Important Information:
The campaign is only applicable to all existing Standard Chartered Bank Journey, Smart Saadiq, and Manhattan credit cardholders – as well as the clients acquired during the campaign offer period.
To enjoy the incremental cashback, the select Cardholder must meet the minimum spend requirement (hereinafter illustrated in the below table) as defined/specified in the direct/individual communication sent across by the Bank (via e-mail / SMS).
| The eligible merchant spend category | ||||
| Total Retail spend AED | Cash Back % on School Fees, Travel & Entertainment | Maximum Cash Back Amount on School Fees Spends in AED | Maximum Cash Back Amount on Entertainment Spend in AED | Maximum Cash Back Amount on Travel spends in AED |
| < 5,000 | No cashback | No cashback | No cashback | No cashback |
| >= 5,000 & < 9,000 | 3% | 200 | 100 | 200 |
| >= 9,000 & < 12,000 | 4% | |||
| >= 12,000 | 5% | |||
Below is an illustration of the current and incremental cashback % for reference:
Through this campaign, upon meeting the campaign criteria’s, the eligible credit cardholders will earn higher Cashback on the selected merchants’ categories during the campaign period:
| Campaign cashback rate % | Spends in AED | Cashback to client (AED) | |||||||
| School fees | Travel | Entertainment | Other retail spends | Total spends | School fees* | Travel* &1 | Entertainment* | Total cashback | |
| 0% | 3,000 | 700 | 400 | 400 | 4,500 | 0 | 0 | 0 | 0 |
| 3% | 2,000 | 1,200 | 800 | 1,000 | 5,000 | 60 | 36 | 24 | 120 |
| 4% | 5,000 | 2,000 | 1,500 | 500 | 9,000 | 200 | 80 | 60 | 340 |
| 5% | 4,000 | 4,000 | 2,000 | 2,000 | 12,000 | 200 | 200 | 100 | 500 |
1Travel spend category includes all international (non-AED), Airline, hotel and rent a car spends. (below this line add the below new text)
Know more about our credit card features and benefits or visit here to apply for Journey Credit Card.
1Travel spend category includes all international (non-AED), Airline, hotel and rent a car spends.
Please note, Visa shall be solely responsible for determining the Merchant Category Codes (“MCCs”) for the campaign’s (School fees, Travel and Entertainment) eligible merchant categories. All the incremental cashback amounts 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 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.
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