I wrote a post regarding BOC smartsaver previously here explaining the tips and tricks and also the new revisions here. That was four years ago and after numerous changes to this account and the phasing out of the paynow bonus, its still very usable. I have been using it for the 3.55% pa since inception till now. As our local banks are actively reducing their savings account interest, Bank of China seems to be maintaining it so far. 3.55% pa for your cash portion is still a great deal even though they have hiked the credit card spending and salary crediting portion. There are some work arounds. I use bill payment for 3x$30 to pay for my credit cards. Do note, you can pay $30 three times to the same credit card for efficiency and it will still be counted. For the $1.5k credit card spending wise, BOC Q10 credit...