Well you can get 6.85% with RHB Smart, so why not?

If by minimum balance you mean the "MAB goal", then no. Keeping it right at the goal means you get 0 bonus, because the bonus only applies to the excess. That's how I understood the examples and TNC.

Long story short, promotion for them, not so much for you lol

Lol good point, modified now. At least with more stars like how they love it

This post has been edited by Takudan: Nov 3 2025, 12:48 AM

all gimmicks only to trick people
if your MAB so high effective rate will be very low...

such lousy offer bettre ignore them
when you can easily get 3.5 to 4% from digital apps or KDI


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Ohh yours CIMB preferred seems to have more favourable rates. I mean, the bar is much higher yes, but at least I think the bonus applies to the whole RM 250k (the target MAB) in your example?

RM 45k MAB for kuli plebs like me is stupid as hell because I not only have to sacrifice interest of the base RM 45k, on top of that only the exceeded amount of up to RM 30k is applicable for the 4% (due to 75k limit). Like, it's quite scummy they're obscuring the mathematics behind, as if assuming most people wouldn't do the maths or read the TNC.

Meanwhile KDI and Versa can provide almost 4% without this much gatekeeping and it applies to the whole amount to a certain extent. I have 0 reason to break my other piggy banks to flatten THEIR piggy bank.

Interesting sharing though, I did not expect such differences with the Preferred.

My RHB account been having smaller amount last few months since threw all my liquidity in SSPN for the 1% ganjaran kesetiaan.

October was withdrawal date, so I dumped into Smart account. Did some quick maths to ensure RM100,000 monthly average balance.

I have joy@work status, and I satisfied the spend and pay conditions.

Received RM4.25 on 31st Oct and RM441.645 on 7th November. Based on my calculations that's 5.25% p.a. exactly (5.2499)

For November I add RM1041 to MAB (slightly above in case their maths rounding different) hopefully can maintain.

The problem with hitting 6.85% is that the remaining actions all quite expensive. Don't mention home loan/auto loan, RM100 brokerage fee is effectively spent to get RM135.89 additional return. Investing in their unit trust opportunity cost is high. Anyone tested converting to foreign currency/precious metal? What's the spread, and does it work if convert and then convert back?

search what i share in below group. sorry i dont know how to bring the comments here. other people can do it, you lose rm20+ to gain 6.85% (extra of rm130++ on 100K)

# RHB Smart Account/i - Interest Rate up to 3.35%

This post has been edited by xiaoxiaoshen: Nov 10 2025, 12:28 PM

Okay, I'll bring it over:-

The task 3 is what you're talking about. Need multicurrency accoutn though? Let me chekc how to open that.

yes, multi currency acc, buy n sell USD within 1 minute will lose about rm20++ (based on rm3k conversion) but you gain on interest.