for self contribution
- can use CIMB and MBB
- enjoy dividend rate as usual

VS.
for I-Saraan/I-Suri
- only via MBB and Public Bank, others bank do not have this selection
- enjoy dividend rate as usual
- addition government incentives

http://www.kwsp.gov.my/en/member/contribution/i-saraan
Opted to contribute under i-Saraan
As a member under this incentive, you will receive a 15% government contribution (a maximum of RM250/year [Effective 1 Jan 2018]) on top of your own contributions.

http://www.kwsp.gov.my/member/contribution/insentif-suri
Housewives who are registered in the National Database on Poverty (eKasih) as of 30 Nov 2018
Receive government contribution of RM200* in 2018, and RM480 per annum in the subsequent year.
Must contribute a minimum of RM5 per month or RM60 per annum into your EPF account.