As you highlight it is possible to hold a positive balance in a credit card account and local banks typically pay between 0.2% and 3% annually depending on the amount and the prevailing prime lending rate.
This is similar to overnight deposits (call) or savings accounts. Saving using a fixed deposit account. However, could earn you around 7%-8% per annum at present, so this would be a smarter way of saving if you can set the money aside for a longer period.
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