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Hi Wreazzy,

Just to supplement on BOC Smart Savers - both Salary and Credit card spending are tier interest just to be clearer.
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Salarly credited into BOC account $6000 or less interest will be 0.3%pa. Salarly credited above $6000 interest will be 0.5%.
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Credit card spending between $500 and $1500 interest will be 0.3%. Spending above $1500 will be 0.5%.

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And if the amount of money in the account is above $80,000 - there is a Extra Savings interest of 0.4%.

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Preference is for BOC Smart savers. Rules governing the interest framework is clear and concise, unlike DBS's there is so much to remember - not worth the hassle !!

Good effort