Terms & Conditions
Terms and Conditions of Standard Chartered Credit Card Instalment Credit Program and
Standard Chartered Credit-to-Cash Preferential Annual Rate Program (applicable to
program opened on and after 28 February2022):
-
General Terms and Conditions:
-
The Bank reserves the right to vary or modify any of the Terms and Conditions.
In case of any dispute, the decision of the Bank shall be final.
-
Cardholder confirms that no Credit Card under his/her name issued by any
financial institutions has been cancelled due to default in payments, and
there is no current overdue payment exceeding 1 month in respect of his/her
loan indebtedness (including Credit Card and any unsecured loans) with other
financial institutions. Cardholder further confirms that no bankruptcy order
has ever been made against him/her and he/she is not in the process of
petitioning for bankruptcy nor has any intention to do so.
-
The Cardholder understands and agrees that for the purposes of review of
his/her existing credit facilities, the Bank may access data of the Cardholder
held with a credit reference agency in accordance with the provisions of the
Code of Practice on Consumer Credit Data. (Applicable to employee of the Bank
only) The Cardholder authorizes the Bank to retrieve his/her employment
information in the Bank’s record (including his/her salary information) and
use the same for the purpose of credit assessment and processing his/her
application(s) for the Loan.
-
These Terms and Conditions of the Instalment Credit Program and the
Credit-to-Cash Preferential Annual Rate Program shall be governed by and
construed in accordance with the laws of Hong Kong Special Administrative
Region of the People’s Republic of China.
-
If there is any inconsistency or conflict between English and Chinese
versions, the English version shall prevail.
-
Common Terms and Conditions of Standard Chartered Credit Card Instalment Credit
Program and Standard Chartered Credit-to-Cash Preferential Annual Rate
Program:
-
By applying to participate the Instalment Credit Program or the Credit-to-Cash
Preferential Annual Rate Program in writing or by telephone,
Cardholders are deemed to have accepted all Terms and Conditions set out in
this promotional letter, as well as all Terms and Conditions stated in the
Client Terms and the applicable documents referred to in Part A of our
Client Terms (“banking agreement”).
-
The Instalment Credit Program offer and the Credit-to- Cash Preferential
Annual Rate Program offer are only applicable to the designated Standard
Chartered Credit Card Account specified on the application form.
-
No 360˚ Rewards Points will be granted under the Instalment Credit Program and
the Credit-to-Cash Preferential Annual Rate Program.
-
The Instalment Credit amount and the Credit-to-Cash amount applied for should
be in multiple of HKD100.
-
The designated bank may deduct a handling charge for local telegraphic
transfer from the cardholder’s account (except Standard Chartered account).
-
The Bank has the absolute right to approve or decline application for
Instalment Credit Program and Credit- to-Cash Preferential Annual Rate Program
in accordance to the credit policies adopted by the Bank from time to time,
and the Bank has the sole discretion to determine the Instalment Credit and
the Credit-to-Cash amount. The Bank is not obliged to provide reasons for
declined applications. A notification letter will be sent to the Cardholder
advising him/her the approval result and final approved amount.
-
Additional Terms and Conditions of Standard Chartered Credit Card Instalment
Credit Program:
-
The cash amount transferred from the credit limit of the Cardholder’s relevant
credit card account under the Instalment Credit Program is referred to
Instalment Credit amount. Upon approval of your application, the Instalment
Credit amount and any applicable fee(s) and/or handling fees as described in
Clause 5 below will be deducted from the available credit limit of your
designated Standard Chartered Credit Card Account. The credit limit will be
restored upon monthly repayment.
-
Cardholder can make multiple applications during the promotional period.
However, the total Instalment Credit amount and any applicable fee(s) and/or
handling fees as described in Clause 5 below must not exceed your eligible
Instalment Credit amount pre- printed on the promotional materials (if any).
-
The first Instalment Amount and any applicable fee(s) and/or handling fees as
described in Clause 5 below will be billed on the transaction date as shown in
the coming statement which is the approval date of the Instalment Credit
amount.
-
(a) The Instalment Amount in relation to Instalment Credit Program is the
amount payable by the Cardholder to the Bank in each month over the Instalment
Period and is calculated by dividing the Instalment Credit amount by the
number of months in the Instalment Period plus the Monthly handling fee (if
applicable). (b) Each Instalment Amount will be charged to the Card Account as
a billable item under an additional service applied by the Cardholder and be
shown as a cash advance in a Statement. Each Instalment Amount shall be
payable by the Cardholder monthly under the Minimum Payment Due in accordance
with the terms of banking agreement. The late charge and/or finance charge
under banking agreement will apply if Minimum Payment Due or the Statement
Balance shown in the Statement is not paid in full on or before the Payment
Due Date specified in the Statement. (c) The number of instalments, the
Instalment Amount and the Instalment Period cannot be altered without Bank’s
consent. (d) The Instalment Credit amount is not a cash advance nor a retail
purchase transaction made using the designated credit card(s).
-
(a) Upon the Bank’s approval of the application, (i) an application fee
determined and notified by the Bank from time to time will be charged to
the Card Account on a lump sum basis (the Application Fee); handling fee
determined and notified by the Bank from time to time will be charged to
the Card Account on a monthly basis during the Instalment Period (each a
Monthly handling fee, and collectively the handling fee). The Bank
reserves the right to alter both charges from time to time without further
notice; or (ii) an application fee as well as a handling fee determined
and notified by the Bank from time to time will be charged to the Card
Account on a lump sum basis (the One-off Handling Fee). (b) Any applicable
fee(s) and/or handling fees charged to the Card Account as described in
sub-clause (a) of this clause will be treated in the same way as an
Involuntary Charge, and will be shown in a Statement and be payable by the
Cardholder as such in accordance with the terms of banking agreement.
-
(a) The Bank may at any time at its sole discretion terminate or suspend (for
so long as the Bank thinks fit) the Instalment Credit Program in respect of a
Card Account by notice to the relevant Cardholder. (b) Notwithstanding
anything contained in banking agreement, these Terms and Conditions or any
other document, the Bank will at all times have the right at its sole
discretion (i) at any time to charge the Card Account, the aggregate of all
remaining Instalment Amounts and any applicable fee(s) and/or handling fees as
described in Clause 5 above not previously so charged, or the full Instalment
Credit amount and any applicable fee(s) and/or handling fees as described in
Clause 5 above where an application has been approved but not yet charged to
the Card Account, and/or (ii) to demand immediate payment of all sums payable
pursuant to the Instalment Credit by Instalment Credit Program which are set
out in these Terms and Conditions, whether or not already reflected in a
Statement or due and payable at the date of the demand. (c) In particular (but
without limiting the overriding nature of its right) the Bank may exercise its
right under sub-clause (b) if (i) the Card Account is cancelled or terminated
(or notice of cancellation or termination has been given) by the Cardholder or
the Bank for whatever reason; (ii) the Cardholder defaults in the payment of
any amounts due under banking agreement or these Terms and Conditions; (iii)
the Cardholder breaches any other provision of banking agreement or these
Terms and Conditions; (iv) the Cardholder is deceased, or a bankruptcy
petition is presented in relation to the Cardholder, or the Cardholder is
unable to pay his debts as they fall due; or (v) the Bank exercises its right
under sub-clause (a).
-
(a) The Cardholder may at any time during an Instalment Period repay all
Instalment Amount and any applicable fee(s) and/or handling fees payable
over the remaining Instalment Period but not yet charged to the Card
Account subject to payment of an administration fee equivalent to 1% of
the original Instalment Credit amount (the amount which the Cardholder
withdrew upon successful application of Instalment Credit Program) or
HKD300, whichever is higher, will be charged directly to your Standard
Chartered Credit Card account.
(b) The Cardholder shall give the Bank notice at least 5 working days in
advance of his intention to make early repayment. Once given, such notice will
not be revocable without the Bank’s prior consent. Partial early repayment
will not be accepted. (c) On receipt of an early repayment notice, the Bank
will charge to the Card Account the Instalment Amount to be repaid, any
applicable fee(s) and/or handling fees as described in Clause 5 above and the
administration fee as described in sub-clause (a). Such amounts will be shown
in a Statement and be payable as Voluntary Charge(s) and as Involuntary
Charge(s) respectively.
-
Additional Terms and Conditions of Standard Chartered Credit-to-Cash
Preferential Annual Rate Program:
-
For Cardholders who apply Credit-to-Cash Preferential Annual Rate Program,
please call the application hotline 2282 3322 to get the details of their
personalized offer.
-
The transaction type of Credit-to-Cash is cash advance. Upon approval of your
application, your available credit limit will be deducted from your designated
Standard Chartered Credit Card Account accordingly.
-
Cardholder can make multiple applications during the promotional period.
-
If the Cardholder fails to pay on or before the relevant due date any
Minimum Payment Due specified in any statement issued during the
Preferential Interest Rate Period, apart from the fees and charges as set
out in the Credit Card Terms, you will also be subject to the prevailing
interest, fees and charges (including but not limited to finance charge
for cash advance, late charge and default rate) as specified in the
Service Charges Booklet for all of your outstanding amount owed to us
under Credit-to-Cash Preferential Annual Rate Program from the day
following the relevant due date until the date of payment of the amount in
full. The Credit-to- Cash Preferential Annual Rate Program may be
terminated at the sole discretion of the Bank.
-
Upon approval of Credit-to-Cash Preferential Annual Rate Program, (a)
Interest-free period will cease to be applicable to all outstanding
balance and new spending under the Card Account. (b) The Bank is entitled
to apply finance charge for purchase and/or cash advance on all
outstanding balance and new spending (except your outstanding amount owed
to us under Credit-to-Cash Preferential Annual Rate Program) as notified
by the Bank from time to time for the respective Standard Chartered Credit
Card.
-
The approved “Credit-to-Cash” amount cannot be used for the repayment of the
credit card outstanding balance of Standard Chartered Credit Card or MANHATTAN
Credit Card (“Card Outstanding Balance”). If the “Credit- to-Cash” amount is
used to repay the Card Outstanding Balance, the Bank reserves the right to
terminate the program offer and the “Credit-to-Cash” amount would be treated
as Cash Advance. For the terms and conditions of Cash Advance, please refer to
the terms of banking agreement or contact our branch staff for details.
-
If a Cardholder has arranged full payment instruction of Direct Debit
Authorization, the Cardholder should re-arrange payment instructions by
calling our Standard Chartered Customer Service Hotline at 2886 4111,
otherwise, the full amount of the “New Balance” (including full amount of
Credit-to-Cash) as set out on the respective monthly statement will be
automatically settled on the respective Payment Due Date as usual.
-
Interest for the “Credit-to-Cash” amount will be charged at the promotional
rate from the date when your application for this Program is approved till the
end of the Preferential Interest Rate Period. The Prevailing Interest Rate for
cash advance will be applied to the outstanding “Credit-to-Cash” amount
thereafter. During the Preferential Interest Rate Period, notification on
adjustment of Prevailing Interest Rate for cash advance may be sent to you
from time to time and is for your reference only.
Issued by Standard Chartered Bank (Hong Kong) Limited
Terms and Conditions of MANHATTAN “Credit Cash” Instalment Program and MANHATTAN
“Credit Cash” Preferential Annual Rate Program (applicable to program opened on and
after 28 February 2022):
-
General Terms and Conditions:
-
The Bank reserves the right to vary or modify any of the Terms and Conditions.
In case of any dispute, the decision of the Bank shall be final.
-
Cardholder confirms that no Credit Card under his/her name issued by any
financial institutions has been cancelled due to default in payments, and
there is no current overdue payment exceeding 1 month in respect of his/her
loan indebtedness (including Credit Card and any unsecured loans) with other
financial institutions. Cardholder further confirms that no bankruptcy order
has ever been made against him/her and he/she is not in the process of
petitioning for bankruptcy nor has any intention to do so.
-
The Cardholder understands and agrees that for the purposes of review of
his/her existing credit facilities, the Bank may access data of the Cardholder
held with a credit reference agency in accordance with the provisions of the
Code of Practice on Consumer Credit Data. (Applicable to employee of the Bank
only) The Cardholder authorizes the Bank to retrieve his/her employment
information in the Bank’s record (including his/her salary information) and
use the same for the purpose of credit assessment and processing his/her
application(s) for the Loan.
-
These Terms and Conditions of the Instalment Credit Program and the
Credit-to-Cash Preferential Annual Rate Program shall be governed by and
construed in accordance with the laws of Hong Kong Special Administrative
Region of the People’s Republic of China.
-
If there is any inconsistency or conflict between English and Chinese
versions, the English version shall prevail.
-
Common Terms and Conditions of Standard Chartered Credit Card Instalment Credit
Program and Standard Chartered Credit-to-Cash Preferential Annual Rate
Program:
-
By applying to participate the “Credit Cash” Instalment Program or the “Credit
Cash” Preferential Annual Rate Program in writing or by telephone,
Cardholders are deemed to have accepted all Terms and Conditions, as well
as all Terms and Conditions stated in the Client Terms and the applicable
documents referred to in Part A of our Client Terms (“banking
agreement”).
-
The “Credit Cash” Instalment Program offer and the “Credit Cash” Preferential
Annual Rate Program offer is only applicable to the designated MANHATTAN
Credit Card Account specified on the application form.
-
No points will be granted under the “Credit Cash” Instalment Program and the
“Credit Cash” Preferential Annual Rate Program.
-
The “Credit Cash” amount applied for should be in multiple of HKD100.
-
The designated bank may deduct a handling charge for local telegraphic
transfer from the cardholder’s account (except Standard Chartered account).
-
The Bank has the absolute right to approve or decline application for the
“Credit Cash” Instalment Program and the “Credit Cash” Preferential Annual
Rate Program in accordance to the credit policies adopted by the Bank from
time to time, and the Bank has the sole discretion to determine the “Credit
Cash” amount. The Bank is not obliged to provide reasons for declined
applications. A notification letter will be sent to the Cardholder advising
him/her the approval result and final approved amount.
-
Additional Terms and Conditions of MANHATTAN “Credit Cash” Instalment
Program:
-
The cash amount transferred from the credit limit of the Cardholder’s relevant
credit card account under the “Credit Cash” Instalment Program is referred to
“Credit Cash” amount. Upon approval of your application, the “Credit Cash”
amount and any applicable fee(s) and/or handling fees as described in Clause 5
below will be deducted from the available credit limit of your designated
MANHATTAN Credit Card Account. The credit limit will be restored upon monthly
repayment.
-
Cardholder can make multiple applications during the promotional period.
However, the total “Credit Cash” amount and any applicable fee(s) and/or
handling fees as described in Clause 5 below must not exceed your eligible
“Credit Cash” amount pre-printed on the promotional materials (if any).
-
The first Instalment Amount and any applicable fee(s) and/or handling fees as
described in Clause 5 below will be billed on the transaction date as shown in
the coming statement which is the approval date of the “Credit Cash” amount.
-
(a) The Instalment Amount in relation to “Credit Cash” Instalment Program is
the amount payable by the Cardholder to the Bank in each month over the
Instalment Period and is calculated by dividing the “Credit Cash” amount by
the number of months in the Instalment Period plus the Monthly handling fee
(if applicable). (b) Each Instalment Amount will be charged to the Card
Account as a billable item under an additional service applied by the
Cardholder and be shown as a cash advance in a Statement. Each Instalment
Amount shall be payable by the Cardholder monthly under the Minimum Payment
Due in accordance with the terms of banking agreement. The late charge and/or
finance charge under banking agreement will apply if Minimum Payment Due or
the Statement Balance shown in the Statement is not paid in full on or before
the Payment Due Date specified in the Statement. (c) The number of
instalments, the Instalment Amount and the Instalment Period cannot be altered
without the Bank’s consent. (d) The “Credit Cash” amount is not a cash advance
nor a retail purchase transaction made using the designated credit card(s).
-
(a) Upon the Bank’s approval of the application, (i) an application fee
determined and notified by the Bank from time to time will be charged to
the Card Account on a lump sum basis (the “Application Fee”); handling fee
determined and notified by the Bank from time to time will be charged to
the Card Account on a monthly basis during the Instalment Period (each a
“Monthly handling fee”, and collectively the “handling fee”). The Bank
reserves the right to alter both charges from time to time without further
notice; or (ii) an application fee as well as a handling fee determined
and notified by the Bank from time to time will be charged to the Card
Account on a lump sum basis (the “One-off Handling Fee”). (b) Any
applicable fee(s) and/or handling fees charged to the Card Account as
described in sub-clause (a) of this clause will be treated in the same way
as an Involuntary Charge, and will be shown in a Statement and be payable
by the Cardholder as such in accordance with the terms of banking
agreement.
-
(a) The Bank may at any time at its sole discretion terminate or suspend (for
so long as the Bank thinks fit) the “Credit Cash” Instalment Program in
respect of a Card Account by notice to the relevant Cardholder. (b)
Notwithstanding anything contained in banking agreement, these Terms and
Conditions or any other document, the Bank will at all times have the right at
its sole discretion: (i) at any time to charge the Card Account, the aggregate
of all remaining Instalment Amounts and any applicable fee(s) and/or handling
fees as described in Clause 5 above not previously so charged, or the full
“Credit Cash” Amount and any applicable fee(s) and/or handling fees as
described in Clause 5 above where an application has been approved but not yet
charged to the Card Account, and/or (ii) to demand immediate payment of all
sums payable pursuant to the “Credit Cash” by the “Credit Cash” Instalment
Program which are set out in these Terms and Conditions, whether or not
already reflected in a Statement or due and payable at the date of the demand.
(c) In particular (but without limiting the overriding nature of its right)
the Bank may exercise its right under sub-clause (b) if: (i) the Card Account
is cancelled or terminated (or notice of cancellation or termination has been
given) by the Cardholder or the Bank for whatever reason; (ii) the Cardholder
defaults in the payment of any amounts due under banking agreement or these
Terms and Conditions; (iii) the Cardholder breaches any other provision of
banking agreement or these Terms and Conditions; (iv) the Cardholder is
deceased, or a bankruptcy petition is presented in relation to the Cardholder,
or the Cardholder is unable to pay his debts as they fall due; or (v) the Bank
exercises its right under sub-clause (a).
-
(a) The Cardholder may at any time during an Instalment Period repay all
Instalment Amount and any applicable fee(s) and/or handling fees payable
over the remaining Instalment Period but not yet charged to the Card
Account subject to payment of an administration fee equivalent to 1% of
the original “Credit Cash” amount (the amount which the Cardholder
withdrew upon successful application of the “Credit Cash” Instalment
Program) or HKD300, whichever is higher, will be charged directly to your
MANHATTAN Credit Card Account.
(b) The Cardholder shall give the Bank notice at least 5 working days in
advance of his intention to make early repayment. Once given, such notice will
not be revocable without the Bank’s prior consent. Partial early repayment
will not be accepted. (c) On receipt of an early repayment notice, the Bank
will charge to the Card Account the Instalment Amount to be repaid, any
applicable fee(s) and/or handling fees as described in Clause 5 above and the
administration fee as described in sub-clause (a). Such amounts will be shown
in a Statement and be payable as Voluntary Charge(s) and as Involuntary
Charge(s) respectively
-
Additional Terms and Conditions of MANHATTAN “Credit Cash” Preferential Annual
Rate Program:
-
For Cardholders who apply “Credit Cash” Preferential Annual Rate Program,
please call the application hotline 2282 3322 to get the details of their
personalized offer.
-
The transaction type of “Credit Cash” Preferential Annual Rate Program is cash
advance. Upon approval of your application, your available credit limit will
be deducted from your designated MANHATTAN Credit Card Account accordingly.
-
Cardholder can make multiple applications during the promotional period.
-
If the Cardholder fails to pay on or before the relevant due date any
Minimum Payment Due specified in any statement issued during the
Preferential Interest Rate Period, apart from the fees and charges as set
out in the Credit Card Terms, you will also be subject to the prevailing
interest, fees and charges (including but not limited to finance charge
for cash advance, late charge and default rate) as specified in the
Service Charges Booklet for all of your outstanding amount owed to us
under “Credit Cash” Preferential Annual Rate Program from the day
following the relevant due date until the date of payment of the amount in
full. The “Credit Cash” Preferential Annual Rate Program may be terminated
at the sole discretion of the Bank.
-
Upon approval of “Credit Cash” Preferential Annual Rate Program, (a)
Interest-free period will cease to be applicable to all outstanding
balance and new spending under the Card Account. (b) The Bank is entitled
to apply finance charge for purchase and/or cash advance on all
outstanding balance and new spending (except your outstanding amount owed
to us under “Credit Cash” Preferential Annual Rate Program) as notified by
the Bank from time to time for the respective Standard Chartered Credit
Card.
-
The approved “Credit Cash” amount cannot be used for the repayment of the
credit card outstanding balance of Standard Chartered Credit Card or MANHATTAN
Credit Card (“Card Outstanding Balance”). If the “Credit Cash” amount is used
to repay the Card Outstanding Balance, the Bank reserves the right to
terminate the program offer and the “Credit Cash” amount would be treated as
Cash Advance. For the terms and conditions of Cash Advance, please refer to
the terms of banking agreement or contact our branch staff for details.
-
If a Cardholder has arranged full payment instruction of Direct Debit
Authorization, the Cardholder should re-arrange payment instructions by
calling our MANHATTAN Customer Service Hotline at 2881 0888, otherwise, the
full amount of the “New Balance” (including full amount of “Credit Cash”) as
set out on the respective monthly statement will be automatically settled on
the respective Payment Due Date as usual.
-
Interest for the “Credit Cash” amount will be charged at the promotional rate
from the date when your application for this Program is approved till the end
of the Preferential Interest Rate Period. The Prevailing Interest Rate for
cash advance will be applied to the outstanding “Credit Cash” amount
thereafter. During the Preferential Interest Rate Period, notification on
adjustment of Prevailing Interest Rate for cash advance may be sent to you
from time to time and is for your reference only.
Issued by Standard Chartered Bank (Hong Kong) Limited
Manhattan Card – A division of Standard Chartered Bank (Hong Kong) Limited
Terms and Conditions for 7-day Cooling-off Period for Instalment Credit Program
("7-day Cooling-off Period")
-
Subject to the approval of Standard Chartered Bank (Hong Kong) Limited (the
"Bank"), the 7-Day Cooling-off Period may be applicable to Cardholders (as
defined in Section B below) who have successfully applied for Instalment Credit
Program but wish to early repay all outstanding Instalment Credit/ Credit Cash
amount in full within 7 calendar days after the post date of the first
instalment amount.
-
Any application for the 7-day Cooling-off Period has to be made through the
Bank’s Customer Service Hotline at 2886 4111 by the Cardholder personally.
Subject to the Bank’s approval of such application as determined in its sole
discretion, on the condition that the Cardholder has repaid all outstanding
Instalment Credit/ Credit Cash amount in full within 7 calendar days from the
post date of the first instalment amount, the Bank will waive the monthly
handling fee of the remaining instalment periods, the administration fee
equivalent to 1% of the Instalment Credit/ Credit Cash amount or HKD300,
whichever is higher, and the application fee where applicable.
-
Each Cardholder may only enjoy the 7-day Cooling-off Period once during the
Promotion Period (as defined in Section B below).
Terms and Conditions of Instalment Credit Program Promotion (the "Promotion"):
-
The Promotion is valid from 6 February to 5 May 2025 (both dates inclusive) (the
"Promotion Period").
-
To be eligible for the Promotion, cardholders ("Cardholders") shall fulfil the
following requirements during the Promotion Period:
-
hold one of the credit cards issued by Standard Chartered Bank (Hong Kong)
Limited (the "Bank"), including Standard Chartered Credit Card and its
Co-branded Card, MANHATTAN Credit Card and its Co-branded Card (except
Standard Chartered Business Card, Standard Chartered Corporate Card and
Standard Chartered UnionPay Dual Currency Platinum Credit Card (RMB
account)) (the "Eligible Card"); and
-
successfully apply for an Instalment Credit Program of at least HKD30,000
with a tenor of 12 months or above through SC Mobile App, online or manned
channel.
-
Upon fulfilment of relevant requirements, the Cardholder will be entitled to
CashBack ("CashBack") in accordance with the tables below ("Rewards").
-
Instalment Credit Program through SC Mobile App or online channel
| Drawdown Amount (HKD) |
Reward 1: Basic CashBack Reward |
Reward 2: Extra CashBack for New Cardholders* |
Reward 3: Extra CashBack for Payroll Clients |
Reward 4: Extra CashBack for Cardholders with Credit Card Statement
Instalment Plan^
|
| Tenor of 12 – 24 months |
Tenor of 36 – 60 months |
All tenors |
– |
Tenor of 12 months or above |
| $30,000 - $99,999 |
$300 |
$500 |
$500 |
$500 |
$300 |
| $100,000 - $199,999 |
$500 |
$1,500 |
$500 |
$500 |
$300 |
| $200,000 - $399,999 |
$1,500 |
$2,800 |
$1,000 |
$500 |
$300 |
| $400,000 - $599,999 |
$2,500 |
$3,800 |
$1,000 |
$1,000 |
$300 |
| $600,000 - $799,999 |
$3,800 |
$4,800 |
$2,000 |
$1,000 |
$300 |
| $800,000 or above |
$4,800 |
$6,700 |
$2,000 |
$1,000 |
$300 |
-
Instalment Credit Program through manned channel
Drawdown Amount (HKD)
|
Reward 1: Basic CashBack Reward
|
Reward 2: Extra CashBack for New Cardholders*
|
Reward 3: Extra CashBack for Payroll Clients#
|
|
Tenor of 12 – 24 months
|
Tenor of 36 – 60 months
|
All tenors
|
–
|
| $30,000 - $199,999 |
$100 |
$250 |
$500 |
$500 |
| $200,000 - $399,999 |
$250 |
$400 |
$1,000 |
$500 |
| $400,000 - $599,999 |
$400 |
$750 |
$1,000 |
$1,000 |
| $600,000 - $799,999 |
$750 |
$1,000 |
$2,000 |
$1,000 |
| $800,000 or above |
$1,000 |
$2,000 |
$2,000 |
$1,000 |
* Reward 2 is applicable to New Cardholders who did not have any Instalment
Credit Program with the Bank in the past 12 months.
# Reward 3 is applicable to Cardholders who have signed up for a
bonus payroll account and meet the payroll requirements.
^ Reward 4 is applicable to Cardholders who have also successfully applied for a
designated Credit Card Instalment Plan.
-
Any application for the Instalment Credit Program is subject to acceptance by
the Bank at its sole discretion. The Instalment Credit Program will be effective
only after the Cardholder receives an approval notification from the Bank. The
Bank is entitled to reject any application for the Instalment Credit Program
without giving any reasons. Upon the Bank’s approval of the application for
Instalment Credit Program, a handling fee as determined and notified by the Bank
from time to time will be charged to the Eligible Card account on a monthly
basis during the Instalment Credit Program’s instalment period.
-
Upon fulfilment of relevant requirements under these terms and conditions,
CashBack will be rewarded to the Cardholders under this Promotion. The CashBack
earned with respect to drawdown amount will be shown on the “360° Rewards”
platform in June 2025 and will not be automatically credited to the Cardholders’
accounts but can be freely redeemed for cash at the redemption platform. The
CashBack will be given in Hong Kong dollars and the minimum threshold of
CashBack redemption is HKD50 per account and in multiple of HKD50. Redemption of
CashBack is subject to relevant terms and conditions. Please visit
www.sc.com/hk/rewards for details and to redeem the CashBack.
-
For the purpose of this Promotion, Instalment Credit Program applied by the
Principal and Supplementary Cardholder(s) of the same Eligible Card will be
counted collectively.
-
If a Cardholder has applied for more than one Instalment Credit Program and
fulfilled relevant requirements under these terms and conditions, for the
purpose of determining the amount of CashBack to which the Cardholder is
entitled, each Instalment Credit Program will be counted separately. Each New
Cardholder can only be entitled to Reward 2 once.
-
Cardholders shall notify the Bank if they do not receive the CashBack within 1
month after the fulfilment date (that is, 31 July 2025); otherwise, the Bank
accepts no liability and will not be liable for any compensation.
-
The Eligible Card accounts must be valid and in good financial standing at the
time when the CashBack is credited; otherwise the CashBack will be forfeited
without further notice. The CashBack cannot be drawn as cash advance, is/are
non-exchangeable, non-transferable and cannot be used to offset credit card
payment.
-
The Bank will verify the transaction record(s) to confirm the Cardholders’
eligibility under the Promotion. In case of discrepancy between the Bank’s
computer record and details recorded on the credit card sales slips, the Bank’s
computer record(s) shall prevail.
-
If the Cardholders have cancelled any related transaction and drawdown amount of
the Instalment Credit Program which had been included in calculating the
CashBack offered under the Promotion after the receipt of such CashBack, the
Bank has the right to debit the CashBack from the Cardholders’ Eligible Card
accounts or charge against the Cardholders a cost equivalent to the value of the
CashBack without further notice.
-
These terms and conditions should be read together with the Terms and Conditions
of Standard Chartered Instalment Credit Program, the Client Terms and the
applicable documents referred to in part A of the Client Terms including the
Credit Card Terms that form the banking agreement between the Bank and the
Cardholder.
-
The Bank reserves the right to extend, alter, terminate and/or cancel the
Promotion and amend any of these terms and conditions at any time without prior
notice in the Bank’s sole and absolute discretion. All matters or disputes in
connection with the Promotion as set out in these terms and conditions will be
subject to the final decision of the Bank, which shall be final and conclusive.
-
All matters or disputes in connection with the Promotion as set out in these
terms and conditions will be subject to the final decision of the Bank, which
shall be final and conclusive.
- All photos and items information are for reference only.
-
The Cardholder may also enjoy other prevailing offers provided by the Bank on
the Instalment Credit Program t if the relevant requirements are fulfilled.
-
If there is any inconsistency or conflict between the English and Chinese
versions of these terms and conditions, the English version shall prevail.
To borrow or not to borrow? Borrow only if you can repay!
Issued by Standard Chartered Bank (Hong Kong) Limited
Terms and Conditions for the Coupon Code offer (“Offer”)
-
To be eligible for the Offer to enjoy Cash Rebate (“Cash Rebate”), client
(“Eligible Clients”) shall successfully apply and get approved for the Instalment
Credit Program (“Loan”) via Online, and have input a correct Coupon Code, and
fulfilled the conditions stated on the promotional material offered by Standard
Chartered Bank (Hong Kong) Limited (“Promotion Materials”, including but not
limited to MMS, SMS, Push Notification, email) associated with the Coupon Code.
-
The amount of Cash Rebate is determined according to the Promotional Materials.
-
The Cash Rebate will be credited to the Eligible Client’s relevant card account in
the third month after drawdown of the Loan.
-
Eligible Client will not be eligible for any Cash Rebate if Eligible Client
cancels his/her application for the Instalment Credit Program before the Cash
Rebate is granted to the Eligible Client’s relevant card account.
-
The Cash Rebate is non-transferable.
-
The Eligible Client’s relevant card account must be in good financial standing and
remains valid (as determined by Standard Chartered Bank (Hong Kong) Limited (the
“Bank”) at its sole discretion until the Cash Rebate is credited.
-
If there is any inconsistency between the English version and Chinese version, the
English version prevails.
-
The Bank reserves the right to vary, extend and terminate the above Offer and to
amend any of these terms and conditions at any time without any notice. In case of
disputes, the decision of the Bank shall be final and binding.
