I don't even apply a debit card when open RHB Smart account, I tell the cs I don't need one

I remember I rrad the TnC, no charges for Smart acc alone, also double confirm with the officer who assist me on the account opening.

4 mths plus already, so far no abnormal charges

Oh~ I have RHB cc and have online vanking access prior opening the smart account

Can check with the officer if possible to have online access w/o debit or cc

I got my Public Bank online w/o debit, solely saving many years back, not sure RHB possible or not

Obviously yes bro

Oh ya, you win OCBC 360 is much easier with your way, easier to get ban by TnG also

Is that the reason why you stick with KDI only now?

Why don't you share your statement here, we help you calculate if you're getting 3.35%?

You don't even care to calculate for yourself, I think confirm 100% you won't get SC-PSA 4.15%

The 2% out of 4.15% is very tricky and hassle to manage, read the TnC carefully, lazy person like you hard to achieve!

Ya ya, done the calculation. Hence the best is Rize at this moment till end 2023, if no changes