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 OCBC 360 Savings Account - Up to 3.25% Interest !, Get higher interest on your savings acct

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kaiserreich
post Jun 21 2019, 01:59 PM

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QUOTE(sidefulnes @ Jun 20 2019, 09:14 PM)
OCBC has revised the interest rates.... So it's time for me to apply for a credit card to get the 1.3% interest.
Choosing between OCBC 365 and OCBC Titanium.... Which credit card are you all using? 365 seems to be just teensy bit better but annual fee waive up to 3 years.  Does it mean I have to call everytime to waive the fee or its automatic?
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Why not both?

QUOTE(vrek @ Jun 21 2019, 12:34 AM)
Alternatively, you can use the ATM debit card to reload eWallet. It counts towards the "1.3% interest when use credit card"
You can opt to use that amount in your eWallet or withdraw.
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For ATM debit card, you need to pay annual fee of RM8.
I have cancelled my debit card. Using credit card instead.
Yes you need to pay SST for credit card, but with OCBC Ti or 365 which gives 1% rebate, just swipe RM2500 over 12 months on BP and you are done.
You need to swipe RM500 per month anyway.

One day OCBC gonna remove BP from eligibility, but this trick still works right now.
kaiserreich
post Jun 26 2019, 10:41 PM

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QUOTE(mamamia @ Jun 26 2019, 10:15 PM)
Can I choose not to get the debit card when I apply the acc? Bcoz I notice when u open the acc, it will charge RM8 + annual fee of RM8 annually.. without debit card, can I still get the access for online banking? I didn’t have any OCBC product yet
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You need to ask. Probably can sign up first, then cancel later.

I had the ATM card initially. Then they changed to debit card, and I chose not to renew.
kaiserreich
post Jun 26 2019, 11:05 PM

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QUOTE(mamamia @ Jun 26 2019, 10:48 PM)
So mean first year must pay RM8, subsequent year only can cancel b4 the annual fee kick in
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On 2nd thought, you need the ATM/Debit card to register your phone number for OTP and online banking login.
So either way, you have to pay the first RM8
kaiserreich
post Jun 27 2019, 11:06 PM

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QUOTE(kart @ Jun 27 2019, 10:29 PM)
Currently, you have only an ATM card for your OCBC Savings account, right?

If I remember correctly, OCBC ATM cards can no longer be used for ATM withdrawal.

Anyway, without a OCBC debit card, can you still perform instant fund transfer from your OCBC 360 Savings Account?

Thank you for your information. smile.gif
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ATM card already deactivated and can no longer be used.
IBFT cannot be used as I do not have ATM card.

However, I can use DuitNow which is the same as instant transfer laugh.gif
kaiserreich
post Jun 28 2019, 05:29 PM

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QUOTE(mamamia @ Jun 28 2019, 07:38 AM)
How about IBG?
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No problem with IBG



Ringgitplus promo for OCBC 360
Link
user posted image
kaiserreich
post Jun 30 2019, 12:54 PM

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QUOTE(Ancient-XinG- @ Jun 30 2019, 11:48 AM)
Anyone here know about Citibank acceleration saving account?

Seems like conditional but higher interest than 4.1
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QUOTE
Receive Bonus Interest of 4.38% p.a. on your Incremental Balance versus previous month’s Average Balance*.


On incremental balance only.
If that month no incremental balance, then you out of luck lor.
So far, this 360 with 4.1% is nice.

Stand Chart 4.0% is not bad too.
kaiserreich
post Jul 1 2019, 11:54 PM

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QUOTE(cklimm @ Jul 1 2019, 08:45 PM)
I am now trying with put 30k first month, withdraw all the second month, put them all back 3rd month. hope it works
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Good job for thinking outside the box
kaiserreich
post Jul 5 2019, 02:24 PM

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QUOTE(avinlim @ Jul 5 2019, 10:15 AM)
haha..lol...don say like that la...later ladies here marah.

for the instant transfer part

3x times to other bank...is there any min amount required? RM1 will do?
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Why RM1 only? You don't have any loans or CC bills?

I pool my liquid funds into OCBC. Then when it reach time to pay CC bills, house loan, car loan, I will schedule future transfer out 1 day before CC/loan due date to maximize the interest earned.
kaiserreich
post Jul 9 2019, 04:28 PM

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QUOTE(asd5139 @ Jul 9 2019, 04:05 PM)
Without debit card/bankcard you can only do ibg transfer not instant transfer. Some people dont mind doing transfer that require +- 2 days only to fulfill the criteria for the dividend and can skip the rm8 annual fees. But cc need rm25 for sst.
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DuitNow works with or without ATM card. It is instant anyway.


kaiserreich
post Jul 9 2019, 04:53 PM

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QUOTE(avinlim @ Jul 9 2019, 04:31 PM)
The fact that, when your account not setup properly, you cannot do any transfer including duitnow. of coz you can transfer into that account via duitnow. Its 2 different thing.
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I don't get what do you mean about 'account not setup properly'
My account was setup properly I guess, but without ATM card because I choose not to change the ATM card into debit card. To do that, I would need to visit a branch, find parking, take number, queue, etc.. you get my point.

For my account, I can transfer via DuitNow in and out without any issues.

QUOTE(mamamia @ Jul 9 2019, 04:38 PM)
So, will duitnow fulfill the 3 bill payment requirement for the bonus interest?
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Never tried. I IBG to my Credit cards since all of it are future dated.

This post has been edited by kaiserreich: Jul 9 2019, 04:54 PM
kaiserreich
post Jul 9 2019, 05:01 PM

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QUOTE(asd5139 @ Jul 9 2019, 04:59 PM)
Call me kampung minded. But im not confident with bank transaction that uses mobile phone number. I feel macam it is not secured.
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Why not just keep all your money under your bed?



DuitNow also works with IC numbers.
I tie my OCBC to IC number and another bank with Phone number.
I can DuitNow in and out without issue.
kaiserreich
post Jan 14 2020, 10:42 PM

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QUOTE(cucikaki @ Jan 14 2020, 06:18 PM)
I get RM300 only, supposely get RM1,050.

Out of 21 days

18 days - 12.00.01am - 12.00.59am
2 days - 12.01.00am - 12.01.59am
1 day - 12.03am++

I screenshot the time at the otp page everytime i topup rm500
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Don't know how they determine the eligibility.
I only managed to get 5 days. I swiped everyday from sept 11 - Oct 31.
I suspect the earlier days were easier to win as the contest was not much publicized.
kaiserreich
post Jan 18 2020, 03:44 PM

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QUOTE(Eurobeater @ Jan 17 2020, 05:45 AM)
Coz as much as possible, i prefer to spend using a credit card from another bank. OCBC's cards are a bit sucky on CC rewards
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OCBC TI gives unlimited 1% rebate on online
OCBC 365 gives 1% rebate on anything up to RM1000

Surely you can figure something out laugh.gif

 

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