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Banking Privilege$aver by Standard Chartered, up to 4.75%, Seems like so few people talk about it

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GrumpyNooby
post Apr 23 2020, 09:10 PM

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QUOTE(cucikaki @ Apr 23 2020, 09:06 PM)
https://www.theedgemarkets.com/article/bnm-...2%80%94-cgscimb

If this is true, then psa could fall as low as 2.85%!!!
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Could be but that's just CGS-CIMB own analysis.

Those guys in FD thread are more nervous now.
With extension of current MCO to 15/2/2020, not sure if AmBank allows new account opening at the branch after 28/4/2020
GrumpyNooby
post Apr 23 2020, 09:29 PM

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QUOTE(David_Yang @ Apr 23 2020, 09:28 PM)
No uncle, this is also the SC analysis. Got update from them on Monday, SC expects 0.5% cut in May and then another 0.25, so 1.75% for the rest of 2020!

And also OCBC told me to prepare for the May cut and the 1.75  bye.gif

The 12 month Ambank 3.5% will be DOUBLE the OPR, you said you don´t want to go, but maybe it is time to give the money to your kids and grandchildren and send them to AmBank  brows.gif
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I put into SAMY, Wahed, MyTheo, FSM and PRS.

I had shared my views in the FD thread that there'll be at least 2 more OPR cuts this year with min 0.5% cut in the pipeline.

The article didn't catch me in surprise at all.

This post has been edited by GrumpyNooby: Apr 23 2020, 09:31 PM
GrumpyNooby
post Apr 26 2020, 01:00 PM

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QUOTE(MGM @ Apr 26 2020, 12:56 PM)
Have to spend how much, cant load into ewallet?
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Spend Bonus requirement:

1. OCBC needs merely RM 500 with debit or credit card
2. SC needs RM 1000 with credit card

That's the huge difference he tried to highlight!
GrumpyNooby
post Apr 26 2020, 05:18 PM

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QUOTE(taiping... @ Apr 26 2020, 05:17 PM)
LFC/JOP?
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JOP:
https://www.sc.com/my/credit-cards/justone-...num-mastercard/

LFC:
https://www.sc.com/my/credit-cards/liverpool-fc-cashback/
GrumpyNooby
post Apr 26 2020, 05:26 PM

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QUOTE(taiping... @ Apr 26 2020, 05:24 PM)
Thanks!

Can I use this to transfer to perhaps bigpay and get cashback? I’ve read the conditions. Is it The CC to bigpay is considered online transaction? How many percent can get back for online transaction
Sorry noob here. Still getting a hang on cashbacks
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Yes both both cards.
That is what MGM meant for the beginning.
GrumpyNooby
post Apr 29 2020, 06:37 PM

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You can do more now via Digital Banking

user posted image

Source: Email
GrumpyNooby
post May 1 2020, 05:28 AM

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Base interest & Save Bonus interest are in!
GrumpyNooby
post May 1 2020, 11:20 AM

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PSA website updated

user posted image

https://www.sc.com/my/deposits/psa/
T&C: https://av.sc.com/my/content/docs/campaign-tc-psa.pdf

This post has been edited by GrumpyNooby: May 1 2020, 11:22 AM
GrumpyNooby
post May 1 2020, 12:27 PM

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QUOTE(!@#$%^ @ May 1 2020, 12:25 PM)
anything changed in the t&c?
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Base interest revised to 0.1%
GrumpyNooby
post May 1 2020, 12:33 PM

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QUOTE(taiping... @ May 1 2020, 12:32 PM)
So in total is 3.2% only

Without purchasing unit trust
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3.6% to be correct

0.1%+2%+1.5%
GrumpyNooby
post May 1 2020, 08:04 PM

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QUOTE(cucikaki @ May 1 2020, 08:02 PM)
Spend bonus is in too.
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Thanks for the update but it's weird since today's not working day for Malaysia.

I was expecting it to be in next Monday.

This post has been edited by GrumpyNooby: May 1 2020, 08:05 PM
GrumpyNooby
post May 1 2020, 08:05 PM

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QUOTE(MiKE7LIM @ May 1 2020, 08:00 PM)
thanks! gonna try this out

monthly interbank transfer 3K consider bank in right ..
spending with SC card constantly above 1K

cant wait for them to call me to activate this acc
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As long as the money doesn't come from within SC.
GrumpyNooby
post May 2 2020, 09:04 AM

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QUOTE(zenquix @ May 2 2020, 09:00 AM)
interests should be auto system calculated and generated
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But they already mentioned when the interest of each category will be credited in the account:

user posted image
GrumpyNooby
post May 2 2020, 09:08 AM

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QUOTE(zenquix @ May 2 2020, 09:08 AM)
yeah.. i suspect the coding is more "weekday" than "non-public holiday working day"
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Not complaining but just feel weird.
GrumpyNooby
post May 3 2020, 06:57 PM

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QUOTE(MalaysianFire @ May 3 2020, 06:56 PM)
you think OCBC might cut further ?
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Every bank has potential to cut further if there's a downward revision of OPR.
Result is due in next one/two days.
GrumpyNooby
post May 5 2020, 03:41 PM

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Base interest is at 0.1%.
They'll slash from Bonus interests.

My guess 0.25% from Save Bonus Interest and another 0.25% from Spend Bonus Interest. If luckier, could be 0.15% for both categories.

Invest Bonus Interest may not be touches since that had some tighter restriction and will bring in extra revenue to the bank via wealth products sale.
GrumpyNooby
post May 5 2020, 05:04 PM

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QUOTE(David_Yang @ May 5 2020, 05:03 PM)
My guess:
Base 0.1
Save 0.5
Spend 1.5
Invest 2.0
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They need to see how their neighbour move first. biggrin.gif
Currently at 3.4%

This post has been edited by GrumpyNooby: May 5 2020, 05:05 PM
GrumpyNooby
post May 8 2020, 12:43 PM

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QUOTE(MGM @ May 8 2020, 12:41 PM)
Just open PSA, so if start depositing this month >RM3K n use CC >1K, I can start collecting the 3.6% Interest for May even though it is a partial month?
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Yes.
GrumpyNooby
post May 8 2020, 02:42 PM

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QUOTE(Eurobeater @ May 8 2020, 02:37 PM)
As long as SCB hasn't made any sudden announcements. Afaik, no changes from SCB yet
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Be patient 21 days before 1/6/2020.
Maybe it could come in weekends though. dry.gif
GrumpyNooby
post May 8 2020, 03:56 PM

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QUOTE(David_Yang @ May 8 2020, 03:45 PM)
I have the feeling SC is too serious to change the May rules on Friday, 29th biggrin.gif (I know according to their TnC they could do it even on Sunday 31st)

Hopefully they will not proove me wrong.
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Because of this PC?

Standard Chartered Malaysia cuts base rate by 50bps effective May 14

https://www.theedgemarkets.com/article/stan...ffective-may-14
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