If you monitor the extras that you are paying, IMHO it's not really worth it even though banks throw in the 5X reward points or Cash Back. Unless it's business expenses then I'll spend anyhow


Been driving like that for more than 5 years. No problem, never get asked or stop

So without employment letter (which I doubt any banks will accept that proof since anyone can type such letter), you are implying money to put in to open is higher?

OCBC 360 pay better interest. Most of my money is in this account. Interest payment alone $100+- per month. Can cover my makan expenses. Syukur

Yes. I qualify all, salary, cc, 3 GIROs except for their investment bonus

I don't think so. Must buy their fund, unit trust, etc. I'm not interested in those thus never bother.
Just drop OCBC a visit to understand more. Worth the time since this give you $100 x 12 moo lah a year