Ever since OCBC changed their payment terms for their 360 account, I've been moping about the reduction in interest payments I get from them each month, as the maximum capped interest is now only 3.05% and includes a lot more work to get that level of interest rate. The UOB One was a good welcome, BUT I eventually moved back to OCBC 360 (partly out of habit) as the requirements were a little difficult for me to meet in my current lifestyle. While a $500 spending on my UOB One card, I didn't set up 3 GIRO payments (no recurring bills except my monthly telco) and felt bad about asking my HR to switch the salary crediting account after slightly over a year. Some of the other financial bloggers have signed up with Bank of China SmartSaver, so I decided to take a look at it to see if ......