Needs a smart client/card holder not be lured into their tricky bait. I hope Central Bank outlines a clear cut system and be vigilant on scrutinizing every banks' promotion for the sake of the poor depositors/clients/card holders.

And banks, please be fair by communicating the full details and rules on your every promotion. Never wait until your clients reacts violently. The more you will lose the faith of your clients to your bank.