Actually latest promo w.e.f 01/12/2025 by competitors have some fineprints in order to get 4% pa. Otherwise, they are offering 2-3% only. Seems like 3% by Aeonbank has no complicated T&C. Keep in the jar / pot, you get 3%.

Then maintain with Ryt. Initial 3% then if so happen you spend >10.00 for 3 times or 5 times, then it is upgraded to 4%. Pretty sure every month we need to spend money anyway.