Anyone who have tried the UOB Young Professionals Solution before? It looks attractive with the idea of being able to save + invest.?

Investing into a unit trust? Avoid. Learn to invest on your own for better returns.

And honestly, why do you need to even spend to earn higher interest? Citi's Maxigain account gives a slightly lower rate for just one condition: not withdrawing from the balance

It's not the most ideal if your intention is to soley invest and save. The money which is used for investment derives from account interest and cashbacks.

UOB One Account gives you an interest rate of up to 3.33% p.a. as long as you:

• Spend S$500 on your UOB YOLO every month AND
• Credit your salary (min S$2,000 monthly) or pay 3 bills via GIRO monthly

UOB YOLO Credit Card earns 8% rebate on weekend dining and entertainment and 3% rebate on online and mobile payments as long as you spend a minimum of S$600 in a statement month.

Unless you're spending substantially (as part of your lifestyle), you'll be investing less than $100 in the fund monthly. If you're thinking of the investment as in addition to the existing features, then you can consider it.