Very simple, just stick to basic unit trust of your choice. Sales charge should be 2%, don´t take higher, lower is not qualified.

If you want to get the add 2% for 20k in your account choose monthly installment of RM1000, if you want to go for 100k choose RM6000. Don´t choose anything else will reduce the earnings.

Done.

But be prepared that they probably want to sell you more complex (and expensive) stuff than the unit trust 

I thought min sales charge is 2.5%

“Eligible Unit Trust” means any Regular Savings Plan of unit trust/Islamic unit trust (“UT”), (exclude exchange traded funds and switching transactions) purchased through SCBMB or SCSB with a minimum sales charge of at least 2.5%.

https://av.sc.com/my/content/docs/campaign-tc-psa.pdf