Ignore ocbc and go straight for Phillip money market. Don't need headache yourself with the terms and conditions. Ocbc cards are useless to spend RM500 on them.  Effectively lowering your interest rate to only 2.9%p.a vs Phillip money  market of ~3.5x%p.a

Why should you bother whether it's bank account or something which behaves like a bank account.

Did you read the condition to get 4.1%?
- bank in salary - no problem
- pay bills -  easy just as someone said transfer RM1x3 into another bank accoubt
- spend RM500 using ocbc card -  not worth it as ocbc card is one of the lousiest card = you get practically 0% cash back (if you count 1% Cashback as something )
So you are only get getting 2.9% (0.5+1.2+1.2)p.a

Now compare that with Phillip money market fund + say maybank amex gold
3.5x%p.a + 5% cash back on all transactions on weekends.
Doesn't that looks like a better deal to you?

What about liquidity?
With Phillip money market fund,  money is available on same day you uplift (sell) if you use maybank. Not sure the duration for it to enter your bank account (how many hours). So why can't you wait for few hours?

See my edited reply with calculations eg.

Of course not. Use amex instead of using ocbc card la. As mentioned ocbc cards are one of the worst cards to use in Malaysia.

1.2% = Deposit RM500 into account
1.2% = JomPay, IBG & Instant Transfer, if use transfer... to any bank will do, except OCBC
1.2% = Use RM500 on CC/DC, online purchase... retail purchase... pay wave... as long as u use the card (if u have other cashback CC and finds that this criteria not worth fulfilling, then you can look at UOB eAccount, provided you can reach certain amount of saving)

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 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

if u have 100k MAB, can consider UOB One Account..

else, digital bank interest is better than normal bank interest.