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Limited time offer – Spend and Earn up to 5% Cashback on School fee and Dining spends till 30 April 2024

Spend Campaign Terms & Conditions

  • To be eligible for this offer, clients have to register to the campaign through the link provided in the email communication or SMS CASHBACK to 3133 from their registered mobile number.
  • The campaign is applicable to all Standard Chartered Bank credit card clients – existing credit card clients as well as the clients acquired during the campaign offer period.
  • This is a limited period offer from 11 March 2024 till 30 April 2024 (both days inclusive).
  • Offer is applicable to Journey, Simply Cash, Manhattan Rewards+, and Smart Saadiq credit cards.
  • To enjoy the cashback, the select Cardholder must spend the minimum amount or more (hereinafter referred as ‘minimum spend requirement’) as defined/specified in the direct/individual communication sent across by the Bank (via e-mail / SMS).
  • The Cash back rate will depend on the total retail spend during the offer period as shown in the below table.


Total Minimum Retail spend in AED currency Cash back % on school fees & dining spends Maximum cash back amount on school fee spends in AED Maximum cash back amount on dining spends in AED
< 6,000 0% No cashback No Cashback
>= 6,000 & < 9,000 3% 200 100
>= 9,000 & < 12,000 4%
>= 12,000 5%


Below is an illustration for reference:

Cash back Rate on School Fees & Dining Spends on School Fees Spends on Dining Other Retail Spends Total Retail spends Cash back to Client (School fees spend) Cash back to Client (Dining spend)
0% 4,000 1,000 900 5,900 0 0
3% 4,000 1,000 1,000 6,000 120 30
4% 4,000 1,500 3,500 9,000 160 60
5% 4,500 2,000 6,000 12,500 200 100
* All amounts in AED
  • If the campaign requirements are met, the cashback will be credited to the primary credit card by 31 May 2024.
  • The cashback will not be considered as repayment/payment of the due outstanding.
  • The ‘minimum spend requirement’ must be on RETAIL transactions only, which is credit card retail purchases, Point-Of-Sale, and online transactions (within or outside the UAE)
  • The following are excluded from eligibility criteria spends – exchange houses, cash withdrawals, Balance Transfers, Fixed Payment Plans, School Fee Cashier Order and Smart Payment Plans
  • Retail purchases/transactions made on the Primary as well as Supplementary Credit Card/s will be included in the calculation of the Minimum Spend Requirement.
  • Cardholders eligible for this campaign will not be eligible for any other campaign offered by Standard Chartered Bank UAE on Credit Cards during the period of this campaign.
  • Cardholders who have cancelled or terminated the credit card for any reason at the time of computation of the eligibility for this campaign, will not be eligible for the cashback.
  • To the extent of any inconsistency between this Offer terms and the Standard Chartered Client Terms and Credit Card Terms the Standard Chartered Client Terms and Credit Card Terms and Conditions will prevail.
  • If the Credit Card is overdue, blocked or suspended for any reason whatsoever, then the cashback shall stand forfeited but may be reinstated, at the sole discretion of the Bank.

Spends Campaign Terms & Conditions Arabic.


  • If your credit card account balance goes over the set credit limit at any point in time, your credit card account will be charged an over-limit fee. This fee will be applied on your statement date each month until you are within your credit limit. Please ensure to clear the over-limit amount immediately. (Not applicable to Smart Saadiq card).
  • If the minimum payment due is not paid on or before the due date, a late payment charge is levied on the credit card account in addition to the monthly finance charges (interest/profit/fees). (Late payment charge is not applicable to Smart Saadiq card).
  • If you make only the minimum payment each period, you will pay more in interest/profit/fees, and it will take you longer to pay off your outstanding balance.

Should you have any concerns or complaints regarding any of our products or services, you may raise your complaint by emailing us at complaint.resolution@sc.com or calling our Client Care Centre on +971 600 5222 88, and we will get back to you within 2 working days. To know more about our Complaints Resolution process, visit https://www.sc.com/ae/customer-service/