Table 1 below is a sample calculation of the Apr – May 2026 4.2%* p.a. VIP Fixed Rate Quest reward, which is applicable to eligible Versa Save Conventional only:
| 4.2%* p.a. VIP Fixed Rate Quest Participation Period : 60 days starting upon joining the quest Maximum Applicable Fresh Fund Cash Ins: RM10,000 |
| No | Scenario Eligibility | Return |
| 1 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 2 April 2026 and cashes in RM2,000 fresh funds into Versa Save Conventional on the same day. The user maintains at least RM2,000 above their baseline throughout the full 60-day Quest Period. | User is eligible for the 4.2%* p.a. fixed rate on the RM2,000 fresh funds for the full 60-day period, from 2 April to 31 May 2026, subject to the maximum cap and daily prorated calculation. |
| 2 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 2 April 2026 and cashes in RM12,000 fresh funds into Versa Save Conventional on the same day before cut-off time. The user maintains the RM12,000 fresh funds throughout the full 60-day Quest Period. | The user is eligible for the 4.2%* p.a. fixed rate on RM10,000 fresh fund (within cap) for the full 60 days, subject to daily prorated calculation and maximum cap. The remaining RM2,000 will continue earning the normal base nett return, for the full 60-day period, from 2 April 2026 to 31 May 2026. |
| 3 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 8 April 2026 but only cashes in RM2,000 fresh funds 16 April 2026 before cut-off time (Day 7 of their 60-day Quest Period). The user maintains the RM2,000 fresh funds from 16 April onward for the remainder of the 60-day period. | The user is eligible for the 4.2%* p.a. fixed rate on the RM2,000 fresh funds from 16 April – 6 June 2026, subject to daily prorated calculation and maximum cap. |
| 4 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 10 April 2026 and cashes in RM1,500 fresh funds into Versa Save Conventional. The user’s fresh funds amount never reaches RM2,000 during the 60-day Quest Period. | User is not eligible for the fixed rate because the minimum RM2,000 fresh funds threshold was not met. |
| 5 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 10 April 2026 and cashes in RM1,000 fresh funds into Versa Save Conventional on the same day. On 12 April 2026 (Day 3), the user added RM1,200 more. The total fresh funds amount reach RM2,200 from 12 April onward and are maintained for the remainder of the 60-day Quest Period. | The user is eligible for the 4.2%* p.a. fixed rate on RM2,200 fresh funds from 12 April 2026 to 8 June 2026, subject to daily prorated calculation. |
| 6 | User has a minimum of RM10,000 in Versa Save Conventional User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User cashes in RM3,000 fresh funds into Versa Save Conventional on 10 April 2026 but only taps “Join Now” on 13 April 2026. The user does not have any new cash in or auto-debit transaction after joining the Quest. | User is not eligible for the fixed rate reward because the Quest only rewards fresh funds cashed in on or after 13 April 2026, because the 60-day Quest Period starts from the day they tap “Join Now.” The RM3,000 cash-in prior to joining does not count toward the Quest. |
| 7 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 10 April 2026 and cashes in RM5,000 fresh funds into Versa Save Conventional on the same day. On 15 April 2026, the user cashes out RM7,000 that caused their cumulative nett cash in to drop below baseline. User does not cash in till the end of the 60-day quest period. | Users are not eligible for the fixed rate reward as the user’s cumulative nett cash in is below baseline at the end of the 60-day quest period. |
| 8 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 10 April 2026 and cashes in RM5,000 fresh funds into Versa Save Conventional on the same day. On 14 April 2026, the user cashes out RM2,000, leaving a remaining fresh funds balance of RM3,000, which still meets the RM2,000 threshold requirement. The user maintains this fresh funds amount for the rest of the 60 days quest window. | User remains eligible for the VIP Save Quest for the entire 60-day quest window because their fresh funds amount never falls below the RM2,000 threshold requirement. However, the reward is calculated daily and prorated based on the amount of fresh funds held on each day, so the earnings are split into two periods: From 10 April 2026 to 13 April 2026, user earns the 4.2%* p.a. prorated on RM5,000. From 14 April 2026 to 8 June 2026, after the withdrawal, user earns the 4.2%* p.a. prorated fixed rate on RM3,000 since this is the remaining fresh funds balance that continues to stay above the minimum threshold, subject to daily prorated calculation and Quest caps. |
| 9 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 7 April 2026 and switches RM5,000 from a Versa Invest product to a Versa Save Conventional. No new cash-ins are made. | User is not eligible for the fixed rate reward because switching funds does not count as fresh funds. |
| 10 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User sets up a RM2,000 Auto Debit Plan successfully in March 2026 and taps “Join Now” on 2 April 2026. The Auto Debit Deduction of RM2,000 into Versa Save Conventional is successful on 5 April 2026 and the transaction was completed on 9 April 2026. The user does not have another transaction for the remainder of the 60-day Quest Period. | User is eligible for the 4.2%* p.a. fixed rate on the RM2,000 auto-debit amount from 5 April to 31 May 2026 (qualifying days within their 60-day Quest Period). |
| 11 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 10 April 2026 and successfully sets up an Auto Debit Plan of RM2,000 into eligible Versa Save Conventional. The Auto Debit deduction is successful on 6 May 2026 and the transaction is completed on 9 May 2026. The user maintains at least RM2,000 above their baseline throughout the remainder of the 60-day Quest Period. | User is eligible for 4.2%* p.a. nett booster on the RM2,000 auto-debit amount from 6 May – 8 June 2026, within their 60-day Quest window. |
| 12 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User sets up an Auto Debit Plan of RM2,000 into Versa Save products successfully in March 2026. The Auto Debit deduction is successful on 5 April 2026 and the transaction is completed on 9 April 2026. The user taps “Join Now” on 7 April 2026, starting their 60-day quest window from 7 April to 5 June 2026. The user doesn’t have any transaction into the eligible Versa Save product afterwards. | The user is not eligible for the fixed-rate reward because no qualifying fresh funds were added into the eligible Versa Save product between 7 April and 5 June 2026. |
| 13 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 15 April 2026, starting their 60-day quest window from 15 April to 13 June 2026. The user manually cashes in RM800 into eligible Versa Save Conventional on 16 April 2026. Later, user’s Auto Debit of RM1,500 into Versa Save Conventional is deducted successfully from the bank account on 6 May 2026. | The user is eligible for the 4.2% p.a. fixed rate* on RM2,300 fresh funds from 6 May to 13 June 2026, subject to daily prorated calculation and Quest caps. The RM800 initial fresh funds amount does not qualify as it is lower than the required minimum threshold of RM2,000. The RM1,500 Auto Debit Plan on 6 May adds on to the RM800 fresh funds and entitles the whole fresh fund amount, for the 4.2%* p.a. fixed rate (all within the 60-day Quest window). |
| 14 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 10 April 2026 and cashes in RM2,000 fresh funds into Versa Save Conventional. The quest window runs from 10 April to 8 June 2026. User then cashes out RM1,000 from Versa Save Conventional on 5 June 2026 before the Quest ends. | User is not eligible for any reward as the user does not meet the RM2,000 minimum threshold requirement on the final day of the Quest. |
| 15 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 10 April 2026 and cashes in RM2,000 fresh funds into Versa Save Conventional. The quest window runs from 10 April to 8 June 2026. User then switches out RM1,000 from Versa Save Conventional to Versa Save Shariah Compliant on 5 June 2026 before the Quest ends. | User is not eligible for any reward as the user does not meet the RM2,000 minimum threshold requirement on the final day of the Quest. |
Table 2 below is a sample calculation of the Mar-Apr 2026 3.9%* p.a. VIP Fixed Rate Quest reward, which is applicable to eligible Versa Save Shariah Compliant only:
| 3.9%* p.a. VIP Fixed Rate Quest Participation Period : 60 days starting upon joining the quest Maximum Applicable Fresh Fund Cash Ins: RM10,000 |
| No | Scenario Eligibility | Return |
| 1 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 2 April 2026 and cashes in RM2,000 fresh funds into Versa Save Shariah Compliant on the same day before cut-off time. The user maintains at least RM2,000 above their baseline throughout the full 60-day Quest Period. | User is eligible for the 3.9%* p.a. fixed rate on the RM2,000 fresh funds for the full 60-day period, from 2 April to 31 May 2026, subject to the maximum cap and daily prorated calculation. |
| 2 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 2 April 2026 and cashes in RM12,000 fresh funds into Versa Save Shariah Compliant on the same day before cut-off time. The user maintains the RM12,000 fresh funds throughout the full 60-day Quest Period. | The user is eligible for the 3.9%* p.a. fixed rate on RM10,000 fresh fund (within cap) for the full 60 days, subject to daily prorated calculation and maximum caps. The remaining RM2,000 will continue earning the normal base nett return, for the full 60-day period, from 2 April to 31 May 2026. |
| 3 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 8 April 2026 but only cashes in RM2,000 fresh funds on 16 April 2026 before cut-off time (Day 7 of their 60-day Quest Period). The user maintains the RM2,000 fresh funds from 16 April onward for the remainder of the 60-day period. | The user is eligible for the 3.9%* p.a. fixed rate on the RM2,000 fresh funds from 16 April 2026 to 6 June 2026, subject to daily prorated calculation and maximum caps. |
| 4 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 10 April 2026 and cashes in RM1,500 fresh funds into Versa Save Shariah Compliant . The user’s fresh funds amount never reaches RM2,000 during the 60-day Quest Period. | User is not eligible for the fixed rate because the minimum RM2,000 fresh funds threshold was not met. |
| 5 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 10 April 2026 and cashes in RM1,000 fresh funds into Versa Save Shariah Compliant on the same day. On 12 April 2026 (Day 3), the user added RM1,200 more. The total fresh funds amount reach RM2,200 from 12 April onward and are maintained for the remainder of the 60-day Quest Period. | The user is eligible for the 3.9%* p.a. fixed rate on RM2,200 fresh funds from 12 April 2026 – 8 June 2026, subject to daily prorated calculation. |
| 6 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User cashes in RM3,000 fresh funds into Versa Save Shariah Compliant on 10 April 2026 but only taps “Join Now” on 13 April 2026. The user does not have any new cash in or auto-debit transaction after joining the Quest. | User is not eligible for the fixed rate reward because the Quest only rewards fresh funds cashed in on or after 13 April 2026, because the 60-day Quest Period starts from the day they tap “Join Now.” The RM3,000 cash-in prior to joining does not count toward the Quest. |
| 7 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 10 April 2026 and cashes in RM5,000 fresh funds into Versa Save Shariah Compliant on the same day. On 15 April 2026, the user cashes out RM7,000 that caused their cumulative nett cash in to drop below baseline. User does not cash in till the end of the 60-day quest period. | Users are not eligible for the fixed rate reward as the user’s cumulative net cash in is below baseline at the end of the 60-day quest period. |
| 8 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 10 April 2026 and cashes in RM5,000 fresh funds into Versa Save Shariah Compliant on the same day. On 14 April 2026, the user cashed out RM2,000, leaving a remaining fresh funds balance of RM3,000, which still meets the RM2,000 threshold requirement. The user maintains this fresh funds amount for the rest of the 60 days quest window. | Users remain eligible for the VIP Fixed Rate Quest for the entire 60-day quest window because their fresh funds amount never falls below the RM2,000 threshold requirement. However, the reward is calculated daily and prorated based on the amount of fresh funds held on each day, so the earnings are split into two periods: From 10 April 2026 to 13 April 2026, user earns the 3.9%* p.a. prorated on RM5,000. From 14 April 2026 to 8 June 2026, after the withdrawal, user earns the 3.9%* p.a. prorated fixed rate on RM3,000 since this is the remaining fresh funds balance that continues to stay above the minimum threshold, subject to daily prorated calculation and Quest caps. |
| 9 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 7 April 2026 and switches RM5,000 from a Versa Invest product to a Versa Save Shariah Compliant. No new cash-ins are made. | User is not eligible for the fixed rate reward because switching funds does not count as fresh funds. |
| 10 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User sets up a RM2,000 Auto Debit Plan successfully in 2 April 2026 and taps “Join Now” on 2 April 2026. The Auto Debit Deduction of RM2,000 into Versa Save Shariah Compliant is successful on 5 April 2026 and the transaction was completed on 9 April 2026. The user does not have another transaction for the remainder of the 60-day Quest Period. | User is eligible for the 3.9%* p.a. fixed rate on the RM2,000 auto-debit amount from 5 April to 31 May June 2026 (qualifying days within their 60-day Quest Period). |
| 11 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 10 April 2026 and successfully sets up an Auto Debit Plan of RM2,000 into eligible Versa Save Shariah Compliant. The Auto Debit deduction is successful on 6 May 2026 and the transaction is completed on 9 May 2026. The user maintains at least RM2,000 above their baseline throughout the remainder of the 60-day Quest Period. | User is eligible for 3.9%* p.a. nett booster on the RM2,000 auto-debit amount from 6 May to 8 June 2026, within their 60-day Quest window. |
| 12 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User sets up an Auto Debit Plan of RM2,000 into Versa Invest products successfully in March 2026. The Auto Debit deduction is successful on 5 April 2026 and the transaction is completed on 9 April 2026. The user taps “Join Now” on 7 April 2026, starting their 60-day quest window from 7 April to 5 June 2026. The user doesn’t have any transaction into the eligible Versa Save product afterwards. | The user is not eligible for the fixed-rate reward because no qualifying fresh funds were added into the eligible Versa Save product between 7 April 2026 and 5 June 2026. |
| 13 | User has a minimum combined balance of RM5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 15 April 2026, starting their 60-day quest window from 15 April to 13 June 2026. The user manually cashes in RM800 into Versa Save Shariah Compliant on 16 April 2026. Later, user’s Auto Debit of RM1,500 into Versa Save Shariah Compliant is deducted successfully from the bank account on 6 May 2026. | The user is eligible for the 3.9% p.a. fixed rate* on RM2,300 fresh funds from 6 May to 13 June 2026, subject to daily prorated calculation and Quest caps. The RM800 initial fresh funds amount does not qualify as it is lower than the required minimum threshold of RM2,000. The RM1,500 Auto Debit Plan on 6 May adds on to the RM800 fresh funds and entitles the whole fresh fund amount, for the 3.9%* p.a. fixed rate (all within the 60-day Quest window). |
| 14 | User has a minimum combined balance of RM 5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 10 April 2026 and cashes in RM2,000 fresh funds into Versa Save Shariah Compliant. The quest window runs from 10 April to 8 June 2026. User then cashes out RM1,000 from Versa Save Shariah Compliant on 5 June 2026 before the Quest ends. | User is not eligible for any reward as the user does not meet the RM2,000 minimum threshold requirement on the final day of the Quest. |
| 15 | User has a minimum combined balance of RM 5,000 in Versa Invest AND PRS balance. User taps “Join Now” on 10 April 2026 and cashes in RM2,000 fresh funds into Versa Save Shariah Compliant. The quest window runs from 10 April to 8 June 2026. User then switches out RM1,000 from Versa Save Shariah Compliant to Versa Save Conventional on 5 June 2026 before the Quest ends. | User is not eligible for any reward as the user does not meet the RM2,000 minimum threshold requirement on the final day of the Quest. |