card.

Open saving account or apply credit card first doesn't matter. It is auto detect/link.

But for the bold part if both saving account here means 2 OCBC 360 and OCBC 360-I? If yes, need to inform bank the debit card is tie to which account.

Yes may do so,

1)Apply credit card first then open 360 saving account

2)Open 360 saving account first then apply credit card

3)Do both

Should be safe to apply ocbc credit card from people promoting in mall like apply credit card from other bank too.
For credit card, can refer to above link, current campaign to get cashback RM50.

For 3 bills payment, can be any payment /fund transfer like instant transfer /ibg /recurring transfer to any bank account from ocbc /other bank, and is not tie to owner of account but bank account itself in a calendar month. Example, pay 2 different credit cards from same bank.

Hi,

I am interested to this OCBC saving account. I wish to get clarification from your guys.

1. Does the maximum amount that can receive the base interest of 0.2% is RM100,000 and any minimum amount must keep in the account?

2. Does the Pay section include standing instruction from debit card for payment make on 3 different Yes internet (YTL Corporation) account monthly?

3. Does the Deposit section require customer to have increment/step-up of RM500 each month or just deposit minimum RM500 that can be the same amount from previous month?

4. Ringgit Plus is giving Xiaomi Band 3 if register with them then open account in bank and deposit RM20,000 on the day. Any experience of getting the freebies with them? Otherwise I will put my initial deposit the of RM500 only.

tried reinstall?

I got hint can get you approve after 3 month.