“Personal Banking Privileged Plan” Upgrade Program


“Personal Banking Privileged Plan”, just made for you. Whatever for online, mobile, financial solutions or customer support, “Personal Banking Privileged Plan” will provide you a customised service all the time. Upgrading to “Personal Banking Privileged Plan”, you can enjoy convenient and “privileged” banking service with more rewards and benefits!

Between 1 Oct 2016 and 31 Mar 2017 (both dates inclusive), enjoy fabulous rewards by successfully upgrading to “Personal Banking Privileged Plan”:

  • A Welcome Gift valued at RMB150 or 150 thousands credit card reward points for joining “Personal Banking Privileged Plan”
  • A Welcome Gift valued at RMB20 for setting up “Direct Debit Instruction” at a branch
  • A Loyalty Gift valued at RMB100 or 100 thousands credit card reward points for meeting the criteria of “Personal Banking Privileged Plan”
  • Enjoy FREE CASH WITHDRAWALS at any CUP ATMs in China or overseas if the amount per transaction exceeds RMB2,000 (or equivalent foreign currency) after upgrading your debit card to Yi-Zhang-Hu Debit Card at a branch
  • Enjoy FREE CHARGE on first year annual fee, 3 TIMES reward points, ONLINE SHOPPING reward points and a WELCOME GIFT by successfully apply for ZhenYi credit card (gold card) Apply Now
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    “Personal Banking Privileged Plan” Welcome Gift

    Offer: RMB150 JD.com E-coupon or 150 thousands credit card reward points

    Eligibility: Any Personal Banking Client who opened an account before 29 February 2016 (inclusive) and didn’t become a qualified* client under “Personal Banking Privileged Plan” yet

    Criteria: Any eligible client keeps his/her total asset in month being over RMB100,000 or equivalent foreign currency for three consecutive months (“maintenance period”) during programme period will be upgraded to be a qualified* client under “Personal Banking Privileged Plan” and entitled with the Welcome Gift: non credit card holders of our bank are entitled with RMB150 JD.com Electronic Coupon; our bank’s credit card holders are entitled with 150 thousands credit card reward points**.

    * Qualified client under “Personal Banking Privileged Plan”: a client under “Personal Banking Privileged Plan” with the total assets in month being over RMB100,000 or equivalent foreign currency.
    **Welcome gift will be delivered to the client’ at the end of next month after the client has successfully maintained the eligibility for three consecutive months.

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    “Personal Banking Privileged Plan” Loyalty Gift

    Offer: RMB100 JD.com E-coupon or 100 thousands credit card reward points

    Eligibility: Any qualified* client under “Personal Banking Privileged Plan”



    Criteria: Any eligible client who keeps his/her total asset in month being RMB100,000 (or equivalent foreign currency) for another three consecutive months after the 3-month maintenance period, he/she will be entitled with the Loyalty Gift: non credit card holders of our bank are entitled with RMB100 JD.com Electronic Coupon; our bank credit card holders are entitled with 100 thousands credit card reward points.

  • “Direct Debit Instruction” Welcome Gift

    Eligibility: Any clients under “Personal Banking Privileged Plan”

    Criteria: During programme period, any “Personal Banking Privileged Plan” client who has signed a letter of authorisation for Direct Debit Instruction and successfully performed at least one transaction within three months after the signing date will be granted with the Welcome Gift: RMB20 JD.com Electronic Coupon.

    *This Welcome Gift may be granted to the same client together with the aforesaid Welcome Gift for the “Personal Banking Privileged Plan”.

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    • Yi-Zhang-Hu Debit Card: enjoy free cash withdrawals at any CUP ATMs in China or overseas if the amount per transaction exceeds RMB2,000 or equivalent foreign currency*(after receiving notice SMS, please bring your ID card and the original debit card to one of our branches and apply for Yi-Zhang-Hu debit card)
      * Some countries may charge service fee for cash withdraw, which has nothing to do with CUP or debit card issuing bank. Please pay attention to the notice on ATMs when withdrawing cash overseas.
    • ZhenYi Credit Card: Enjoy FREE CHARGE on first year annual fee, 3 TIMES reward points, ONLINE SHOPPING reward points and a WELCOME GIFT by successfully apply for ZhenYi credit card (gold card). Apply Now

How to become a “Personal Banking Privileged Plan” client?

  • Keep your total asset in month being over RMB100,000 or equivalent foreign currency;
  • Sign any housing mortgage loan contract with us and successfully get the loan; and the related loan contract has not been terminated and there isn’t any breach of the loan contract;
  • Sign a Direct Debit Instruction authorisation letter with our Bank.

Terms and Conditions

Terms and Conditions for “Personal Banking Privileged Plan” Upgrade Program:
  1. “Our Bank” refers to Standard Chartered Bank (China) Limited.
  2. DDI refers to the service whereby clients authorise our Bank to, based on withdrawal instruction, transfer the corresponding amount from clients’ remittance accounts to their receipt accounts of our Bank. The monthly withdrawal amount shall not be less than RMB10,000. DDI for personal unsecured loan is not included in this programme.
  3. Welcome Gift for “Personal Banking Privileged Plan” shall not be enjoyed together with other new client programmes of the “Personal Banking Privileged Plan”.
  4. Electronic coupons will be sent by the supplier to client’s cell phone, of which the number has been registered at our Bank. Please make sure that the cell phone number registered at our Bank is correct and valid.
  5. On the purpose of gift delivery for this programme, the mobile phone numbers of the clients who are entitled with gifts will be provided to gift vendor.
  6. Credit card points can be redeemed for gifts in our bank’s credit card mall, points expired date and other rules will follow credit card points rules of Standard Chartered Bank.
  7. Programme rules are formulated and explained by our bank, any updates for the programme will be released on webpage of Standard Chartered Bank.
  8. In case of any inconsistency between the English and the Chinese versions, the Chinese version shall prevail

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