LOL dream on bro. Read T&C note 11.

"If a New Customer applies for more than one credit card through any application channel during the Campaign Period, the cashback will only be awarded to one credit card, namely the credit card with the highest cashback entitlement."

as far as i know no fee for 1st 2 years when i got it

SCB is unique because everything they offer you during campaigns are stated in B&W in additions to their T&C. Plus, you will be required to sign the paper.
In absence of this paper - then I would ask you to reconsider the validity of their offer/statement.

Not just SCB ... any cc sales agents also I don't trust their offers unless they can show it to me in B&W. Believing these sales agents .. you need to do it with a pinch of salt and believe them @ your own risk. These days card market is very tight ... so they will say anything to make you sign up.

Yes, 1x ChoicePoint

well, i think maybe not for Public Bank.

that's cool..never thought that they would actually give 2 times the rebate to a person

That's why I keep both cards.... SCB used when NICE Cashback promotion, HLB for general usage

Thought I post this here too based on echoesian's statement that one earning is 1% "returns"  from their SCB Business Plat and question if there are other cards out there better than SCB Biz Plat here.

Let's do a comparison based on shopping vouchers SCB Business versus MBB VI for local transactions (for overseas no need to compare lah)

SCB - Isetan and Giant RM50 voucher needs 12000 points (0.416%) and when consider 0.5% cash back total = 0.92%
SCB - Hush Puppies, MJ, Courts, Guardian and Popular RM50 voucher needs 12,500 (0.4%) and when consider 0.5% cash back total = 0.9%
SCB - KFC, McD and Tesco RM50 voucher needs 13000 points and when consider 0.5% cash back total = 0.88%
SCB - Jusco (AEON) - RM50 voucher needs 13,500 points and when consider 0.5% cash back total = 0.87%

versus MBB VI 2X Treats Points for local transactions

Popular, Giant and TESCO RM10 voucher 3000 points or 0.66% (stay away from RM10 voucher with 3000 points, better wait as MBB Treats Points are evergreen)
McD - RM10 voucher 2700 points of 0.74% (still not worth it)
Tesco and Giant RM50 voucher 11000 points or 0.9% (here SCB for Giant better)
Jusco (AEON) RM100 voucher 21000 points or 0.95%
Hush Puppies RM50 voucher 8500 points or 1.17%
MJ RM50 voucher 9000 points or 1.11%
Coffee Bean RM10 voucher 1800 points or 1.11%

So from above, it looks like if want unlimited cash back, HLB Essential at 1% better than SCB Biz Plat. But if your MBB card earns you 2X Treats Points and you don't mind getting cash vouchers, then maybe MBB 2X TP better if you patronize the merchants that offer RM50 vouchers for less than 10,000 points.

Of course best if the merchant accepts MBB 2 AMEX.

However, no one can deny that SCB really generous in giving out cash to its customers 

SCB just launch a new benefit/promotion for all NEW-TO- BANK CUSTOMER.

- Cash back up to RM450 for platinum and RM300 for gold(upon approval) for new customer(GST deduction included).

- Upon card approval, customer are entitle special discount for Philips 32" LCD TV for only RM699 (RP: 999). Customer only need to top up RM249(delivery exclusive) for the TV since we given RM450 up front. For those who live in KL, you can collect your TV at WISMA LYL(P.J) to save time and delivery charges.

Starting on 5/07/12, customer who apply Business Visa Platinum CC will be entitle for 5% CASH REBATE (cap: RM38 p.m) IN ANY PETROL STATION, ANYTIME AND ANYWHERE. You will still get CHOICE POINT ON TOP OF THE CASH REBATE.

Only applicable for customer who apply our credit card between 4/07/12 - 30/08/12.

For those who are intereted, feel free to pm me as by applying online. you will only get up to RM300(GST deduction excluded).
P.S - The new cash rebate is just launch last Wednesday by our NEW SCB CEO Sonia Wedrychowicz-Horbatowska and it is finalize during the product launch meeting/dinner later evening same day. And you guys can always call SCB to verify the source.

SC reward is really useless.

https://ibanklite.standardchartered.com/nfs...reward_home.htm

Now require 40,000 points for RM100 cashback.

Previously was only 14,000 for RM50!

Look at the vouchers! I redeemed Giant RM50 voucher for 12,000 points 2 weeks ago. Look at the points required now!