1.Qualifications

• To be eligible to participate in the Referral Programme, referrer must be an existing client of the Bank, and the programme is not applicable to retail banking frontline sales.
• The programme is only applicable to new-to-bank customer. “new-to-bank customer” refer to a client who does not hold any banking account with our bank as of Sep 30, 2025. Customers reopening account during the campaign will not be considered as the “new-to-bank customer”.
• Referee cannot be the same person as referrer.
• Referrer should log in the “Standard Chartered China” WeChat Mini-Programme for programme fulfilment.

2.Qualified Priority Banking Customer refers to:

• A customer who maintains a daily average balance of RMB 500,000 (or an equivalent amount in foreign currency) of deposits and/or investments in the month, or
• A customer who keeps a minimum of RMB 2,000,000 (or an equivalent amount in foreign currency) outstanding principal amount of mortgage loan with the Bank at the end of the last working day of the month.

3.Selected Priority Banking Customer refers to: A customer who maintains a daily average balance of RMB 3,000,000 (or an equivalent amount in foreign currency) of deposits and/or investments.

4.Qualified Priority Private Customer refers to: A customer who maintains a daily average balance of RMB 7,000,000 (or an equivalent amount in foreign currency) of deposits and/or investments.

5.Daily average balance of deposits and/or investments in the month = (Cumulative sum of daily balance of the customer’s deposits and/or investments of each working day in the month) / (sum of working days in the month). Customer’s deposits and/or investments will only include premiums paid for bancassurance products.

6.Referrer’s Obligations Referrer should ensure the accuracy of referral relationship and has fully understood the campaign requirements before providing referee’s information. If the referrer violates above commitment, the Bank reserves the right to cancel the benefits that the referrer has or will receive, including but not limited to cease delivering and/or clawing back the reward.

7.Referrer can claim rewards in “Standard Chartered China” WeChat Mini-Programme within 2 months from the month referee meets all the reward criteria.

8.In each natural quarter, the maximum number of referral rewards that one single referrer can receive is 4 people (inclusive). In each natural year, the maximum number of referral rewards that one single referrer can receive is 10 people (inclusive). Any successful referrals beyond this limit, referrer will not receive extra awards.

9.The validity period of the stars is until the end of the following year when the stars are issued.

10.When the customer initiates a gift redemption, it is deemed that they agree that the bank will provide the recipient’s name, contact number, address, and other relevant information to the supplier for arranging gift distribution. Customers should ensure that the delivery address, postal code, phone number, and other relevant information are correct and complete before initiating gift redemption. Any delay or failure to deliver due to unclear or incorrect information reserved by the customer, or failure to notify our bank in a timely manner of any changes, or no one receiving the goods, shall be the responsibility of the customer.

11.Gifts cannot be changed or exchanged for cash. If the customer’s selected gift inventory is insufficient, the bank has the right to replace it with other equivalent gifts.

12.Gifts and services of this campaign are provided by the third party, and customers shall comply with the third party’s relevant service requirements. Merchandise pictures and contents shown in this promotion are provided by the third party for reference only. The Bank is not responsible for its accuracy and authenticity, and such content shall not be regarded as any implied recommendation, promise or guarantee by the Bank on merchants’ products or services. Merchants are legally responsible for the products or services they provide.

13.The Bank has never authorized any third party organization or individuals to promote or process credit card applications. Please refer to the official information published by the Bank for any customer campaign. In the meantime, be cautious to protect your own personal information.

14.The Bank may collect, use, store and disclose personal information of referrers and referees to the external party (including but not limited to third party suppliers) within the scope of the law.

15.The Bank reserves the right to make changes to this programme (e.g. campaign duration, gifts involved etc.) within the scope of the law and announce through the Bank’s official website in time. Referrers and referees can require the Bank for thorough explanation of the campaign mechanism before participation, or enquire with your RM, or refer to the official website for details.

16.In these Terms and Conditions, “our Bank“, “the Bank“, “Standard Chartered Bank” refer to Standard Chartered (China) Limited.

17.If there is any inconsistency between the English version and the Chinese version, the Chinese version shall prevail.