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Cup, Disposable Cup, Cosmetics



Spend Campaign Terms & Conditions

Important information:

  1. This campaign is only for Simply Cash credit cardholders.
  2. To be eligible for this offer, clients have to register (Opt-in) to the campaign through the link provided in the email communication sent or SMS cash5 to 3133 from their registered mobile number.
  3. Meet the minimum retail spends of AED 5,000 to earn the incremental cashback on the selected merchant spend categories as defined below.
  4. Clients can earn a maximum cashback of up to AED 500 per month. Please note a maximum cashback amount of AED 100 is capped on each listed merchant spend category per month.
  5. This is a limited period offer from 1 June 2024 till 31 August 2024 (both days inclusive).

The campaign is only applicable to all Standard Chartered Bank Simply Cash 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 1st June 2024 till 31st August 2024 (both days inclusive).

To enjoy the incremental cashback, the select Cardholder must meet the minimum spend requirement (hereinafter referred as ‘Participation condition’) as defined/specified in the direct/individual communication sent across by the Bank (via e-mail / SMS).

Eligible merchant categories Incremental Cashback % on each merchant categories Maximum cashback on each merchant category


Entertainment 4% 100
International (Non-AED) 2% 100
Grocery 2% 100
Education 2% 100
Dining 1% 100
Maximum Cashback in a month   500
Participation condition Subject to Opt-in and meeting the minimum retail spend criteria of AED 5,000 in a month
Maximum Cashback (AED) Maximum of AED 100 cashback on each merchant category per month can be earned (Total of AED 500 cashback per month)


Below is an illustration of current and incremental cashback % for reference:

Through this campaign, upon meeting the campaign’s criteria, the Simply Cash credit cardholders will earn higher cashback on the select merchant categories during the campaign period:

Merchant category Current cashback earn rate Incremental Cashback % of the Campaign on select merchant categories Total cashback % during the campaign* Maximum cashback amount on select merchant categories spends in AED
Airlines 2% 2%
Entertainment 1% 4% 5% 100
International (Non-AED) 2% 2% 4% 100
Grocery 1% 2% 3% 100
Education 1% 2% 3% 100
Dining 1% 1% 2% 100
Gov, Auto, Ins & Rental 0.20% 0.20%
All other spend categories 1% 1%


*The Current Simply Cash cashback points will continue to be credited in your monthly statement as per the product terms and conditions however, the incremental cashback will be credited to eligible primary credit card accounts within 60 business days after the Spend month.

For example, the total incremental cashback for spends made between 1st June to 30th June 2024 will be credited by 31st August 2024.

Spends and cashback illustration:

Merchant Category Code (MCC) Spends below AED 5k
(not meeting campaign spend requirement)
Spends above AED 5k
(Campaign spend requirement met)
Total spends (AED) Cashback % Cashback (AED) Total spends (AED) Cashback % Cashback (AED)
Airlines 800 2% 16 800 2% 16
Entertainment 500 1% 5 500 5% 25 On total monthly spends of AED5,000 earn up to 4% Incremental cashback on select categories
International (Non-AED) 1,000 2% 20 1,000 4% 40
Grocery 600 1% 6 600 3% 18
Education 800 1% 8 800 3% 24
Dining 400 1% 4 400 2% 8
Shopping 200 1% 2 200 1% 2
Government, Auto-Dealership, Insurance & Rental 500 0.20% 1 500 0.20% 1
Rest all MCCs 199 1% 2 200 1% 2
Total spends (AED) 4,999 5,000
Total Cashback (AED) 64 136


Visa shall be solely responsible for determining the Merchant Category Codes (“MCCs”). All the incremental cashback will be calculated as per the merchant categories defined by Visa. Visa’s MCC classification shall be final.

The cashback will not be considered as repayment/payment of the any statement outstanding due.

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.

The Bank reserves the right in its sole discretion to cancel, terminate, modify, or suspend this Offer and to disqualify any participant who tampers with the offer and/or the entry process.

These terms and conditions are in addition to and supplementary to the terms and conditions applicable to all Credit Card accounts as contained in the Credit Card Terms and Conditions. See Credit Card Terms and Conditions available at https://www.sc.com/ae/help-centre/downloads/. In the event of any inconsistency or conflict between the offer terms and conditions and the Credit Card Terms and Conditions, the Credit Card Terms and Conditions shall prevail.

These terms and conditions are governed by the laws of the United Arab Emirates and any dispute will be subject to the exclusive jurisdiction of the court of United Arab Emirates.

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 by 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/

Standard Chartered UAE is licensed by the Central Bank of the UAE

Spends Campaign Terms & Conditions in Arabic.