Hi Sifus,

FYI, I submitted my application through online. The staff/agent call me this afternoon and offer me 2 options as below:

Promo option 1 :
1. Get instant CashBack of RM300 when your card is approved
2. 2 years annual fee waiver

Promo option 2 :
1. Get instant CashBack of RM55 when your card is approved
2. FREE Smart-Tag valued RM120 OR Touch-N-Go Card valued RM100 (choose 1 of those)
3. 15% CashBack on Petrol transactions (max capped at RM68/month), Valid 6 months from card approval date
4. 2 years annual fee waiver

He suggested to me to apply option 1 (Business Plat Visa), and apply option 2 (Business Plat Master) after option 1 approved, and I will enjoy these 2 promo benefits.

After I read T&C, my understanding is as below:

Promo option 1 (via online):
1. Get instant CashBack of RM300 when your card is approved
2. 2 years annual fee waiver
3. 15% CashBack on Petrol transactions (max capped at RM100/month), Valid 6 months from card approval date

Promo option 2 (via the Bank’s direct sales agencies or the Bank’s branches):
1. Get instant CashBack of RM55 when your card is approved
2. FREE Smart-Tag valued RM120 OR Touch-N-Go Card valued RM100 (choose 1 of those)
3. 15% CashBack on Petrol transactions (max capped at RM68/month), Valid 6 months from card approval date
4. 2 years annual fee waiver

And I won't enjoy 2 benefits as stated in T&C item no. 13:
I have few questions:
1) Can sifus advise me which one is correct? Or I should call customer service to clarify?
2) If I choose the option 1 (submission via online), do I need to submit the scanned copy of signature i? I scare the staff/agent will auto apply both options with my scanned signature.

Thanks in advance

weird, why the odd number RM55?

Really? Hm, BTW do you know what it means by combine credit limit?
I got 1 Maybank Visa card. So, let's just say 5k combine CL, I can only use 5k from this Stanchart card or what?

Received another cash back of RM245 in this month statement, plus initial cash back of RM250, total cash back RM495

Not fair indeed... RM495 per card is the highest so far. I max only receive RM400

anyone try JustOne Platinum MasterCard Credit Card which can get 15% Petrol CashBack at all petrol stations nationwide...is for whole life