Terms and Conditions

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  • Charity

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360°

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Terms and Conditions
Terms and Conditions
1. Application
1.1.「360° Rewards」Point Rewards Programme (including modifications and changes from time to time, hereinafter referred to as "Point Programme") apply to all individual customers (Hereinafter referred to as "Customer") of the Standard Chartered Bank (China) Co., Ltd. (Hereinafter referred to as "Standard Chartered Bank" or "The Bank"), unless specified by Standard Chartered in other point plan as not applicable to this Point Programme.
1.2.Cardholders of credit cards issued by Standard Chartered Bank can and only can obtain points in accordance with the terms and conditions set forth by「360° Rewards」Credit Card Point Rewards Programme (hereinafter referred to as “Credit Card Point Programme”). Apart from the points transferring out/in under this Point Programme and the Credit Card Point Programme, both point programmes operate independently. To distinguish from the Credit Card Point Programme, this Point Programme can also be referred to as “Retail Client Point Programme”, and the corresponding point rules can be referred to as “Retail Client Point Rules”.
1.3.In case of any of the following circumstances of the customer, Standard Chartered Bank has the right to cancel its right to obtain point, including but not limited to cancelling its qualification to participate 「360° Rewards」Point Rewards Programme or reject point redemption/ charity donation/points transfer out:
1) Any customer's account in the Bank is disabled or restricted to use, bank card is not activated or inactivated, bank card is expired and not renewed, or account status is abnormal;
2) Customers breach the contract or agreement with the Bank, this terms and conditions and any applicable rules, regulations and other relevant provisions; or
3) According to the reasonable judgment of the Bank, the customer's specific behaviour belongs to point defrauding through malicious or fake transaction.

2. Point Rules
2.1.The published point rules of「360° Rewards」Point Rewards Programme on Bank’s official website will be suspended from 1 July 2015. Customers will only be rewarded with points by 30 June 2015, and no new points will be created from 1 July 2015.

3. Investment Reward
3.1.If the customer obtains banking product reward points through the possession of banking insurance products (including combination of banking insurance products and other categories of banking products) but surrenders in advance, The Bank has the right to deduct equal points. If the customers' account has no enough points to deduct, the Bank has the right to deduct such points from the new points of customer's account in the future until equalling to all points obtained by the customer through the banking insurance product.

4. Debit Card Consumption Reward
4.1.If for any reason, the merchant returned to the customer the full / partial debit card spending money, such as customer returned goods or services which consumed via debit card swiping, Standard Chartered Bank is entitled to deduct the debit card reward points which customer obtained via debit card consumption previously, cancel or refuse the redemption / donation request of rewards points / points transfer out by the customer, recover the gifts which the customer has successfully redeemed, or require customer to bear the liability for damages.

5. Period of validity for points
5.1.The points are recorded in the consolidated statement . The customer is responsible to review if the number of points in the latest consolidated statement is accurate and notify the bank immediately for any mistake. If the customer does not notify the bank within 10 days since the issuance of the consolidated statement by the Bank, it shall be deemed as the customer agrees with the number of points recorded on the consolidated statement.
5.2.The Bank has the right to correct any identified mistake in point accumulation. The correction result shall be reflected on the latest consolidated statement.
5.3.The points listed on the latest consolidated e-statement can be used for point redemption / charity donation / points transfer out. Under any circumstances, the points obtained by the customer shall not be used to redeem cash.
5.4.After closing an account, the points accumulated in such account shall immediately be void and cannot be used for any purpose including point redemption / charity donation / points transfer out.
5.5.The points accumulated in this year shall be valid until the end of the next year. The unused points of the last year will expire. The expired points cannot be used for point redemption or charity donation.

6. Charity
6.1.In order to support charity program, customers can give up the right of point redemption. If the customer submits instruction to the Bank to support charity program with points, it shall be deemed as promising to give up relevant points. The instruction of giving up points may not be cancelled. To avoid any question, the given up points shall not be used to redeem gift or for any other purpose.
6.2.When customer gives up points to support charity program, as the donor, the Bank will make donations to relevant program according to the rules of charity program and relevant regulations. To avoid any question, the customer agrees that he/she is not the direct donor of charity program.
6.3.On the premise of complying with the provisions of charity program, the Bank may disclose relevant conditions of charity program to customers as requested.
6.4.For the purpose of assisting the implementation and management of charity program, the Bank may provide the personal information of customers such as name and contact method to relevant third party. If the customer submits the instruction to the Bank for supporting charity program with points, it shall be deemed as customer agree the Bank to disclose its personal information such as name and contact method to relevant third party.

7. Point Redemption
7.1.The customer can apply to redeem the accumulated points for specified gift of the Bank. The gift catalogue and redemption rules of the specified gifts shall be published in the official website of the Bank or through other channels (including modifications and changes from time to time, hereinafter referred to as "Redemption Rules").
7.2.The Bank will process the customer's redemption application successively according to the submit time. If there is no enough point, the redemption application will be void automatically.
7.3.The use of points will be redeemed according to the due time, and the points become due earlier will be used for point redemption in priority.
7.4.Unless provided otherwise in this Terms and Conditions, the routine redemption application submitted by customer to the Bank shall not be changed or cancelled once confirmed, no matter its reward type or submit method, the redeemed points shall be deducted from the point account and the updated point information will be reflected on the next consolidated statement.
7.5.If the gift applied to redeem has reached the limitation set up by the Bank or cannot be provided due to the reason of third-party supplier, the customer may not be able to redeem its applied gift. Under such circumstance, the Bank has the right to notify the customer to cancel redemption application and the relevant points will not be deducted. If the points have been deducted, the relevant points will be returned and reflected in the latest consolidated statement.
7.6.The attached picture (if any) of gift is only for reference, it shall be subject to our available gift. All the gifts (including gift certificates) are provided by third party suppliers and shall be bound by relevant terms of suppliers. Any losses caused by the quality problem of gift or the gift itself, the relevant supplier shall bear the liability for compensation according to law, The Bank shall not be liable for breach of contract or tort related to gifts.
7.7.The delivery scope of gift is limited in mainland China. All gifts shall be delivered by the third party vendor or logistic company (together referred to as “Delivery Company”). The compensation liability caused by any service quality of delivery or losses incurred in delivery shall be borne by Delivery Company according to law. The Bank shall not assume warranty liability in any form for delivery service.
7.8.The customer shall make sure the mobile phone number provided to the Bank is accurate and valid, to which the Bank will send SMS to confirm the customer’s redemption application. Upon submission of redemption application, Delivery Company will contact the customer to confirm the delivery address within 15 working days. The default address for gift delivery is the mailing address provided to and kept by the Bank, and the customer can also require changing the address when Delivery Company called to confirm it. The Bank is entitled to cancel the redemption order if the Delivery Company cannot reach the customer where the customer’s mobile phone number is overseas or invalid number, or where the customer’s mobile phone cannot be connected. In such cases, the reward points will not be redeemed and, if already redeemed, will be returned and reflected in the latest consolidated statement. Unless otherwise specified, the gift will be delivered within 15 working days. The customer can request to change the delivery address via Delivery Company’s hotline published on the Bank’s website using the customer’s designated phone number, or call the Bank’s service hotline 800 820 8088 for help.
7.9.In order to protect the customer's rights and interests, customer shall check the goods and sign for acceptance when receiving the redeemed gift.
7.10.the purpose of the gift exchange, customer agrees the Bank to disclose his/her personal information to gift suppliers and Delivery Company.

8. Points transfer
8.1.The following 2 methods can be used by the customers to transfer out their points:
I If the customer also participates in the Bank’s Credit Card Point Programme, he/she can apply for the reward points obtained under this Point Programme (hereinafter referred to as “Transferred-out Points”) being transferred to the Credit Card Point Programme (hereinafter referred to as “Transferred-in Points”). Transferred-in Points will be subject to Credit Card Point Programme’s Terms and Conditions, point rules, redemption rules as well as other related terms and conditions. For the avoidance of doubt, the reward points obtained under the Credit Card Point Programme cannot be transferred into this Point Programme.
II. Priority customer who enjoying Household Relationship Benefit can apply to one-off transfer reward points (called as “transferred-out points”) obtained under this Point Programme into the account held with the Bank by one of his/her family member (called as “transferred-in points”) who is also granted the Household Relationship Benefit.
8.2.The customer can apply for transfer of reward points via call centre or other channels the Bank provides. The customer can only apply to transfer the reward points obtained so far in a lump sum. The Bank does not accept application for partial transfer at this stage. Currently, the reward points under this Point Programmed will be transferred into the Credit Card Point Programme / family member’s account under Household Relationship at the ratio of 1:1.
8.3.The customer’s application for points transfer cannot be withdrew or cancelled. The Bank has the right to verify and decide whether or not to accept the customer / the family member’s application. The customer’s application may be rejected if t the customer / the family member is no longer entitled to obtain reward points, or either of this Point Programme or the Credit Card Point Programme is no longer applicable to the customer in accordance with the terms and conditions of this Point Programme or the Credit Card Point Programme.
8.4.Once the Bank confirms the customer’s application for points transfer, the reward points held by the customer under this Point Programme will be transferred into the Credit Card Point Programme / family member’s account under Household Relationship in a lump sum and will be reflected in the credit card account held and designated by the customer / family member’s account under Household Relationship with the Bank within 5 working days upon submission of application. The expiry date of the Transferred-out Points shall apply that of the Transferred-in Points.
8.5.Notwithstanding the above, if the only credit card the customer holds with the Bank is a supplementary card, the Transferred-in Points will be credited into the account of the corresponding primary card, and will be owned by the cardholder of the primary card.

9. Others
9.1.The Bank has the right to modify the terms and conditions within the law and publish through this website within a reasonable time. For any question on such terms and conditions, the customer may ask the Bank to make explanation.
9.2.For any documents or data relevant to「360° Rewards」Point Rewards Programme, including but not limited to point rules, publicity documents and activity data, if there is any ambiguity between the Chinese and English version, the Chinese version shall prevail. If there is any ambiguity between the print data and the official website data of the Bank, the latter shall prevail.
9.3.This terms and conditions will be effective since 1 July 2015.
⌈360° Rewards⌋ FAQ
1、 How to check how much points am I have?
A:Totally 3 channels available for your checking of the 360 points including 1) e-statement, 2) talk to your RM, and 3) 24-hour hotline 800 820 8088

2、Where can I redeem the points?
A:Totally 3 channels to redeem the points including:
1)Online submission http://www.sc.com/cn/point-reward/calculator/calculator2.html
2)Talk to your RM
3)Call 24-hour hotline 800 820 8088
3、Does it means I have successfully redeem the points once upon my submission of the request through online?

A:Online submission doesn’t means successful redemption.
1) After the points are successfully redeemed, third party agent will contact the customer to confirm the address and the default address for gift delivery is the mailing address reserved in the Bank system. The Bank will send SMS to customer’s mobile (the number which customer left to the Bank) to confirm the successful redemption. The Bank will cancel the dedemption order if the customer cannot be reached via phone call by third party agent within 15 working days upon the raise of redemption request by the customer, and the related 360 points will not be charged then. If the 360 points has been charged already, the Bank will return these points to the customer’s bank account and the customer can view these points in his/her next bank statement.
2) If the gift applied to redeem has reached the limitation set up by the Bank or cannot be provided due to the reason of third-party supplier, the customer may not be able to redeem its applied gift. Under such circumstance, the Bank has the right to notify the customer to cancel redemption application and the relevant points will not be deducted. If the points have been deducted, the relevant points will be returned and reflected the latest consolidated e-statement. Besides, within the 15 working days, the Bank has the right to cancel the redemption order if the customer’s address is overseas address or the contact number is overseas number or invalid number.

4、 Can I choose the delivery address?
A:the default address for gift delivery is the mailing address reserved in the Bank system. If you would like to change the delivery address, please call our service hotline 800 820 8088.

5、Can I combine the 360 points together with my credit card points for gift redemption?
A:Sure. The customers with credit card can freely transfer the 360 points into credit card account for further redemption including gift, mileages, coupons & etc. The transferred points will be managed credit card terms and conditions, game rule as well as redemption guideline, while the expiry date will still apply for the 360 rewards game rule that the points earned this year will be expired by the end of next year.

6、What can I do if I don’t want to redeem a gift with the 360 points?
A:The 360 points can also doing charity with the following item:
25,000 points to donate RMB25 for Seeing is Believing (SiB), a Standard Chartered's global fundraising initiative to help tackle avoidable blindness. We have so far established six medical projects in China, investing more than RMB20 million to deliver comprehensive and sustainable eye-care services to 1.7 million people, among which over 200,000 people have received cataract surgeries. Improved medical facilities that will continue to benefit its local communities. We target to raise USD 100m by year 2020 for SiB.
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