What is your bank & card accounts combo you use to maximise interest and rebates?

If you are not salaried, or if you are still a student, fresh grad or a freelancer and you are unable to hit certain criterias required by some, here is what I did:

• Savings account: I am considering to open CIMB FastSaver account after using the savings calculator that Kenneth has mentioned! (1% interest pa, why not?)
• Spending card: DBS Visa debit (which linked to my multi-currency account mainly for online shopping!)
• Brokerage account: DBS Vickers using cash upfront as well.

The opportunity cost of leaving your savings in your DBS/POSB savings account is 0.95% p.a., that is $9.50 for every $1000. That's 2 cups of bubble tea that I have been foregoing, gosh!

HEY HEY!

​

Mine may not be the best. Looking to change some of it soon.

​

Here's my combo:

​

Savings Account: OCBC 360

Spending: OCBC 365 and DBS VISA Debit

Trading account: DBS Vickers for the cash upfront, low trading cost (plus, it's non-custodian)

​

Personally, the OCBC 360 and 365 combo can be improved. But at the moment, I'm liking their user experience, hence, am still with it.