Go for OCBC 360. 4.1% easy.

For me,
Con:
- Deposit RM3k per month (tough)
- Invest/Insurance payment (tough)
- Campaign 6% interest end 31 December 2019 (may be renewed).

Pro:
- Spend RM1k by credit card
- Total 6% interest only if meet all 3 conditions
- Debit card withdraw waived at ALL atm in malaysia.

too complicated.. alliance bank one 3.5% save plus account..simple, str8 forward.

You need to count how much they charging for unit trust transaction. If 5%, don't think is worth it to transfer your ASM since now ASM gives min 5% returns.

I will say that, assuming 100k (Max) in that account, do everything required, will make you 6000 a year (IF ceteris paribus);
end up being only paying RM6300 (12000-6000+300) to have RM12k in unit trust account.

Even if the investment turned sour, you need to lost like 50% in unit trust before seeing red, not to mention such occurence is rare, especially when buying monthly.

Verdict: should they choose to renew next year, I shall move some dough from of ASM into this.

Caveat: What if they made ewallet top up by card ineligible someday in future? what if they choose not to extend this Jan 1?