I have actually opened this account. Personally I use it as sort of an FD as the rates are decent and I like the ability to withdraw my money when I want to. The card spend isn't actually that bad especially if you are a Great Eastern customer. (their Great Eastern Plat Card splits your premium over 12 months)

I did compare it to Maybank's and Hong Leong's offerings but

Maybank Premier Plus - requires RM500,000 balance to earn 2%? Might as well dump it all in an FD.

Hong Leong Pay & Save - Paying 15 Bills to get 1.9%? I mean how many bills do you have unless you're running a business


Only thing I can complain about is probably the lack of ATM's. But then again, i guess it forces me to spend less and save. Which is the reason for opening the account in the first case!

So Ramjade, assuming I have a credit card from each of these respective banks. Which one offers me the highest interest rate for the least amount of work?

As mentioned, I'm currently using the 360 account so this is what happens.

Salary goes into 360 - Fulfill RM500 deposit pillar 1.2%
Pay 3 Bills - TNB, Syabas, & Paying Great Eastern CC for insurance premium - another 1.2%
Spending RM500 on cc - My premiums is already 50% of this. The remaining can be done with one meal out with family (Heck even T.G.I.F can hit RM300 for a party of 6!) - Another 1.2%

Whilst some other accounts may give marginally more, will they ever be as simple as what i'm currently using?

Just my opinion. Some people really like the OCBC Platinum Mastercard, my wife included .

Whilst the 0.5% rebate isn't the most fantastic, the Auto IPP 0% interest split is super helpful with big purchases.

e.g.
Car suspension damaged by Pot Holes + Worn Tyre RM 1,850. Paid with Plat Card and we only paid RM308.33 for 6 month

It also helped pay for my Wedding Dinner as I split the total RM30,000 over 1 year! Essentially it costed me RM2,500 over 12 months (because of 50% deposit). In terms of helping cash-flow, i don't think there is any other card that can do the same.

Having said that, you have to be very careful with a card like this because if you're the kind that only looks at minimum repayment ........

Well so far I've been spending a little bit over (Avg 600-800) on top of my IPP installment. But I'll check at the end of this month as spending is lower. (Saving for new family member )