I have personally applied via Ringgitplus.com for approximately 10 cards over the past few years, and received all the promised acquisition gifts. I am one of those people who apply purely to receive a gift, and then cancel and reapply later.

Have received things like Apple TV, Lenovo phone, Hwa Wei tablet, 3 smart tag plus touch and go, robot vacuum, air fryer, luggage, Air Asia voucher....

Sometimes the gifts take a while to arrive and I had to follow up. But they always fulfilled their promise.

This post has been edited by lilsunflower: Dec 21 2016, 01:05 AM

Yes - HSBC and Citibank I've applied 3 times each, as I think cooling off period is very short (3 or 6 months)? SCB also 2 to 3 times.

The key thing is to make sure you read whether you qualify as new-to-bank customer. When I re-applied each time, I was considered New-To-Bank and hence could qualify for the Ringgit Plus free gifts.

You read the TNC of how long the period is. From me, I add one month to the date of my last statement from the cancellation to ensure I am really safe.

As good practice, if someone from the bank calls to verify your information, you should also clarify with them if you are recorded as new to bank. I have done this with banks like HSBC jist as an additional safeguard.

I aways call to cancel. And HSBC and SCB usually ask me to retain for cashback... Like RM50. And I always do it.. And then cancel haha.