Hmmm... don't expect too much on the quality... even digital cam is cheap, but quality and cost is balance.... base on your budget, you only can looking for some other not professional brand name DC... such as Benq, Kyocera, etc...
About 信用卡送果D, it depend on the brand... as I remember, Standard Chartered Bank has FREE Nikon S9 model before (early this year), this one is OK... even some credit card may need to pay some $$ for the DC.. but it also value than you looking for cheap cheap model.
Try to see some model if you interest..
Nikon L14 - $1,480
http://www.dcfever.com/showroom/sp.php?productID=1386
Nikon L15 - $1,680
http://www.dcfever.com/showroom/sp.php?productID=1385
And more model for your reference.
http://www.dcfever.com/showroom/catalog.php?categoryID=1