360° Rewards
It's good to have a rewards programme that's actually rewarding

Introducing the 360° Rewards Programme, the all new loyalty programme that is set to provide you with an unmatched experience in redeeming your Reward Points.

Overview
360° Rewads

Standard Chartered Bank brings you 360° Rewards, one of the most comprehensive loyalty programmes in Bahrain. This programme enables you to earn reward points when you spend using your Standard Chartered Credit Card* in Bahrain and abroad. Primary credit cardholders will automatically earn 360° Rewards Points for every credit card purchase made on both the primary and the supplementary cards. The 360° Rewards programme offers an easy and convenient online platform to view, manage and redeem your points. Your Credit Card 360° Rewards Points can be redeemed for gift vouchers, exclusive merchandise, travel and much more. In addition, if you do not have sufficient points to redeem a certain item, the programme offers you the flexibility of either paying for it partially using your Standard Chartered Credit Card or even placing it on the wish list until you have sufficient points to make the redemption. This programme is free of charge and you will be automatically enrolled.

You can view your 360° Rewards Points balance at anytime from your online 360 rewards profile.

Start using your Standard Chartered Credit Card(s)* every day and earn 360° Rewards Points faster to enjoy more rewards.

* available only for Visa Infinite, Visa Platinum Credit Cards

 

360° Rewards Points Earning Structure
Credit Cards
Credit Cards Earn Rate
Visa Infinite 2.65 points for BD 1 spend
Visa Platinum 2.0 points for BD 1 spend

Enjoy the more rewarding credit card programme

How to Redeem
Online Reward Redemption Portal

Step 1

Step1: Visit the Standard Chartered Bank Website

Step 2

Step2: Rollover Online Rewards Option

Step 3

Step3: Sign in with your username and password

Step 4

Step4: Select your redemption preference

Step 5

Step5: Add to Cart and Redeem

To redeem your accumulated 360° Rewards Points, simply follow these steps;

Step 1: Visit www.sc.com/bh/
Step 2: Click on Online Rewards
Step 3: Log in with your Online username and password
Step 4: Pick a product of your choice
Step 5: Add to cart and redeem

To redeem your 360° Rewards Points, simply log on to your 360 Rewards profile or call us on +973 17531532 and advise us on the number of points you wish to redeem, and the redemption option you chose.

Frequently Asked Questions
1. Registration

I'm an existing Standard Chartered Online Banking user... do I need to register again for using this rewards site?

You don't need to register again. You can use your existing Online Banking Username and Password to login. Login now!

I have more than one Credit Card. Do I need to register each one of them for this rewards site?

No. You do not need to register any of your valid Standard Chartered Credit Cards (including supplementary cards) that is eligible for the 360° Rewards Program. However, you will be required to have an Online Banking account in order to login to the online rewards website. All points accumulated via all your eligible Credit Cards will be automatically consolidated to your Online 360° Rewards account.

Are all my Credit Cards eligible for redeeming points via this site?

All Standard Chartered Bank, Bahrain Cards except the Standard Chartered Falconflyer Credit Cards are eligible for redeeming points on 360° Rewards Programme.

The following Standard Chartered Credit Cards are eligible to earn and accumulate 360° Rewards Points.

Credit Card Spend Amount Earn
Visa Platinum Credit Card BD 1
2 points
Visa Infinite Credit Card BD 1
2.65 points

Please note that Points are allocated for Retail Spends and exclude any ATM Cash Withdrawals, fees and interest.

I have forgotten my Online Banking Username and Password, how can I retrieve the same?

You can retrieve / reset your existing Username and Password by following a few simple steps. Retrieve your Online Banking Username and Password.

I'm not an existing Standard Chartered Online Banking user, how can I register for using this rewards site?

You can register for online banking 5 easy steps:
Step - 1: Enter your Debit/ATM Card Number
Step - 2: Enter your Debit/ATM Card PIN
Step - 3: Receive a Temporary Password on your registered Mobile Number
Step - 4: Key in the Temporary Password, personalise your user id and password
Step - 5: And start banking online

Register Now!

Can I have a separate Username and Password for using the rewards site and for accessing Online Banking?

No. For security reasons, only one Username and Password can be maintained for accessing Online Banking or for using this site. If you have an Online Banking Username and Password, you can use the same to access both Online Banking and this site.

I'm not a Standard Chartered Bank customer... Can I access this rewards site?

Yes, you can access the rewards site and browse the catalogue, read information, etc. However, you will not be able to redeem points unless you have a Standard Chartered Credit Card that has sufficient points for redemption.

How do I sign up for a Standard Chartered Bank Credit Card?

You can find details regarding the application process for a Standard Chartered Bank Credit Card by clicking here or by calling +973 17531532.

Do I need to register for this site to view the rewards catalogue?

No. You can browse the catalogue without registering or logging in. You only need to register and login in order to redeem your 360° Rewards Points.

2. Login & Password Help

How do I login to access this rewards site?

Login access is provided in top menu across most pages of the site. Login now.

I'm an existing Standard Chartered Online Banking user: I have forgotten my Online Banking Username and Password, how can I retrieve the same?

You will need to follow the Online Banking Password retrieval process for retrieving your password. Retrieve your Online Banking Username and Password.

I know my existing Online Banking password but want to change it, how can I do this?

Your Online Banking password can be changed via the Change Password link located in the main navigation of Online Banking. Login to Online Banking.

3. Reward Account Management

How can I view my reward point's summary?

After login, click on Account Summary under 'My Account'.

Does the point's summary display the points that I have across all my Credit Cards with the Bank?

The Account Summary under 'My Account' displays the points available for redemption across all participating Credit Cards in the program. The card numbers are indicated next to the points in the Points Summary table. Please note that there may be some credit cards which are not eligible for online point's redemption and are therefore not included in the displayed list.

How can I view the status of my previous orders?

You can view the status via the Order History under 'My Account'. By clicking on any order number, you will be able to view the specific order details.

Can I change the Username and Password that I have for accessing this rewards site?

If you are not an Online Banking customer and / or had registered for this site separately, the Username and Password that you had set up is tagged to all the applicable Credit Cards that you have with the Bank and cannot be changed. However, if forgotten, you can register for Online Banking Register now! and use the Username and Password to login to the rewards site.

Is there any expiry date on points earned?

Yes, points will expire 36 months from the date of points earned.

Can I know how many of my points are expiring within the next 3 months?

Your Points expiry details can be found under the 'Points Expiry' table via Account Summary under 'My Account'.

Can I change the billing address displayed in my account?

No. For security reasons, change of billing address is not permitted via this site. Please contact our customer care for assistance with change in billing address across all your Credit Cards with the Bank.

4. Earning & Redeeming Points

How can I earn 360° Rewards Points?

The following Standard Chartered Credit Cards are eligible to earn and accumulate 360° Rewards Points.

Credit Card Spend Amount Earn
Visa Platinum Credit Card BD 1
2 points
Visa Infinite Credit Card BD 1
2.65 points

Please note that Points are allocated for Retail Spends and exclude any ATM Cash Withdrawals, fees and interest charged.

To check your Point balance, simply refer to your monthly statement, call our 24-hour Phone Banking number +973 17531532 or login to Online Rewards.

How do I redeem the points that I have earned?

To redeem your accumulated 360° Rewards Points, simply call us on +973 17531532 (8000 1400 for Priority Banking Clients having Visa Infinite Credit Card) and advise us about the amount of 360° Rewards Points you wish to redeem, and the redemption option you chose.

Online 360° Rewards:
We have made redeeming your points easier with this site. Simply follow the steps below to redeem your 360° Reward Points anytime.

Steps:
1. Visit https://360rewards.standardchartered.com/bh.
2. If you are a First Time User, register with Online Banking and the newly created Username and Password will be used for accessing this rewards site. Click Here to Register.
3. Login and Search for your favourite rewards by Product name, Points range or Brands.
4. Select your rewards, indicate quantity and add to cart.
5. Confirm your order upon Checkout.

By Phone:
Simply call our 24-hour Phone Banking number at +973 17531532.

Please allow approximately 10 to 15 working days for your redemption orders to be mailed to your billing address. Please note that voucher/s issued is not refundable, nor exchangeable for cash, or another Reward.

How do I know how many points I have for redemption?

Points available for redemption in your reward account can be seen once you login using your Username and Password in the Account Summary section. After login, the Catalogue Tab on the top of the page also displays your total available points.

What can I redeem?

As a Standard Chartered Bank customer, you can choose from a wide variety of exciting offerings. Please refer to our 360° Rewards Catalogue.

How do I find/search for rewards that I'm interested in?

You can browse for an Award by selecting a category and then a sub category. This will display all the available awards in the categories selected. You can also use the Quick Search function to find specific Awards. Type a keyword into the text box located above the category headings and click "Enter". This will bring up all the Awards in the catalogue which match the keyword that you have entered.
You can also search using the "Advance Search" function to search and find your favourite item:
1. By category
2. By brands
3. By descriptions
4. By points range

What are the Terms and Conditions for redeeming products?

Click here to go to the Programme Terms & Conditions page.

How are 360° Rewards Points deducted from my account once I confirm an order?

The Bank will deduct 360° Rewards Points based on expiry date. Points going to expire earliest will be deducted first. You cannot specify the cards from which the points would be deducted.

How do I know from which of my Credit Cards will the points be deducted?

The Bank will deduct 360° Rewards Points based on expiry date. Points going to expire earliest will be deducted first. You cannot specify the cards from which the points would be deducted. You can refer to your Account Summary on this reward site for the balance of 360° Rewards Points.

Are all my Credit Cards eligible for redeeming points via this site?

All Standard Chartered Bank Bahrain Cards except the Standard Chartered Falconflyer Credit Cards are eligible for redeeming points on 360° Rewards Programme.

5. Orders & Delivery

How do I place an order for redeeming my points?

Online 360° Rewards:
We have made redeeming your points easier with this site. Simply follow the steps below to redeem your 360° Reward Points anytime.

Steps:
1. Visit https://360rewards.standardchartered.com/bh.
2. If you are a First Time User, register with Online Banking and the newly created Username and Password will be used for accessing this rewards site. Click Here to Register.
3. Login and Search for your favourite rewards by Product name, Points range or Brands.
4. Select your rewards, indicate quantity and add to cart.
5. Confirm your order upon Checkout.

By Phone:
Simply call our Phone Banking number +973 17 531 532 and our customer service agent will assist you with your redemption order.

Please allow approximately 10 to 15 working days for your redemption orders to be mailed to your billing address. Please note that voucher/s issued are not refundable, nor exchangeable for cash, or another Reward.

What is the process for receiving my order?

You will receive your redemption order within 10 to 15 working days of placing your order either Online or through Phone Banking. The order will be delivered to your communication address in our bank records. If you wish the order to be delivered to a different address, please update the order fulfilment form accordingly at the time of placing the redemption request.

If I update the mailing address for delivering the item, will it be updated in the bank's records?

No, the address will be used only for that particular delivery request. To change the mailing address in the Bank's records please call our Phone Banking number.

Can I redeem an Award (Merchandise, Voucher, E-Voucher, MCert) for delivery to another person?

Yes, the delivery address/e-mail/mobile number you provide can be different from your own information but the address must be within the Country.

How long will it take for my order to reach me?

Please allow us up to 10 to 15 working days to deliver your redemption order at your communication address. You can call our Phone Banking number +973 17531532 at any time to know the status of your orders.

How can I view the status of my previous orders?

You can view the status via the Order History under 'My Account'. By clicking on any order number, you will be able to view the specific order details.

6. Key features of the site

What is this site for?

This site enables you to manage your rewards redemption more efficiently. You can check your points balance, view the 360° Rewards & Cashback Catalogue, redeem rewards and view the status of your current or previous order at your convenience. You can also browse the site and obtain necessary information regarding the rewards program, promotions as well as merchant details.

What are the key features of this site?

a. Check points balance
b. Redeem points
c. View order status
d. View points history
e. Access the eShop and Travel portal
f. Transfer points

Does one need to register for using this site / browsing the rewards catalogue?

No, you can access the rewards site - browse the catalogue and obtain program information - without registering. However, in order to redeem points you will need to register and login.

What is the registration process?

1. If you are an existing Online Banking user, you don't need to register again. You can use your existing Online Banking Username and Password to login. Login now.
2. If you are not an existing Online Banking user, you can register for using this site in 5 easy steps:
Step - 1: Enter your Debit/ATM Card Number
Step - 2: Enter your Debit/ATM Card PIN
If you only have a Credit Card with us then please enter your Card Number, Card expiry date, Date of Birth & CVV.
Step - 3: Receive a Temporary Password on your registered Mobile Number
Step - 4: Key in the Temporary Password, personalise your user id and password
Step - 5: And Start banking online

Register Now!

How do I find/search for rewards that I'm interested in?

You can browse for an Award by selecting a category and then a sub category. This will display all the available awards in the categories selected. You can also use the Quick Search function to find specific Awards. Type a keyword into the text box located above the category headings and click "Enter". This will bring up all the Awards in the catalogue which match the keyword that you have entered. You can also search using the "Advance Search" function to search to find your favourite item:
1. By category
2. By brands
3. By descriptions
4. By points range

What is an eVoucher?

This is a voucher delivered to your email. You can print the email and use it at the merchant's point of sale to make your redemption or purchase. No need to wait for the physical voucher to be sent to you via post.

Can I make copies of the eVoucher and redeem it multiple times?

You can make copies, however each voucher has a unique code. So the voucher can be utilised only once.

What is a mCert?

This is a unique voucher code delivered to your mobile. You can share the unique voucher code delivered at the merchant's point of sale to make your redemption or purchase.

Can I forward the mCert to my friends?

The mCert can be forwarded to anyone but it can be redeemed only once at the merchant.

What if my eVoucher or mCert is accidently deleted or lost?

We will be able to resend eVouchers and/or mCerts to the recipient indicated at the point of checkout. Please kindly contact our customer service hotline at +973 17 531 532.

What is covered under 'Specials'?

We continually seek to provide irresistible offers and promotions for you to get more out of your Rewards points. Under specials you will find 'Deal of the day', 'Limited', 'Promo Packs' and 'Coming Soon' promotions.

What is a 'Deal of the Day' item?

These are items at a specially discounted rewards price usually available for a limited time such as one day.

What is a 'Limited' item?

These are items available in a limited quantity. These are usually items in high demand or those that are available at a specially discounted rewards price.

What is a 'Promo Pack'?

These are multiple items available bundled in a single pack, usually at a better combined price than the individual items.

What is 'Coming Soon'?

These are items that will be added to our catalogue soon. You can show your interest by adding the Awards to your Wait List, and when the Award item is available for redemption you can proceed with checkout. However, adding to your Wait List does not guarantee you the Award item, redemption of any Award is on a first come first serve basis while supplies last.

What is Points Plus Pay and how does it work?

Points Plus Pay allows you to choose the points and cash combination for redemption of the award. If you have the specified minimum number of points you can use an accepted Credit Card to purchase the Awards you want, using a mixture of points and cash.

You can use Points Plus Pay for most Awards. However some Awards are excluded, including all Vouchers, E-Vouchers, MCerts.

You can choose to use Points Plus Pay both when browsing Awards, or when reviewing your Wishlist and in your shopping cart before proceeding with the checkout.

1. When browsing Awards if Points Plus Pay is available a slider will be displayed when you are on a product page. This will allow you to choose the mixture of cash and points for the redemption. Once happy, click 'Add to cart' or 'Add to cart and check out'. Your selection will then be displayed in your Shopping Cart.

2. When in your Shopping Cart, you can still choose/change the points and cash combination before checkout.

Why is Points Plus Pay not always available?

Some Awards are available for points only and may not be available using Points Plus Pay. Points Plus Pay is generally not available for specific Awards and all Vouchers, E-Vouchers, MCerts.

I would like to redeem an Award using Points Plus Pay. What are my options for payment?

We accept only Standard Chartered Credit Cards for payment of all orders. Cheques or cash payments are not accepted. You will be prompted to select the eligible Standard Chartered Credit Card before you check out.

Can I use a Standard Chartered Debit card to make the payment?

No, only your Standard Chartered Credit Cards can be used to make the 'Points Plus Pay' payment.

What is a "Promotion Code" and how do I use it?

The Bank may have promotions that would allow Members to redeem a specific Award at a discount rate via a Promotion Code. Member must add the specific Award to shopping cart and at point of checkout, key in the Promotion Code given to redeem the Award at the discount rate.

Can I use the "Promotion Code" more than once?

It will depend on the Promotion Code provided by the Bank. Please refer to the Terms and Conditions of each Promotion Code given for use.

What is a "Wishlist"?

You can add Awards of interest in your Wishlist even if you do not have the required points to redeem the item. When you have achieved the required amount of points, a notification will appear on your home page the next time you log in indicating that your Wishlist reward is now ready to be redeemed. You can choose to redeem each item using your points, or with a combination of points and cash.

What is a "Wait List"?

You can add 'Coming Soon' Awards into your Wait List. Once the item is available on the catalogue, a notification will appear on your home page the next time you log in indicating that your Wait List reward is now ready to be redeemed. The "Add to Cart" button will appear once an item is available for redemption.

What are Popular Rewards?

These are popular Award items that are being redeemed by other members.

What are the Terms and Conditions for using this site?

Click here to go to Programme Terms & Conditions.

7. Using the Travel site (3rd Party)

How do I find the travel site?

You can find the 'Travel' category in the top menu bar of the rewards catalogue site.

What benefits do I have on the travel category?

You can use your 360° reward points for the following travel related benefits
a. Redeem your points at the partner travel site
b. Convert points to frequent flyer miles of participating airlines
c. Redeem travel accessories

How do I redeem my points for flight and hotel bookings?

You can navigate to our partner travel website by clicking on the link provided here.

Is the flight, hotel redemption site maintained by Standard Chartered Bank?

No it's maintained by our Partner - Asia Travel. By accepting to navigate to this site you would leave the Standard Chartered Bank website and enter a third party site. Your name and rewards balance will be passed on to the third party site using a one-time encrypted URL. This information and all information that you provide will be subject to confidentiality and security terms of the third party site. Standard Chartered Bank does not take responsibility for the information provided at such a third party site.

Can I call the Standard Chartered helpline to redeem my points for flight booking?

No, you can only redeem online through the third party partner site.

Can I call the Asia Travel helpline to redeem my points for flight booking?

No, you can only redeem online through the third party partner site.

How do I amend or cancel my travel bookings?

Kindly refer to the booking confirmation sent to you by Asia Travel. You have to call the Asia Travel helpline or email Asia Travel.

Is my travel booking/s managed by Standard Chartered Bank? Whom can I contact for more details on the participating hotels, airlines, etc?

No, all travel bookings are managed by Asiatravel.com who will be responsible for all subsequent booking logistics and requests. For enquiries e-mail customerservice@asiatravel.com.

8. Using eShops (3rd Party)

What is the eShop?

eShop provides the following benefits to Standard Chartered Bank customers through 3rd party partners.
a. Shipping service to local destinations for online purchases made on US websites
b. Additional Cashback or Reward Points for online shopping on certain partner sites

Is the shopping site maintained by Standard Chartered Bank?

No it's maintained by independent 3rd party service providers. By accepting to navigate to this site you would leave the Standard Chartered Bank website and enter a third party site. All information that you provide will be subject to confidentiality and security terms of the third party site. Standard Chartered Bank does not take responsibility for the information provided at such a third party site.

Does Standard Chartered Bank give a warranty on the quality of products bought from eShops?

No, Standard Chartered Bank takes no responsibilities for the quality of products or services purchased from the eShop.

9. Contact Us

Contact Details

Phone +973 17531532 or 8000 1400 (toll free for Priority Banking customers with Infinite Credit Card)
Terms & Conditions
1. The Programme
1.1 The Standard Chartered 360° Rewards points programme ("Programme") is a bonus points scheme which rewards you with points based on the amount you have spent using your Credit Card(s), or we may also reward you on the basis of your average or outstanding balance of the average assets under management if you hold certain products with us *amp.
1.2. You agree to participate in the Programme in accordance with these terms, which must be read in conjunction with the Account Opening, Credit Card, Personal Loan Terms and Conditions which form our banking agreement.
1.3. To participate in the Programme, your Credit Card accounts must be in good standing. All benefits accrued under the Programme by the Primary or Supplementary Cardholder will be given to the Primary Cardholder.
1.4. If you are the Primary Cardholder, you will be entitled to use the points for redemption of goods and services. Your Supplementary Cardholder will not be entitled to perform the redemption.
1.5. You may be disqualified from participation in the Programme at our discretion, if we determine:
  • Your card account has been blocked, suspended, terminated or closed;
  • You face legal proceedings or are under threat of so;
  • Any of your accounts with us are delinquent or unsatisfactorily conducted for any reason; and
  • You are or are potentially in breach of our banking agreement.
1.6. If you are disqualified from the Programme in accordance with clause 1.5, all your unused points will be cancelled and no longer be available for use under the Programme.
1.7. Once disqualified from the Programme in accordance with clause 1.5, any pending orders will not be traceable by Standard Chartered systems. If your pending redemption gets cancelled for any reason including but not limited to failed delivery, customer not reachable etc, Standard Chartered will not be in a position to re-order the item on your behalf. As such it is your responsibility to ensure you do not terminate your card account while waiting for an order to be processed and delivered.
1.8. If you are the Primary Cardholder and you terminate your supplementary card, you will still be eligible to participate in the Programme. Benefits which accrued up to the date of termination of your supplementary card will still be available and passed on to your card account.
1.9. If there is any inconsistency between the terms of this Programme and the Credit Card Terms, the terms of the Programme prevail.
1.10. All references to transactions and/or redemption timings mentioned on the rewards website are as per Hong Kong Standard Time (GMT +8), unless stated otherwise.
2. How the 360°Rewards Programme works
2.1 We award you points for each [Bahraini Dinar] that you spend based on the total amount of Credit Card retail transactions effected on a [daily] basis and rounded down to the nearest point.
2.2. We do not include the following in the computation of points under the Programme:
  • Cash Advances or cash withdrawals at ATMs,
  • Annual fees charged for the Credit Cards
  • Interest or finance charges levied on outstanding on Credit Cards
  • Late payment and collection charges
  • Fees and charges reversed from Credit Card accounts
  • Charges incurred but not yet submitted by the merchant or posted to your Credit Card account
  • Amounts which have been rolled over from preceding months' outstanding
  • Tax refunds from overseas purchases
  • Pay portion for a points plus pay reward redemption, where you use points along with paying a specific amount to redeem the reward
  • Balance transfer to your Credit Card account
2.3. We may vary the conversion rates of the points to the amount charged or, if you are entitled to Pan Bank Rewards, assets under management, and we will notify you in writing (30 days notice) of the variation.
2.4. Unless we offer you the ability to redeem rewards using our Points Plus Pay feature, you must have the number of points required to redeem the rewards in your accounts at the time their order is made. If you do not have enough points, we can reject your request to redeem the reward.
2.5. If you cancel your Credit Card and a new Credit Card account is subsequently opened at a later date, we are not obligated to transfer points accrued under the previous Credit Card account to the new account, unless we agree otherwise in writing.
2.6. We may temporarily suspend the calculation and accrual of points to adjust any calculation that we deem appropriate. We need not give you notice or a reason if we do so. For example, adjustments will be made if there are any credits posted to a Credit Card account including those arising from returned goods and services or from billing disputes.
2.7. Unless we agree, points accrued under the Programme are not transferable, to any person or entity.
2.8. Points accrued under this Programme have no cash or monetary value.
Pan Bank Rewards ("PB Rewards")
2.9. PB Rewards is the bonus point scheme where we reward you based on the average or outstanding balance of the average assets under management in the products that we specify. Currently, the products that are eligible for PB Rewards are Credit Card transactions, mortgage loans, personal loans, auto loans, investments, and CASA balances.
2.10. In order to be eligible for PB Rewards, you must be a Priority Banking customer who holds the Standard Chartered Visa Infinite Card ("Visa Infinite Card") and a Priority Banking CASA ( Current Account/ Saving Account).
2.11. To be eligible for PB Rewards, you must satisfy the following criteria:
  • Be the Primary Cardholder of the Credit Card
  • Be the primary account holder of the product
2.12. If you terminate any product used to calculate PB Rewards, other than the Infinite Credit Card, you will not be entitled to PB rewards specific to the said product. From the date of termination, you will continue to earn points on your Credit Card spending, if you are still eligible to participate in the Programme.
2.13. We may stop the PB Rewards or amend the terms and conditions for award of PB Rewards by giving you 30 days notice.
3. Redemption
General
3.1 You may select and redeem any one or more of the rewards featured in the programme catalogue, our website or any other publications in any medium, via any redemption channel we make available to you from time to time. The use of any particular channel for redemption will be subject to the terms and conditions then in force. Your redemption will signify acceptance of these terms.
3.2. If you are not making the redemption request in person, we assume that all redemption requests made through electronic banking are made by you in your capacity as Primary Cardholder.
3.3. We will process your redemption request within the time frame as specified in the catalogue. The delivery of rewards vouchers or products may vary depending on the actual reward or product redeemed.
3.4. All requests will be processed on a first-come, first-served basis, and are subject to sufficient points, and rewards availability.
3.5. Redeemed rewards are not exchangeable for other rewards, or refundable, replaceable or transferable for cash or credit under any circumstances.
3.6. Once you have confirmed your redemption request, it is irrevocable and you cannot ask for a refund of the points used for the redemption, or reverse your request.
3.7. Redemption and use of a reward is subject to availability and to such conditions as may be specified by the participating merchants. We are not responsible for ensuring that the product or service that you have redeemed for using your reward points will be available. The participating merchant reserves the right to supply alternative products or services of similar quality or price to you.
Wish list
3.8. You may add a reward to a wish list to be redeemed at a later date. We remove the item from your wish list if it is no longer available for redemption.
Waitlist
3.9. From time to time we may introduce a reward that may be available for redemption at a later time. You may add this to your waitlist, and we will notify you when the reward is available. Redemption of the reward is still subject to availability and to the terms and conditions attached to the reward.
Points plus Pay
3.10. If you choose to redeem a reward using our Points plus pay feature, we allow you the option to redeem using a combination of points and cash payment, subject to a minimum number of points that we may specify.
3.11. Where rewards are redeemed through a points plus pay redemption, you irrevocably authorise us to debit your Credit Card account with the pay portion in the redemption. The charges for the pay portion will be shown in your statement following your redemption. We do not accept any other methods of payment.
3.12. If you return the product and ask us for a refund and we agree, the same number of points redeemed for that product will be refunded to you and the same money amount paid by you for that product will be refunded to your Credit Card account.
Rewards Voucher Redemption
3.13. If you chose to redeem a voucher, we issue the voucher in the name and address of the Primary Cardholder. Redemption of the voucher must be made by the person named in the voucher.
3.14. If you instruct us to issue and deliver the voucher to an address other that the address in our database, the address for delivery of the voucher will not be used to update your address in our database.
3.15. You must use the Rewards Voucher in accordance with the terms stated in the voucher. You must present the original voucher and the Credit Card used for the rewards redemption to the merchant as proof of eligibility. The merchant may require you to sign on the voucher prior to redemption.
3.16. If you have to make additional payment in order to use the Rewards Voucher, you have to charge the difference to your Standard Chartered Bank Credit Card. If the value of goods and services requested through the use of the Rewards Voucher is below the value stated in the Rewards Voucher, we or the merchant will not refund you with the difference.
3.17. You cannot exchange the Rewards Voucher that you have redeemed for another voucher, product or service or ask for a cash refund.
3.18. You have to arrange or make at your own cost any additional meals, transportation or accommodation arrangement or any other incidental arrangements as may be necessary in connection with any Rewards Voucher.
Product Redemption
3.19. If you choose to redeem a product and once we have confirmed the redemption request, the reward points cannot be transferred back to your account.
3.20. We give no representation or warranty with respect to the products redeemed. In particular, we do not represent or warrant the quality of the products or their suitability for any purpose. Any disputes concerning the goods or services redeemed as products must be settled between yourself as Cardholder and the participating merchant or supplier directly. We may assist you in providing you with the details of the supplier or participating merchant of any products that you have redeemed.
e-Vouchers
3.21. An e-Voucher is an electronic Voucher which is sent to an email address.
3.22. When redeeming an e-Voucher, we will send the e-Voucher to an email address specified by you, at the point of redemption, which will be the same as recorded in the Bank's system.
3.23. The use of the e-Voucher will be subject to the terms stated therein.
3.24. We are not responsible for any delay in transmission of, loss of, or non-receipt of, e-Vouchers redeemed by you, due to any reason whatsoever. One e-Voucher can only be redeemed once unless otherwise specified on the e-Voucher.
mCerts
3.25. An mCert is an electronic voucher which will be sent to a mobile device via smart messaging ("SMS").
3.26. All mCerts will be delivered to the specified mobile number provided by you and as recorded in the Bank's system when you redeem a mCert.
3.27. Receipt of the mCerts is at your risk. We do not replace or resend any mCerts that may not have been redeemed within the validity period mentioned on the mCerts due to whatever reason.
3.28. You are required to use the mCert in accordance with the terms stated therein.
3.29. One mCert can only be redeemed once unless otherwise specified on the mCert.
4. Rewards Points Transfer
4.1 We may agree, if you request and are eligible to participate in the Programme, to transfer points to nominated family members [or friends] who are also Cardholders and eligible to participate in the Programme. We charge a fee for the transfer.
4.2. Expired points cannot be transferred.
4.3. Any transferred points will follow the latest points expiry date of the account transferred to.
4.4. We cannot reverse, change or cancel any points transfer once we have acted on your request.
4.5. We will take action including forfeiting the accumulated points and cancelling your Credit Card if we in our sole discretion suspect any fraud in, or abuse of, redemption of the points transfer request.
5. Products and Services redeemed
No liability
5.1 We are not liable for any goods or services or the quality or performance of such goods or services supplied by the participating merchant, shopping site, travel redemption site, service provider or other authorised agent under the Programme. You must direct any complaints or feedback in respect of such goods and services to the respective participating merchant, provider or agent.
5.2. We are not responsible for lost or stolen Rewards Vouchers, e-Vouchers, mCerts or any goods and services redeemed under the Programme. These will not be replaced by the Bank.
6. Disclosure of information
6.1 In addition to the Credit Card Terms and Conditions, you consent to the disclosure of your account information to our vendor for the purposes of fulfilling your rewards redemption request. Your information will also be provided to eShop, which is our partner's online shopping website; and direct travel redemption website if you choose to access those websites.
7. Access
Any access that we may grant you from our Online Rewards Redemption website, or partner websites, will transport your navigation out of our sites. We are not responsible for, do not endorse, and make no representation or warranty in connection with, any hyperlinked internet sites on our website.
8. eShop
Our eShop is a website hosted by our vendor. It provides hyperlinks to the websites hosted and/or operated by the online retailers and displays promotions offered by the online retailers to you as our Cardholder.
For the avoidance of doubt this website does not include the websites hosted and/or operated by the Online Retailers.
General
8.1. When you access the eShop through our website, a tracking code is transmitted to this eShop website through a one way and one time encrypted message. If you access the eShop, you consent to this tracking code to be transmitted to the mall website. This code is used to credit any benefits such as cash back or reward points back to your account that you may be eligible for by the virtue of transacting on this website using your standard chartered Credit Card. If you do not consent to your details being transmitted, please do not access the eShop.
8.2. The vendor of the eShop or operators of the Online Retailers will not be able to access our website (secured or otherwise) to gather any more information, other than the information that was passed through.
8.3. The Online Retailers appearing on the eShop are independently run and not owned or partnered by us to provide products or services to you.
8.4. You may purchase the products or services on these websites using your Credit Card.
8.5. We are not responsible for, do not endorse, and make no representation or warranty in connection with, any hyperlinked internet sites on our website. We are not responsible for any loss you incur in connection with those hyperlinked sites.
Any transactions effected on the eShop through the online retailer are made on your own accord. We are not responsible, and make no representation as to the quality or suitability of the products for their purpose. Notwithstanding any provisions to the contrary contained herein, any dispute concerning the goods and services purchased or redeemed on the Online Retailer's website must be settled by you directly with the Online Retailer. We do not take responsibility for resolving such disputes.
9. Online Travel Redemption ("Travel Site")
Our online travel redemption website is a website owned and powered by [Asiatravel.com Holdings Limited] which will feature promotions relating to travel, accommodation, packages which you can redeem using your points. You can also purchase any products and services on the website using your Credit Card.
General
When you access the Travel Site through our website, your name and accumulated points will be transmitted to this website through a one-way and one-time encrypted message. If you do not consent to your details being transmitted to the Travel Site, please do not access the Travel Site. The operator of the Travel Site will not be able to access our website (secured or otherwise) to gather any more information, other than the information that was passed through.
9.1. All products and services offered on the Travel Site are offered by Asiatravel Holdings Limited. We do not endorse, and make no representation or warranty in connection with the products or services offered on the Travel Site. We are not responsible for any loss you incur in connection with those hyperlinked sites.access our website (secured or otherwise) to gather any more information, other than the information that was passed through.
9.2. You may use your points to redeem for any of the products / services that may be offered for Travel Site.
9.3. The Travel Site may also offer goods and services which you can purchase directly using our Credit Card.
Any transactions effected on the travel site are made on your own accord. We are not responsible, and make no representation as to the quality or suitability of the products or services for their purpose. Notwithstanding any provisions to the contrary contained herein, any dispute concerning the goods and services purchased or redeemed on the Online Retailer's website must be settled by you directly with the Online Retailer. We do not take responsibility for resolving such disputes.
10. Meaning of words
You also need to refer to the product terms which also define key words specifically applicable to the product. If a word defined in these terms is also defined in any product terms, the definition in the product terms applies for the purposes of the applicable product.
Card association means Visa International, MasterCard International or any other card association.
Cardholder means, for an account, each person to whom we issue a Credit Card on the account.
Credit card means a Credit Card with the branding of a card association issued by us to you in accordance with Credit Card Terms and Conditions.
Credit Card spends means retail transactions charged to the Credit Card reflected in the statement in any particular month.
Current and/or Savings Accounts means any valid product holdings in current accounts (regardless of denominations) or saving accounts (regardless of denominations) as at end of the month.
Fixed Deposits means any valid product holding in time deposits denominated in local currency and foreign currency as at end of the month.
Investments mean any valid product holding in Unit Trusts, Medium Term Notes, Structured Deposits, Retail Bonds, Premium Currency Investment and Equity Linked Notes as at end of the month. CPF purchased funds do not qualify.
Mortgage Loans means any valid product holding in mortgage loans as at end of the month.
Personal Credit Account means personal credit account or CreditOne account or Credit Manhattan account or any other account we may designate from time to time.
PB Rewards means rewards given to you (in the form of points or any other form or name we may decide) by you holding different Product Categories.
Primary Cardholder means the person to whom we issue the primary Credit Card.
Points mean the number of points which you will earn in accordance with your Credit Card spending, or in accordance with PB Rewards.
Programme means Standard Chartered 360° Rewards Programme.
Supplementary card means, for an account for a Credit Card, a Credit Card issued to a person you authorise as a supplementary cardholder on your account for the Credit Card.
Supplementary cardholder means each person to whom we issue a supplementary Credit Card.
Reward means, products and services, including cash back and air miles that may be redeemed by you using reward points issued under this agreement.
You means you (Primary Cardholder), your Supplementary Cardholder, your joint account holder or your authorised person who are our Private Banking, Priority Banking, Preferred Banking or Personal Banking customers.
Visa Infinite Card means the Standard Chartered Visa Infinite Credit Card issued by the Bank.
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