BASE RATE
0.1% p.a.
MAX RATE (ALL TIERS)
3% p.a.
BALANCE CAP
RM100,000 (bonus interest capped at RM100,000 average daily balance)
■ BONUS TIER REQUIREMENTS
Salary credit NOT REQUIRED
Card spend REQUIRED — min RM500/mo
Bill payments (JomPAY / standing instruction) REQUIRED — 3 bills
Insurance / investments via bank NOT REQUIRED
PIDM insured YES — RM250,000 per depositor per member bank
Minimum balance RM20 initial deposit (app) / RM500 (branch); RM20 min balance
HOW THE RATE WORKS
Base 0.10% p.a. (entire balance) + Deposit 1.00% (min RM500/month) + Pay 0.95% (3 bills online) + Spend 0.95% (RM500 card spend) = up to 3.00% p.a. Bonus capped at RM100,000 ADB; paid by 14th business day of following month.
SOURCE
https://www.ocbc.com.my/personal-banking/deposits/360-account
OCBC Malaysia official 360 Account page - base/bonus pillar rates (0.10/1.00/0.95/0.95), RM100,000 cap, eligibility
Verified 4 Sept 2026. Rates change — always confirm on the official site.