Complimentary Touch ‘n Go Card With RM200 Preloaded Value With New UOBM Credit Card [ UOB | T&Cs ]
30 April 2018 to 31 July 2018

Step 1: Apply for UOB Credit Card at www.uob.com.my
Step 2: Your New UOBM Credit Card approved
Step 3: Make an accumulative of RM1,000 retail transactions within 60 days of card approval with the new UOBM Credit Card

I'm already UOB CC card member.

If I apply new UOB CC credit card and spend 1000, will I get the gift?

Another stingy bank TOS.
There are a total of sixty six (66) Gifts to be given out per month throughout the Campaign Period.

From TnC:

It say otherwise
During the Campaign Period, Eligible Customers must fulfill the following criteria to qualify for
one (1) Complimentary Touch ‘n Go Card with RM200 preloaded value (“Gift”):
a) apply for a UOBM Credit Card at www.uob.com.my;
b) new UOBM Credit Card approved; and
c) make an accumulative of RM1,000 retail transactions within 60 days of card approval with
the new UOBM Credit Card (“Qualifying Transaction”)

Another tricky TOS from this sucks bank.
Non- Qualifying Transaction shall include the following:
k) Such other transactions as UOBM may determine.

Which mean UOB can simply deny any transaction that they think it not qualify.

u really don't know how to read t&c?

you already not eligible, the criteria above will not be applicable to you.

most t&c have this disclaimer to protect the bank. nothing new.

if you not satisfied with the t&c, don't participate. simple as that.

we as consumer must voice out the concern in public for eg forum let the public aware
else if follow ur pattern, not satisfied dont participate, then bank will keep bullying u as consumer

Sure you can voice... but banks don’t really care. Their T&C is made clear, the campaign is for new to bank customers and not existing customers like yourself. If you don’t like UOB can always cancel your UOB card and don’t have any business with them.

That is voicing your dissatisfaction with action — so UOB won’t earn your money.

When the bank cannot achieve the new customer target, they have to improve the promotion package in next round to attract customers.

This post has been edited by jianqiang: May 14 2018, 08:02 AM

Lol for sure no la. Normally all bank acquisition campaign only for NEW TO BANK CUSTOMER. All banks are same.

Unless you already terminate your card since from last year..
If you want to apply cc again, then it will consider "NEW TO BANK CUSTOMER", am I right?

Yes, I think need terminate at least 12 mths to treat it as new to bank customer. Depend to bank.

I believe majority bank have 6 month cooling period

This post has been edited by saitong09: May 14 2018, 08:12 PM

cooling period is cannot apply back the same card OR cannot apply to all the card under the bank?

All products of the bank...

Ya. But some bank need at least 1 year and above only treat it as NEW TO BANK customer. (which I heard from my friend)
They did apply after 6 months, and not valid for new gift, which bank told not new to bank customer.

it's up to bank, they have 2 terms normally mentioned in tnc
i) new to bank -
ii) new to card -

usually will be 'new to card' to encourage customer to apply. and depending on the bank, the cooling period to consider you as 'new to card' varies from 6-12 month.

Means that after terminate, need to wait at least 12 months. Then you apply again cc, it will consider new to bank customers. Am I right?

If I'm not wrong, 6 months cooling period you cannot apply the bank U (Just take an example).
So if you apply cc again within 6 months, then it might high chance to reject your application OR there is no free gift for you.

New to bank - means you NEVER apply CC before.. OR after 12 months then consider for this term
New to card - means within this 6-12 months, you got cancel CC before or apply CC within this few months.

Correct me if I m wrong..