Product Disclosure Sheet

Refer to our product disclosure sheet for important information you should know.

Year round shopping privileges

Enjoy the following benefits at Hua Ho Manggis Mall, Sengkurong and Tanjung Bunut:

5%* off electrical items with a minimum spend of BND50 in a single receipt

10%* off department store items with a minimum spend of BND20 in a single receipt (excluding computer, telephone, mobile phone recharge and prepaid cards, selected branded region control price and sale items).

*Discount not applicable to promotion priced items and is subject to Hua Ho Department Store’s terms and conditions


A secure contactless technology that lets you breeze through your transactions.

0% Easypay Instalment

Year round processing fee waiver on all purchases made at participating Hua Ho outlets which are converted to a 6-months instalment plan. A minimum spend of BND300 and above in a single receipt is required.

Flexible repayment

Pay as little as 8.3% of the principal amount due (subject to a minimum of BND40) or enjoy up to 50 days interest-free credit when you settle your statement outstanding in full.

Convenient payment methods

Pay your credit card bills through Online Banking, ATMs, Cash deposit machines, standing instruction or branches.

Online Banking

Enjoy round-the-clock access to your card account. You can view your recent transactions, check your available limit, pay your card bills and redeem your rewards anytime, anywhere.

SMS Banking

Find out your latest balance, payment due date, reward points balance and more via SMS.

Annual Fee

Basic: BND120
Supplementary: BND80

Interest Rate

If payment is not made in full before the due date, finance charges will apply calculated on a daily basis at 1.5% per month from the respective transaction dates for all transactions to the date the payment is received.


Minimum Approved Limit

  • BND4,000

Required Documentation

  • Copy of I/C principal and supplementary card applicants (Passport, if non-Bruneian)
  • Copy of latest salary slip
  • Copy of latest savings passbook or bank statement where salary is remitted
  • Copy of employment letter or contract, if working on contract basis
  • Copy of bank statement of business, if self-employed (last 3 months)
  • Year Round Shopping Privileges

    Enjoy 5% off electrical items and 10% off other department store items at participating Hua Ho Department Stores.

  • 360 Rewards

    Earn Reward Points each time you use your Credit Card to redeem a wide range of dining, shopping, leisure and travel rewards, including air miles.

  • The Good Life

    Enjoy year round discounts and privileges at popular outlets in Brunei and beyond.

  • More convenient

    Enjoy the convenience of Online and SMS Banking, plus added protection with our complimentary SMS Alerts service.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.