1. This Offer is applicable only to Standard Chartered Bank UAE Credit cardholders who have been contacted directly by the Bank through SMS. Offer is applicable to Visa Journey credit card only.
2. The campaign offer period is from 12^th of June 2026 – 31^st of August 2026. (Both days are inclusive)
3. One (1) Qualified Card per client is eligible for one (1) award during the Period.
4. Awards will be calculated, funded, and paid by Visa, and will be provided at the end of the campaign, but not later than 15^th of October 2026.
5. This campaign is subject to the applicable terms and conditions of Visa.
6. This cashback campaign is in addition to any existing offers, rewards, or cashback benefits available on the Journey Credit Card.
7. Each client can earn total cashback of upto AED 1,000 during the campaign period.
8. Campaign Offer: Earn 5% cashback on all eligible foreign currency transactions and get rewarded. The cashback will be provided if the Activation spend threshold is achieved.
9. The transactions under this campaign include all foreign currency exchange spends including e-commerce purchases in non-AED currencies made during the campaign period.
10. All credit card loans or any related payments will be excluded under this campaign.
11. Any international cash withdrawal transactions are excluded from this campaign, including transactions processed under merchant categories related to cash withdrawals or cash-like transactions.
12. Total campaign fund:

• The total funds allocated for the “Summer” International spends cashback campaign is limited.
• Visa reserves the right to suspend or terminate the “Summer” campaign before the expiry of the campaign period or at Visa’s discretion.
• If the total rewards earned exceeds the total campaign fund, winners will be determined on a first-come, first-served basis.

13. Any potential complaints from the participating cardholders regarding the award amount will only be reviewed within 30 days after the award period end date of October 15th, 2026. Any complaints submitted after the period stated will not be considered.
14. The interbank USD exchange rate applicable at the time of purchase will be converted to AED currency.
15. Only the card number mentioned in the SMS will be eligible for the offer. Supplementary cards or any other cards are not eligible for the offer.
16. Card present transactions (made against a Point-of-Sale (POS) device) performed outside the country of card issuance will be counted towards the threshold.
17. USD currency online transactions (e-commerce) with international merchants are permitted.

Warning

• Standard Chartered Bank is not responsible for the content, security, operation, or use of any; Third-Party Sites (App) or the products or services that may be offered or obtained through them.
• 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 800 4949 or +971 4 403 9639 from outside the United Arab Emirates, 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/
• In the event that you do not want to receive promotional communication via email, please click here to opt out. Also, if you do not want to receive any promotional calls from the Bank, please let us know by calling our customer helpline on 800 4949 or (+971) 4 4039639 (if calling outside from UAE).
• Standard Chartered UAE is licensed by the Central Bank of the UAE.
• 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.

Campaign Terms & Condition Arabic.