Affin 15 mth, 4.05%. See package 1:

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affin debit card fee is rm20 per annum tho

before opr cut, better offers were promoted by other banks. i believe that more or less the Cash were moved out from pbb. banks always need more cash (capital) to maintain their current status and many other usages. fd is just a part of programme to accumulate / to retent their cash.

+1

Being "Chinaman" banks, PBB and HLBB have strong capital cashflow and solid financial resources to keep themselves running. I would dare say they are the best if not, safest bet amongst local banks in Malaysia.

For Rm30k? Need to go through so much trouble?

I do not agree that Public Bank's FD rate is not competitive. In fact, it is offering above average rate for its board rate. Its FD board rate is higher than Maybank, CIMB & the foreign banks.

Check out the link below for the comparison.
Latest FD Board Rates

If I am not mistaken, the latest promotion from Public Bank at 3.88% p.a. is the highest at the moment for 6-months FD (excluding those special deals for Premier customers).

The savings account interest rate on the on the other hand is pathetic. Although the previous promotion for its savings account was very good (5% bonus one) which is better than many short-term FD promos.

so many people sulk on fd interest rate. pampered by 4.5% rate.

back in oct 2014, after opr increase, fd promo 3.87% to 4%. now the 3.95% and 4.05% by affin still not bad.

wait until another reduction of opr, that will be bad.

Thank you very much for the replies 

Just to confirm for 4.15% FD package 2, debit card fee is RM20?

hi everyone, sorry to ask a basic question. can i uplift the deposit before maturity date? Will this cause to waive the interest?

For 6 months tenure, the promotional FD rate is as follows: -

Public Bank - 3.88% with monthly interest
RHB - 3.70%
Affin - 3.60%

So, how can you claim that they win over Public Bank? In fact, their rates are lower for the same tenure.   It is not fair to compare to other tenures like 12 or 13 months. Usually, the rate is higher if you place for a longer period of time.

FD just matured today!

Should I go for Affin Bank's 4.25% or wait for Merdeka promo?

Went to Affin branch in Bayan Baru. All done within 8 minutes ! Nice ! 

Put in for 15 mth 4.05%, pure FD. On maturity, all go to SA. So on maturity, I can xfer the fund to anywhere there is FD or for other uses. No need to go to the branch.

Asked about the 4.15% promo, need to apply debit card. Take 3 weeks to get it. Cannot get the promo rate until the debit card approved in the system !  Something wrong there. Anyway did not inquire further as do not want to get into hassle of cancelling the debit card later. Debit card first year free and second year RM20.