Do let us know after this
But based on UOB calculator, the rate is for entire balance -> https://uniservices1.uob.com.my/jsp/calcula...sav_deposit.jsp

If i read correctly, you must maintained the same balance or more than previous month balance to qualify for the interest, else u get... nothing?

"*Maximum Effective Interest Rate on the Stash Account is 3.5% p.a. at RM100,000 deposit, provided customer's Monthly Average Balance (MAB) for the current month is equal to or more than previous month’s Monthly Average Balance."

If you hate debit card, OCBC has this free basic credit card that gives 1% cashback for online transaction and 0.5% for others... it may not look much but...

Lets say you have 50k to keep in bank...
1/ base 0.5% bonus is ~RM20
2/ each 1.2% criteria bonus is ~RM50
3/ cashback 0.5% for RM500 spending is RM2.50

With monthly spending of RM500, you get RM52.50 bonus (10.5%), you can count this as cashback/rebate or whatever you want, and it is definitely better than most cashback cc out there

Mine was refunded around 40 days, good luck!