Why not both?
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.

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.

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

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

No problem with IBG
Ringgitplus promo for OCBC 360
Link

yes u r right, I do that every month

Means that if my balance is RM25000 (assuming after all the transaction below done in 1st day of month), I can enjoy 3.9%+(base) on the RM25000 ??? from 1st-31st of the month, credited following month?

-I just need to:
1. transfer RM500 from other bank.
2. Pay RM1 to 3 bill / same bill 3 times.
3. Reload bigpay RM500

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

Just open this OCBC 360 account. I found out that I am unable to transfer out from this bank.

I got one saving account previously.

Banker said already help tag the debit card to OCBC360.

But when I want to do transfer from my 360...not available to select from. Just the saving account. GG.com.

Will be activated tomorrow latest by evening. Try again tomorrow. Been there done that.

Just in case it doesn't work by tomorrow, it's not too late to contact CS.

During my account opening, the banker already help tag my existing debit card to the account.

Account was open 3 days(Saturday) ago. and I just call bank, he said that tagging debit card and "online transaction" tag is different. Means the online transaction is not activated by default. Need to call for activation. I asked why and was responded that some customers opt not to have online transaction and just to view balance only.

Scare die me...all fund inside and cannot transfer out...later cc loan cannot pay back.          

Need to wait the guy to submit. He said do it as "urgent" case, later (hope) he will call me for second round verification. Normal case usually need 2-3days.     

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.

DuitNow works with or without ATM card. It is instant anyway.

Im not sure what was the arrangement between you and the banker. But im ok with just ibg albeit a bit slow.

Duitnow qualifies for the bonus interest. tried it last month when I first got my 360 account.

I have some questions, maybe can help answer :

1)For those who open OCBC 360 saving account recently, may i know do they need company letter(To identify you work in that city) if own IC do not match the city that you are in now?

sidefulnes Only got 1.3% *2 instead of 1.3%*3 which was reflected in August. That's because although I did spend $500 in July but some of my spending was only captured in August. Thus, OCBC deemed that I didn't meet the $500 spending criteria in July.

See link below, look like yes.

Link (360 Account-i):
https://www.ocbc.com.my/OCBCAL_Amin/pb_deposits.shtml