OCBC 360 Savings Account - Up to 3.25% Interest !, Get higher interest on your savings acct
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 Apr 13 2016, 01:38 PM
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#1
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Senior Member
3,838 posts Joined: Sep 2013  
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i use this ac to the max possible. treat it as a 4.1% monthly credited fd that can be withdrawn with the flexi of cheques anytime (i pair it with a current ac). rm500 to ocbc CC is very good enough for misc purchases that do not earn cashback anywhere else or when other CB is maxed out as ocbc ge gets 1%, wmc gets 1.2% on anything.
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Apr 13 2016, 01:40 PM
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#2
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Senior Member
3,838 posts Joined: Sep 2013
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QUOTE(adele123 @ Apr 13 2016, 08:35 AM) I tried reading the t&c. Didn't find their appendix. It doesn't seem to restrict that the 3bills paid via ocbc online banking cannot be 'shared' with the rm500 spent on the ocbc card. May not be too difficult for some. yes i split my cc payment into 3 and it works. |
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Apr 13 2016, 06:19 PM
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#3
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Senior Member
3,838 posts Joined: Sep 2013
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QUOTE(Ramjade @ Apr 13 2016, 03:09 PM) My answer would be 3. bro u do not understand that some of us spend alot and already max out other cards? we have expenses that dont fit into vox or pb vs or wise card spend patterns? one person alone in my family ..the insurance premium with GE easily hit the requirement for example. the ocbc 1.2% is a great backup card and many people easily go 5k not to say rm500 with it (1) ocbc SmartSavers (dump rm1k /month into it with NO WITHDRAWAL - defeat the purpose of a SA) (2) ocbc 360 (for me the max I can get is 2.9% will explain) (3) RHB bonus savers (dump rm500/month). End of 1 year, you get effective rates of 2.65% (if you do not withdraw the rm500). However next year, you will get 2.65% regardless of amount. The rm6k can be removed on the 13th month. You can get 5% CB from UOB VOX if you pay your bills online. Must use certain sites. That's better than 1.2%. For dining use the m2cards to get 5% CB. Again better than 1.2%. Well is up to you. If you want to maximise the amount of money you will get, you will stop at 2.9% and use those cards. For me, I will personally choose RHB bonus savers as my future SA. Less hassle the following year. Any amount, no limit on withdrawal with rates of 2.65%  so for us its not even a chore to hit 4.1% which beats 3.15 efd hands down.This post has been edited by HarpArtist: Apr 13 2016, 06:20 PM |
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