How would you compare RHB high yield savings account to Citi interest plus savings account? Which would you rather get?

Citi InterestPlus Savings Account (Insurance and Investment)

• Base interest: 0.01% (< $5,000), 0.05% ( $5,000 - < $30,000)

• A monthly premium of S$250 for 12 months or A single premium of S$25,000 (1.2%)

• Spend S$25 monthly on your Citibank Credit Card (0.1%)

• S$250 monthly for 12 months in a Regular Savings Plan or Lump sum of $25,000 in Unit Trusts (1.2%)

RHB High Yield Savings Account

• Below $10,000: 0.08%

• Next $90,000: 1.00%