Once upon a time, OCBC 360 together with the OCBC Frank credit card, was my favourite combination to get higher interest income on my savings. I just had to spend $400 with my Frank card and pay 3 bills online and I would get a 2% interest rate on my savings. With no monthly salary to credit into the account, that was the best I could do. Then, the benefits were revised and suddenly my interest income, everything else remaining the same, halved! So, I junked the combo and cancelled the Frank card. Now, this doesn't mean that the OCBC 360 is not good for others, especially those who have a monthly salary to credit into the account. However, with the latest revisions, it is probably not as good as before......