1. The offer will be provided only during the Campaign Period between 1^St July 2025 to 31^st December 2025, both days inclusive.
2. The offer is available to all New to Bank clients of Standard Chartered Bank UAE, (hereinafter “the Bank”). Clients shall be eligible to enter the raffle draw when they meet the requirements set out in these Terms & Conditions.
3. New to Bank clients are defined as clients who have not been Priority Banking clients of the Bank within the past 12 months and have opened accounts during the Campaign Period and/or do not hold existing Current and/or Savings Account and/or Term Deposit accounts with the Bank
4. Eligible Deposit Products include Current and/or Savings Accounts, including Saadiq variants. This excludes MortgageOne Account and SaadiqOne Account.
5. Campaign Offer: All New to Bank Clients who meet the minimum eligibility criteria of transferring their salary to SCB shall be eligible to enter the Raffle Draw.
6. One winner will be announced for every month between July and December 2025.
7. Clients onboarded during the campaign period and have not won the raffle will continue to be added to the eligible list to be considered for the subsequent draws each month.
8. Timeline for the announcement of the winners is as below:

9. For more information on the Credit Cards, Mutual Funds, and Insurance Offer for New to Bank Clients refer to additional Terms and Conditions set out in the attached appendices.
10. In event of closure of any or all the Account(s) prior to the expiry of the Campaign Period; the clients will not be eligible for the campaign offer.
11. These terms and conditions are supplemental to the Client & Product Terms and Conditions
12. The Campaign and these terms and conditions may be amended and/or terminated at any time by SCB without prior notice and is not valid in conjunction with any other special promotion or other reward periodical campaign.
13. The Bank shall not pay late payment charges or additional compensation for any delay in announcement of winners.
14. The Bank shall not be liable for any delay in announcing the winners and/or prize if such delay is because the client cannot be contacted. Additionally, the bank reserves the right to announce alternate winners in the event a client is non-contactable.
15. Minor / Guardianship accounts are excluded from the campaign.
16. Transfer of funds from a client’s spouse, siblings, parents, or children’s accounts into the client’s account via internal transfer, cash withdrawal and deposits or transfers routed through other bank(s) will be excluded from New Funds calculations.
17. Setup of multiple family accounts will not be eligible under the campaign and will be excluded from the campaign.
18. The Bank reserves the right to terminate the campaign and to vary or modify any of the terms and conditions herein from time to time. In case of disputes, the decision of the Bank shall be final and binding. Further, the Bank reserves the right to cancel or amend the campaign and these terms and conditions without notice in the event of a catastrophe, war, civil or military disturbance, act of God or any actual or anticipated breach of any anticipated law or regulation or any other event outside the Bank’s control. Any change to the campaign would be notified as soon as possible by the Bank. In the event of such change or termination, clients agree to relinquish their rights in respect to the campaign and acknowledge that they will have no recourse against the Bank.
19. The campaign and these terms and conditions are governed by the Laws of the United Arab Emirates and any disputes will be subject to the exclusive jurisdiction of the courts of Dubai.
20. 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 4 403 9639, 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/

Appendix 1: Credit Cards Offer Terms and Conditions:

Promotion:

1. Eligible clients who apply for a Credit Card during the Campaign Period will enjoy preferential rates on Cash on Cards.
2. Client can avail up to 75% of their available Credit Card Limit as Cash Loan or Cash Finance as early as Day 1 of taking a Credit Card with SCB and pay back over a period of up to 48 months.
3. Cardholders will be eligible to avail this facility within 180 days from the card opening date.

Eligibility Criteria & New Benefits:

4. Uniform offer of Cash Loan/Finance on up to 75% of available limit to all NTB Credit Cardholders.
5. Cardholders can choose fixed instalments plan tenures from 12 to 48 months.
6. Benefit from the fixed monthly interest rate as low as 0.79% per month.
7. 0 AED processing fee.
8. Minimum Cash Loan/Finance amount is AED 3,000.
9. Funds will be transferred to any listed bank account in the UAE.
10. No documents or application forms required.

Early settlement charges of 2% or AED 250, whichever is higher applies.

Appendix 2: Mutual Funds Offer Terms and Conditions:

Promotion:

1. Eligible clients who make new Smart Savings Plan investments during the Campaign Period will enjoy a 50% discount on the setup fee.
2. A Smart Savings Plan investment can be done via Online Mutual Funds on our Online/Mobile banking platform or through your Relationship Manager.
3. The minimum investment amount will continue to apply for the respective funds.

General Terms:

1. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with this Promotion, including eligibility. The Bank’s determination of all matters relating to this Promotion shall be final and conclusive and no correspondence will be entertained.
2. The Bank reserves the right to do any of the following without prior notice or reason: (a) terminate, withdraw, shorten or extend this Promotion at the Bank’s sole discretion, with or without prior notice or reason; and/or (b) vary, modify, add or delete any of these Promotion T&Cs. You understand and agree to be bound by any such variation.
3. In the event of any inconsistency between these Promotion T&Cs and any brochures, marketing or promotional materials relating to this Promotion, these Promotion T&Cs shall prevail to the extent of such inconsistency.
4. These Terms are governed by the laws of United Arab Emirates and parties submit to the non-exclusive jurisdiction of the courts of United Arab Emirates.

Disclaimers:

Standard Chartered UAE is licensed by the Central Bank of the U.A.E.

Standard Chartered Bank, UAE is Licensed by Securities and Commodities Authority (SCA) to practice Promotion Activity.

Investment: This is for general information and does not take into account a person’s individual circumstances, objectives or needs, nor does it constitute any prediction of likely future movements in rates or prices. It has not been prepared for any particular person or class of persons and does not constitute and should not be construed as an investment advice nor an investment recommendation. It has been prepared without regards to the specific investment objectives, financial situations or particular needs of any person. You should seek advice from a financial adviser on the suitability of an investment for you, taking into account these factors before making a commitment to invest in an investment. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether the respective investment is suitable for you.

Standard Chartered Bank is incorporated in England with limited liability by Royal Charter 1853 Reference Number ZC18.The Principal Office of Standard Chartered Bank is situated in England at 1 Basinghall Avenue, London, EC2V 5DD. Standard Chartered Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Appendix 3: Life Insurance Offer Terms and Conditions:

1. This Standard Chartered Bank Insurance offer (“Promotion”) is available from 1 July 2025 to 30 September 2025, both dates inclusive (“Promotion Period”).
2. By participating in this Promotion, you agree to be bound by these terms and conditions (T&Cs).
3. The signed applications must be received and accepted by Zurich International Life between 1 July 2025 to 30 September 2025, and policies must be issued on or before 15 October 2025.
4. Only regular premium life insurance products are eligible for this Promotion (International Term Assurance, International Decreasing Term Assurance, Futura, and Global Choice). The Wealth Accumulation plan and Critical illness protection plans are excluded from this offer.
5. To be eligible for the offer, clients must meet the minimum monthly premium requirements, as per the table below:

6. The redemption confirmation will be sent to eligible clients on their registered email address with Standard Chartered Bank, UAE, upon successful payment of the third month’s premium as per the below table*:

*These are provisional dates and could vary depending on when premium collection is successful.

7. The eligible clients will have their devices handed over physically by their respective relationship managers and/or insurance specialist and/or via the Bank’s courier partner, whichever is more convenient and feasible.
8. This Offer is limited to one reward, as per the devices listed above, whichever is applicable as per the required qualifying criteria.
9. The corresponding reward is not transferrable or exchangeable for cash, credit, or any other items in part or whole.
10. The Bank does not offer or provide any warranties or accept any responsibility or liability concerning the device given under this Offer.
11. The Bank and Zurich International Life are not responsible for any loss, damage, and/or injury sustained by the client or any other person arising directly or indirectly from using the iPhone or Whoop device.
12. Apple / Whoop are not participants in or a sponsor of this program.

Disclaimer:

Life insurance products are provided and underwritten by Zurich International Life (Zurich). Standard Chartered Bank U.A.E. distributes the Products on behalf of the insurance provider and earns a commission from the insurance provider from the sale of this product. Standard Chartered Bank does not offer insurance advice or underwrite or issue insurance policies. Standard Chartered Bank shall not be responsible for the insurance provider’s actions or decisions, nor shall Standard Chartered Bank be liable regarding payment of claims or services under the policy/insurance contract or in any manner whatsoever regarding your application or the contract of insurance.

This information is general and does not consider a person’s individual circumstances, objectives, or needs.

Standard Chartered U.A.E. is licensed by the Central Bank of the U.A.E.

This email is intended only for clients of Standard Chartered Bank and does not tantamount to spamming. Standard Chartered P.L.C. and its subsidiaries do not accept liability for damage caused by this email or any attachments and have no liability whatsoever to any person on account of the use of information provided herein. The said information is provided on a best-effort basis.

Standard Chartered Bank is incorporated in England with limited liability by Royal Charter 1853 Reference Number ZC18. The Principal Office of Standard Chartered Bank is situated in England at 1 Basinghall Avenue, London, EC2V 5DD