BOC needs min credit card spend to hit certain percentages, similar to OCBC. DBS more straightforward, I've already got salary, CC and home loans with them, so that's 2.2% on 50k. Take 6 months to build a bond ladder and I can get another 2.4% on the next 50k, so that will cover 100k of savings which is more than enough cash for me now.
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