For quite a while di RHB has been better than those two, why not that one?

Too lazy to do that, and their online/offline customer service not up to standard.

I'm also on PSA and 360. Have thought that RHB Smart seems harder to achieve?

Hi All

Am so sorry for my noobness. Hope you can guide me. I dont know what i did wrong tat i did not get my full interest

I’ve transferred 5 times bigpay rm1 from My Savings account to bigpay

And

Spent rm600 from my SC Credit card to big pay. And ive spent about rm1k from other merchants using JustOne

I feel i should be getting more interest or should i wait for a few more days?

30 sept posted are savings and deposit interest

If not mistaken, debit card usage interest will only be posted after 20+days, credit card usage interest just posted this morning

You’ve been wonderful

Thanks for your reply

Appreciate it alot

Depends on your usage of course. RHB need 3x bill payment (no minimum amount), transfer in RM2000 (I think, can't remember exact amount but around there), and spend RM1000 on CC.

The good thing about RHB is that in their webpage, where you viewing the savings account summary, there is a table showing which of the criteria you have already met for the month. No need to sendiri keep track in some excel sheet. It even shows degree to which you've achieved (so e.g. for the CC spend might show "you have spent RM500" and the target is RM1000.

For me I see no issue to achieve. I think most difficult is CC RM1000 (bill payment just pay RM1 x 3 to TNB or something), that one really depend your spending pattern/habit. I will say their Shell Visa can use to reload ewallet though.

Cool, will look into getting RHB Smart then. Perhaps will ditch PSA instead of 360 since PSA is lowest interest rate among all now

Thing is, which is the best rate can change over time as the banks readjust their offerings. For me, between me and wife we have all 3, just hold and use whichever is the best at that point in time. Both RHB and SCB got at least one useful CC to link with it anyway which we would use, only OCBC CC seem a bit lousy (still remember the Titanium days...).

I find titanium very useful with its unlimited 1% cb for most ewallet.

The 5% years back was so much better though.

Still waiting for RHB Smart % revision, not sure what they're waiting for though.

Revision to Privilege$aver Campaign Terms and Conditions effective 1 February 2023

https://www.sc.com/my/important-information...r-campaign-tcs/

any good?

If I understand correctly, every month need to increase RM3k from the previous balance, by end of the quarter can enjoy additional 2% interest for maximum average balance RM100k


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Will stop using this cos find the bonus loyalty not attainable for my usage. Luckily got ocbc360 n will explore rhb smart account.

If cashflow less than RM50k and RM30k, can try KDI 3.5% and Versa 4%, withdrawal within 1-2 days, interest calculate daily.

It looks more work to do for bonus loyalty. When OPR went down, SC quickly revise interest rates down. But now when OPR gone up, they don't bother increase interest rate. Instead they add another stupid requirement. Looks like I have to move my deposit to FD or somewhere else, much more easy.

For these 2, withdrawal needs planning so I will stick to those high interest CASA with instant withdrawal for my 20+ cc payment.

Just deposit RM2k and pay 6 times bill you can get the entire 3.3%. Dont need to spend RM1k to fulfill the requirement.