Can uplift early and I roughly calculated the rate, it was around 3.60%.

I believed the promo is rm10k? Don't know. If normal limit, see first page.
Don't bother about that ratio. What you need to see is the profit rate. That's what you are getting.

The 70% = 3.55% p.a.

Prinicpal and returns  are not guaranteed. Keep that in mind. However so far maybank honor their part. Money never went missing.

By default, u need to choose at least 1 mth
Having said tat, u can withdraw b4 expiry

Sorry, newbie here. Unsure whether it's appropriate to ask here, I placed FD on Islamic FD for Maybank, is there any disadvantage if I do an uplift now?

From the stmt, I can conclude tat it's not on campaign rate
Based on my placement otc, it show int rate @ 3.60% for 12 mths in m2u

i checked last friday, 12m is full and only 6m available. May i know how you see the rate? i could not see it.

no problem doing so, i've been doing it religiously

there are few groups of key transfers that i need to do in a month, especially credit cards.

transfer 1) car loan - mid month (dont ask, cant change the date  )
transfer 2) 1st group of cards with same due date, 3rd week of the month
transfer 3) 2nd group of cards with same due date, 4th week of the month + house loans

method 1:
gaji masuk, transfer all to egia immediately (same day as pay day).
uplift then transfer for car loan. make new placement from the balance.
uplift again to repay credit card group 1 due date, then make placement from balance.
uplift again to repay credit card group 2 due date + house loans, then make new placement from balance + new gaji masuk.
rinse and repeat.

method 2:
alternatively, after gaji masuk, you can split the placement according to the group of transfer to be done in the future, this way, no need to uplift-placement so many times. just uplift a specific placement just enough to transfer.

let's say my gaji bersih RM6k. transfer all to egia immediately (same day as pay day).
make placement of RM1k for car loan.
make another placement of RM1k for credit card due date #1.
make another placement of RM4K for credit card due date #2 + house loans.
come next mid-month, uplift 1st placement of RM1k. transfer for car loan.
come 3rd week, uplift 2nd placement of RM1k (repay credit card due date group #1).
come 4th week, uplift 3rd placement of RM4k (repay credit card due date group #2 + house loans).
balance + new gaji, split the placements again for next month's future transfers
rinse and repeat.


p/s: leave some cash for ATM withdrawal or duit poket. you cant uplift between 10pm until next morning 6am, so just be prepared if need emergency money middle of the night (e.g. masuk balai ke, pinjam member ke, tow truck service ke, klinik or hospital outpatient ke, etc) 

this rate is valid until 15 Apr.

new rate every 16th.

First of all, gia is not fd.

The gia rate is between last month's 16th until this month's 15th.

Any placement within this period will be the stated rate.

It rate revised later, ur existing placement will get the revised rate accordingly, based on the new period cycle.

That means the rate is applied on daily basis, irrespective to when u place it.

why would there be?

if too much to handle, uplift and combine them back with new placement lo
if too much money , should put into FD with higher rate. use gia for short-term only, like 1-3 months.

if you have too much money and no plan to use it, FD is still the best.

check the FD topic, banks already offering 4%+ for 6-mth and 12-mth placements.