Thanks for info. Has reserved one set with BR. Has been MIA with BR for quite some time. 
I have not go into MBB GIA-i 4.1% and instead went to OCBC 3.95% and Alliance Bank 4%. It is just pseudo FD for me. 

Year end gift ? U mean calendar and diary or something more than that ? 

So if equal or exceed RM 20 k, affin is the highest now ? 

Why u use "not sincere" ? U are talking about the MBB GIA-i rate, right ?

It is the nature of the product. We cannot say it is a real FD, can we ? 

What make u use the term insincere on BR ? Just because I said I am MIA ? 

When did I say that ?  U have mixed up during reading ? I have big exposure in BR. 

Need to calculate the effective interest rate as both FDs must be opened with equal amount and minimum must be 20k for total two.

If A = 15k
B must be 15k

*Hint* if you're an xclusive member & in klang valley, go to BR HQ at Brickfields, they have lots of diary & calendar stock there.

I am their loyal customer ! 
300k AUM. At one time there was long discussion on this, like 2 years ago when they introduced this membership. I received the card through post. 

The old timers would know about the 300k requirement for xclusive member
I think off & on there are some gifts also but I am very seldom in that area.

I understand that AMB, after some absence, is in with a short promo starting today for next 5 days. It's 3.8% for 7 months and 4% for 21 months but min. deposit is $100,000. I did not check personally but heard from somone so do check direct if interested

genx bro shared RHB FD promo on his FB
6month @ 4.1% and 9month @ 4%
minimum 50k

I just placed this afternoon with the Jln Tun hslee branch

make full use of promo code by Grab/Uber

not if you are a premier banking customer which you can uplift at any branch. I can even place the fd without the need going to their branch as my rm will come and visit me to get the necessary thumbprint and submit on behalf of me

me a kicimiao only. anybody can apply for rhb premier banking for a min 200k in deposit and I'm very glad that i have a very helpful rm who will help me to settle most of my banking matters

any idea what is the cut off time of the day for interest calculation? asking specifically for maybank eGIA. wanted to try calculate the interest by uplifting. thanks.

I think all RHB branch can place FD at 4.1%, yesterday I place at JB branch. So disappointed with Maybank, they only allow $100K withdrawal per day using Cashier's order, cash only $25K..

I think maybank might be running out of funds...

You can always go to Affin, promo until CNY

May I know what's affin fd promo rate for now?
Anyone heard of HSBC bank 5% for 3 months welcome program?

What's your opinion on the best fd rate now..

Just went cimb and they offer for Prefered Customer
3.4% - 3 month conventional
3.7% - 3 month Islamic

RHB
6 month 4.1%
9 month 4.0%

Hong Leong
6 month - 3.8%
so better do it online on Tuesday to get 4.15%

Collected 2 sets of diaries and calendars from BR. The diary is solid and of good quality:

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