my sister never able to apply for the OCBC credit card cause her salary not meeting minimum requirement
so you are saying that she still open a OCBC 360 account and use the debit card and make a RM500 top up to WeChat Pay then withdraw it
then also make 3 bill payment which can be bank transfer
and also bank in RM500 per month then she qualified for 4.1%?
anyone tested this before?

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.

I believe that's just a standard term used by SCB, where T&C states till end of this year... so they can change heavily if they want to next year...

but if they got good responds, I think they will keep it...

just like what they did end of last year, the extended it to end of this year...

I believe that's because they started to push this privilege saver account since 2016....

just guessing...

at least you have few months of interest earned, not as bad as just 1 month.

after all, this OCBC 360 is still steady all these while, just till recent change on interest rate calculation without affecting the final 4.1%

to fulfil it, it can be easily done by just performing all the "needs" by beginning of every month, within same day. so you can put it aside for the rest of every month :thumbsup:

try search "bill payment", you will get the answer  :thumbsup:

Looks like so far this is still the best SA...

just a quick question on citibank

if my initial deposit is 1000 ...so if i deposit 30k at Jun... then i will get 30k punya @4.38% right?

then July i withdraw all back to 1000 ..i will only get 0.5%p.a (keep 30k at other place for 1month)

then Aug i deposit back 30k ..will it entitled another 4.38%?
would like to understand whether ocbc 360 better or citibank

All or partial money? I only could think of BigPay 10k and Boost 4.5k, where else 15k can withdraw?

so you all do notice me
yes it is like 90% is borrow money la
unker still have like 4 to 5k my own money lo

So basically BigPay, Presto, Boost and HelloGold
Easily 30k no problem

I'm pretty sure you have at least RM 100k in 360.

No. Only toward spending criteria. I've used it before. Because I'm using the debit card to autodebit, it counts as spending criteria only.

Yes.

Nope, i also not sure cause i just joined 1 month club XD

Then only saw this OCBC and wanna turn side liao 

Thanks for the info
Hope they extend for another 5 to 10 years

Unker don't understand why opr will drop
What will determine opr?
Economy good opr drop?
Economy bad opr rises since more ppl borrow money?
Or is it now Malaysia lots of ppl got lots of cash then not much ppl borrow money?
Anyone can provide some simple explanation?

I work 30 years in the air condition industry so don't know much about financial stuff.

It will just reduce your life span not the aircond life span
Don't use dry mode too much as overtime it will dehydrated you without you knowing

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.

I am having my ocbc 360 account under ocbc al-amin. is it possible for me to apply for ocbc credit card which linked to the spending criteria of ocbc 360?

I rmb i read somewhere ocbc 360 for ocbc al-amin cant use credit card to fulfill the criteria, only debit card..

i just walked in and open without any amount of money - but was advised to put in some money later which i did ...

but when i called up prior to walking in - they did say they have some terms and conditions for opening this account ...

yeah they try to hardsell this to me also - but i told them i wasn't interested ... even when i ask for CC, they weren't much interested to sell their CC ..

There's one condition "Spend RM1,000 on your credit card to earn 1.5% p.a. bonus interest." Does topping up rm1k to big pay fulfil this criteria?
Sorry, off topic.