PSA has already reduced base rate to 0.1% so no more room there. if it were me, it'd probably be a reduction of 2% SAVE bonus to 1.8% or 1.7%. 1.8% is already high, not many FD can get that. of course this is me speaking with my banker hat on.

alternatively, instead of JOP, take the visa platinum (no annual fee) and transfer to big pay just enough to meet 1k spend.

I'm proposing people to alter their cashflow, not spending. yes there is an extra rm6 per month to withdraw the money from big pay, but one only need to have at least rm6/(1.5%/12) = rm4800 to break even.

Not really telling how much is the rate, I'd expect on par with the standard privilege accounts i.e. not very high. But I guess someone out there that earns more than RM7k per month is going to be attracted by the "Digital Financials Dashboard" service.