Did some research. Real viable option is only BigPay. The rest dont allow you withdraw if top up with CC

Revision of Product Board Rates and Profit-Sharing Ratio effective 1 August 2020 [for SC]









https://av.sc.com/my/content/docs/my-revisi...ates-august.pdf

Sure or not? Sounds very good but how come I don't read about it anywhere?

I have been using Alliance SavePlus all this while, but recently they again lowered the tier payout and added one new one, which is RM 350,000+ then only can get 2.25% (which sucks anyway).

All this while, their highest tier was RM200,000 with 2.25% interest.

I am looking for other options, including 6 months or more FDs which pay monthly interest that will surely be better than this. Two potential good ones are Am Bank and Bank Rakyat i-Term deposits....

This post has been edited by Hobbez: Jul 30 2020, 06:20 PM

Regarding Standard Chartered (SC), I just opened PSA recently at SC Subang Jaya and have been offer for RM70k in FD with 2.9%, RM30K in PSA with 2.1%. Yes, it is not advertise, have to go branch to enquire. Need to have RM 100K in SC account for at least 14 days to apply. Offer ends at end of August.

This post has been edited by CPURanger: Jul 30 2020, 07:54 PM

Y PSA only 2.1% and not 3.6%?

Not sure, I think she mean savings part but did not mention spending and invest part. I didn't ask further as not interested at that time.

BTW the offer is only for six months deposit.

your bank officer also forgot to mention it is for new to bank Premium (100k - 249k) and Priority customers (>250k) only.

Promo used to be on the website but is currently verbal only.

Yeah she did mention about Premium account. Too much info like investments for me to remember. All I want is just PSA & CC

This post has been edited by CPURanger: Jul 31 2020, 02:16 PM

yeah it is 1-time only. once u lose your virgin status .. later when want to get it also cannot.

basically once u put in >RM100k with SC, if you don't take up the fd offer now, you lose it forever

This post has been edited by zenquix: Jul 31 2020, 02:20 PM

Ha ha. I am no virgin. Good rates. Probably won't be seeing this kind of rate for a long time after this offer. May consider.

This post has been edited by CPURanger: Jul 31 2020, 11:17 PM

Do debit is a must for rhb smart account?
I already have rhb cc and also rhb now online

Yes, just verified, same biller also can.

Bro ,is the biller was all the jompay thing?
I try by mobile apps ,only show jompay?

Yes, I paid my bills using jompay desktop website.

Anyone is using UOB One account?

Does the interest rate is giving out monthly 1st or 15th?

Since this saving account will need to tie to UOB credit card, does my annual card fee for my credit card will have any change and also debit card?

Can this One account set up can be done online without require to branch?

Yes, can open online




If you have PIB access, can also open from PIB:




Product link: https://www.uob.com.my/personal/save/saving...ne-account.page

This post has been edited by GrumpyNooby: Aug 3 2020, 09:02 PM

Just to clarify the meaning of first RM 50k in this table for UOB One account:


If I keep my monthly saving about RM3k -4k and fulfill the 2 criteria, am I eligible for 1.65% pa interest for that month? Does the first RM50k means the minimum of monthly saving of RM50k and also fulfill the 2 criteria?

MAB up to RM 50k will earn 1.65% pa
Next RM 50k (MAB from RM 50,001 to RM 100,000) will earn 2.65% pa (max EIR = 2.15% pa)

And of course, all conditions need to be fulfilled.

MAB = monthly average balance

This post has been edited by GrumpyNooby: Aug 4 2020, 01:14 PM

ok, in this case MAB 3k-4k and fulfill all conditions can get 1.65% pa and from RM50,001, the whole MAB is 2.15% pa? Right?

If your MAB is RM 3k to 4k, then you earn 1.65% pa
If your MAB is RM 50,001, then you earn 2.15% pa

This post has been edited by GrumpyNooby: Aug 4 2020, 01:22 PM