Anyone using dbs multiplier acc? What r the pros n cons?

Im a big proponent of the DBS multiplier account.

Pros: easy to achieve criterias

• Salary credit

• Credit card spend (even if you spend $1 it counts)

• Invest saver - set up a recurring investment plan (min $100/month) to bring you up to the next tier of interest rates

• Decent interest rates in today's low yielding environment

Cons:

• DBS may choose to reduce thier interest rates or alter the account at any time​​​

I use. Don't see much pros.
Cons wise: they just revised the interest rates down TWICE in 2020. So I am looking for fixed deposit instead.