RHB Junior Savings Account CNY Angpao Campaign

2014 CNY has finally over. For all parents, have you deposited your kids' ang pow money into the bank? You can refer to the comparison of Child's Savings Account to decide which bank to place for the ang pow money. As you can see, RHB Bank is one of the banks that offers highest interest rate for its Junior Savings Account (SA).

Big Bad Wolf Fire Sale

Update 3/22: Good news to all Penangites! The Big Bad Wolf is flying to Penang! The Book Sale will start from 22nd to 31st March 2013 in Penang Times Square. It is opened from 9am to 9pm for these 10 days. OCBC credit cardmembers enjoy additional 5% discount!

The Big Bad Wolf Book Sale is here again from 28th February to 4th March 2013 in Mines International Exhibition & Convention Centre. It is opened from 9am to 9pm  for these 5 days.

Good news to all students who have yet to spend your BB1M vouchers! BB1M vouchers are accepted in the Big Bad Wolf Book Sale and you stand a chance to win exciting prizes worth RM 200000. 1 voucher earns you an entry while 5 vouchers earn you 5 entries to win the prizes. There will be 3 rounds of prizes giving and you just need 2 simple steps to participate:

1. Spend with BB1M vouchers in Big Bad Wolf or BookXcess.
2. Fill in the contest form, answer 3 simple questions and submit to the customer service counter.

For those who do not have BB1M vouchers, you can get additional 5% discount on all books if you are OCBC credit card holders. Payment must be made with OCBC cards in order to enjoy the discount.

If you are staying in northern region and unable to go for the sale in Klang Valley, don't worry as Big Bad Wolf will be having another book sale in Penang after this.

Baucar Buku 1Malaysia

Under Budget 2013, Baucar Buku 1Malaysia worth RM 250 will be given to students who are studying at institutions of higher learning such as Form 6, colleges and universities. This is the second time the book voucher is issued and the value is increased from RM 200 to RM 250.

Baucar Buku 1Malaysia is accepted at major bookstores like Popular, Borders and MPH. Each bookstore has also launched promotion to encourage voucher holders to spend in their bookstore. Below table shows the promotion and limitation for the book voucher:

Bookstore	Amount Spent	Free Gift	Limit
Popular	RM 150	RM 10 Popular Voucher Popular Card Chance to win prizes	Accepted for books and stationery with 80% spending in books and 20% in stationery.
	RM 250	RM 50 Popular Voucher Popular Card Chance to win prizes
Borders	RM 150	Borders discount vouchers BCard + voucher booklet Starbucks beverage	Accepted for books and stationery.
	RM 250	Borders discount vouchers RadioShack batteries Chatime beverage BCard + voucher booklet Starbucks beverage Krispy Kreme doughnuts
MPH	RM 150	RM 5 MPH Voucher Chance to win prizes	Accepted for books and stationery. Kad Diskaun Siswa 1Malaysia gets 10% off
	RM 250	RM 10 MPH Voucher Chance to win prizes

Do remember to always check with the respective bookstores' branch on which types of books are accepted before you spend with your book voucher. Enjoy your books hunting!

Save Money & Get Chance to Win Prizes Part II

Other than SSP from BSN, Bank Islam Malaysia Berhad (BIMB) is another bank that offers lucky draw through its deposit products called Al-Awfar and Al-Awfar Junior.

Al-Awfar is an innovative Mudharabah-based account that gives you the opportunity to win cash prizes worth of RM 2.32 million a year. Al-Awfar Junior is the similar account for children and teenagers. The account types are shown in below table:

Type	Al-Awfar	Al-Awfar Junior
Features	Saving Account-i	Investment Account-i	Saving Account-i Junior
Minimum Initial Deposit	RM100	RM1,000 (1 month tenure) RM500 (3 to 60 months tenure)	RM10
Minimum Balance	RM100	-	RM10
Profit-Sharing Ratio	98 : 2 (Bank : Customer)	70 : 30 (Bank : Customer)	98 : 2 (Bank : Customer)
	(Subject to change from time to time)
Indicative Rate	0.05% p.a.	From 0.68% p.a.	0.05% p.a.
Who can open an account	Individuals Associations Schools/Universities Clubs/Societies Religious Groups		Individuals Entrust
Eligibility to Enter Prize Draw	Every RM100 = 1 unit of entry		Every RM10 = 1 unit of entry
Frequency of Prize Draw	Monthly & Quarterly Frequency of the prize draw and the date of the prize-giving ceremony are subject to change at the Bank’s discretion

Customers will be entitled to participate in the monthly and quarterly prize draws and be able to enjoy the probability of receiving valuable cash prizes.

Monthly Draws:

Type	Al-Awfar (Monthly Draw)		Al-Awfar Junior (Monthly Draw)
Prize	Cash Prizes	No. of Winners	Cash Prizes	No. of Winners
1	RM100,000	1	RM5,000	1
2	RM10,000	1	RM3,000	1
3	RM1,000	20	RM1,000	5

Quarterly Draws:

Prize	Cash Prizes	No. of Monthy Prizes
1	RM200,000	1
2	RM20,000	1
3	RM1,000	50

Save Money & Get Chance to Win Prizes Part I

Do you like to win prizes from lucky draw? Do you know that we can enrol in lucky draw without having to pay for lottery? Yes, you can actually do so by saving your money with these two banks in Malaysia:

1. Bank Simpanan Nasional (BSN) with its deposit product called Sijil Simpanan Premium (SSP).
2. Bank Islam Malaysia Berhad (BIMB) with its deposit products called Al-Awfar and Al-Awfar Junior.

BSN is offering 44,573 prizes for a year to SSP Certificate Holders through the Monthly Premium SSP Draws. You also stand a chance to win special prizes with another 2 extra draws which are SSP Localised Draws and SSP Special Draw. SSP is open to anyone aged 12 and above with permanent address in Malaysia. Minimum savings is RM 10 for 1 unit. 

SSP purchase can be made via BSN counters, ATM, CDM, BSN:SMS (SMS Banking), MyBSN (Internet Banking), Standing Instruction, Salary deduction and Banking Beyond Branches Agents.

SSP is transacted according to the Mudharabah contract with a Profit Sharing Ratio (Customer:Bank) as shown in below tables:

Sijil Simpanan Premium

SSP	Profit Sharing Ratio	Indicative Profit Rates
< RM5,000	2:98	0.15%
Up To RM50,000	3:97	0.20%
> RM50,000	6.5:93.5	0.60%

Special Edition SSP

Special Edition SSP	Minimum Savings	Profit Sharing Ratio	Indicative Profit Rates
6 Month	RM1000	25:75	2.00%
12 Month	RM3000	30:70	2.42%

These are the lucky draw prizes for February 2013:

Placing	Prizes	Quantity
Monthly Draw
1st Prize	Camry 2.0 E	1
2nd Prize	Preve 1.6	1
3rd Prize	Jewellery voucher	5
4th Prize	Samsung Galaxy Note	15
5th Prize	DSLR Camera	35
6th Prize	iPad	80
7th Prize	Galaxy Tab 10.1	150
8th Prize	SSP 150	2,800
Local Draw
1st Prize	Viva	1
2nd Prize	Modenas GT 128	5
3rd Prize	iPhone	10
4th Prize	SSP 150	100

You can refer to selected newspapers, Information Board at any BSN branch and MyBSN for SSP Draw Results. You can sell back your SSP unit fully or partially after 45 days from the issuance of your SSP certificate. All your units are entitled for the monthly draw, for as long as they have not been redeemed.