i was thinking the same as I was doing the math. the 1% cash back definitely better. if I just go by 30 days rather than 49 days, that's worse - u get 25 cents because 3% is per annum not per month.. so the calculation is about the same anyway:

RM 100 x 3 / 12 = RM 0.25
RM 100 x 1 / 100 = RM 1

So I cannot see how paying with CC makes sense at all.

i notice Transfer money out from GXbank is less strict compared to Rize

GXbank  Duitnow out RM50k, no second layer check, just key in  PIN,  money gone
even if 1st time transfer out 3rd party IC

In Rize 1st time transfer out, sure kena block
must wait for verification

Just transferred all my excess cash in GX Bank to Aeon Bank, just left enough cash in GX Bank to use for my debit card for the 1% cash back.

Really no brainer to leave excess cash in GX Bank as Aeon Bank interest is 3.88% (until end August I believe).

Even promotion online FD rates in conventional banks are about 3.5% to 3.7% in most banks.