Instalment Credit Program – Postlogin

KFS
Terms & Conditions
Notes

Key Facts Statement (KFS) for Instalment Loan

Standard Chartered Credit Card Instalment Credit Program/ MANHATTAN Credit Cash Instalment Program

This product is an instalment loan.

This KFS provides you with indicative information about interest, fees, and charges of this product but please refer to our offer letter for the final terms of your instalment loan.

Please read and understand the information in this KFS before you apply for this product. You will be requested to confirm that you have read and understood the information in this KFS when submitting the application.

Interest Rates and Interest Charges

Interest Rate

The interest rate is the basic interest rate shown as a percentage of the amount borrowed over a year.

Please refer to the handling fee and additional information below

Annualised Percentage Rate (APR)

Please refer to the handling fee and additional information below

Annualised Overdue / Default Interest Rate

According to the terms of banking agreement of the relevant credit card. Banking agreement includes our Client Terms and the applicable documents referred to in Part A of our Client Terms.

Repayment

Repayment Frequency

This loan requires monthly repayment.

Monthly Repayment Amount

Take personalized monthly handling fee 0.19%^ as an example, for a loan amount of HK$100,000 with monthly repayment:

Loan Tenor	6-month	12-month	24-month
Monthly repayment amount for the monthly handling fee specified above	N/A*	HK$8,523.33	HK$4,356.67

Total Repayment Amount

Take personalized monthly handling fee 0.19%^ as an example, for a loan amount of HK$100,000 with monthly repayment:

Loan Tenor	6-month	12-month	24-month
Total repayment amount for the monthly handling fee specified above	N/A*	HK$102,280	HK$104,560

Remark: To calculate the above information applicable to your specific case, please use our online calculator accessible from our website which provides Credit Card Instalment Credit Program at https://www.sc.com/hk/loans/personal-instalment-loan-repayment-calculator/

Fees and Charges

Handling Fee

Take personalized monthly handling fee 0.19%^ as an example, for a loan amount of HK$100,000, the APR is as follows:

Loan Tenor	6-month	12-month	24-month
APR	N/A%*	4.26%	4.40%

An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of a product expressed as an annualised rate.

Late Payment Fee and Charge

According to the terms of banking agreement of the relevant credit card. Banking agreement includes our Client Terms and the applicable documents referred to in Part A of our Client Terms.

Prepayment / Early Settlement / Redemption Fee

1% of the original loan amount or HK$300, whichever is higher, will be charged if you make early repayment in full.

Returned Cheque / Rejected Autopay Charge

According to the terms of banking agreement of the relevant credit card. Banking agreement includes our Client Terms and the applicable documents referred to in Part A of our Client Terms.

Additional Information

Application Fee

HK$200 will be charged when an application is approved by the Bank as a handling fee for application.

Minimum Loan Amount

HK$3,000

Remarks:

^The availability of personalized monthly handling fee and APR is individualized and subject to account status. You may call our Hotline or login to SC Mobile or Online Banking for your eligible monthly handling fee and APR.

* This is not applicable because the minimum loan tenor the Bank offers is 12-month.

The Chinese version of this KFS is for reference only. The English version will prevail if there is any inconsistency between the English and Chinese versions.

To borrow or not to borrow? Borrow only if you can repay!

Issued by Standard Chartered Bank (Hong Kong) Limited

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:
1. 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.
2. 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.
3. 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.
4. 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.
5. 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:
1. 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”).
2. 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.
3. No 360˚ Rewards Points will be granted under the Instalment Credit Program and the Credit-to-Cash Preferential Annual Rate Program.
4. The Instalment Credit amount and the Credit-to-Cash amount applied for should be in multiple of HKD100.
5. The designated bank may deduct a handling charge for local telegraphic transfer from the cardholder’s account (except Standard Chartered account).
6. 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:
1. 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.
2. 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).
3. 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.
4. (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).
5. (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.
6. (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).
7. (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:
1. 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.
2. 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.
3. Cardholder can make multiple applications during the promotional period.
4. 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.
5. 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.
6. 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.
7. 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.
8. 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:
1. 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.
2. 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.
3. 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.
4. 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.
5. 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:
1. 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”).
2. 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.
3. No points will be granted under the “Credit Cash” Instalment Program and the “Credit Cash” Preferential Annual Rate Program.
4. The “Credit Cash” amount applied for should be in multiple of HKD100.
5. The designated bank may deduct a handling charge for local telegraphic transfer from the cardholder’s account (except Standard Chartered account).
6. 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:
1. 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.
2. 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).
3. 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.
4. (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).
5. (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.
6. (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).
7. (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:
1. 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.
2. 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.
3. Cardholder can make multiple applications during the promotional period.
4. 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.
5. 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.
6. 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.
7. 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.
8. 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")

Within 7 calendar days immediately following the post date of the first instalment amount of the Instalment Credit Program (the “7-day Cooling-off Period”), the Cardholder may submit an early settlement request to the Bank through our Hotline at 2886 4111. Upon approval by the Bank, monthly handling fee of the remaining instalment periods of the Instalment Credit Program, administration fee equivalent to 1% of the Instalment Credit /Credit Cash amount or HKD300 (whichever is higher), and any application fee (collectively, the “Early Settlement Fees”) will be waived. However, the monthly handling fee* may still be levied on the Instalment Credit Program during the 7-day Cooling-off Period on a pro-rata basis. Final approval is subject to the Bank’s discretion.
To early settle all outstanding Instalment Credit / Credit Cash amount during the 7-day Cooling-off Period and enjoy waiver of the Early Settlement Fees, the Cardholder shall repay all outstanding Instalment Credit/Credit Cash amount and any monthly handling fees incurred in full to the Bank within 7 calendar days from the post date of the first instalment amount.
The Cardholder who has early settled all outstanding Instalment Credit / Credit Cash amount during the 7-day Cooling-off Period will no longer be entitled to any promotional offer in relation to the Instalment Credit Program.
Each Cardholder may early settle all outstanding Instalment Credit / Credit Cash amount during the 7-day Cooling-off Period and enjoy waiver of the Early Settlement Fees ONCE ONLY in each quarter.

^{*The applicable monthly handling fee is a fee being charged
by the Bank for servicing the loan, and is not a fee being
charged for early loan repayment or redemption.}

Terms and Conditions of Instalment Credit Program Promotion (the "Promotion"):

The Promotion is valid from 3 July 2025 to 31 July 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 or online.
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^
Drawdown Amount (HKD)	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

* Reward 2 is applicable to New Cardholders who did not have any Instalment Credit Program with the Bank in the past 12 months from the drawdown date of their current applications for the Instalment Credit Program.

^# Reward 3 is applicable to Cardholders who have successfully signed up for a bonus payroll account (as the primary account holder) with the Bank during the Promotion Period which must remain valid at the time when the CashBack is credited. The Cardholders shall use such bonus payroll account for receiving salary of HKD20,000 or above every month through the Auto-Payroll Service within the first 2 calendar months from the date of signing up for the bonus payroll account, and continue using the Auto-Payroll Service until the CashBack is credited. “Auto-Payroll Service” means the automatic crediting of salary to a payroll account on a monthly basis by (a) the Cardholder’s employer through automatic payment arrangements as specified by the Bank from time to time or (b) standing instruction with transaction narrative containing “SALARY”, “SALARIES”, “WAGE”, “WAGES”, “PAYROLL” from other local banks (other than the Bank). “Auto-Payroll Service” does not include payment through overseas telegraphic transfer, Clearing House Automated Transfer System (CHATs), cheque or cash.

^ Reward 4 is applicable to Cardholders who have, in addition to the Instalment Credit Program, also successfully applied for a designated Credit Card Instalment Plan with drawdown amount of at least HKD25,000 and tenor of 12 months or above through SC Mobile APP or online during the Promotion Period, and such application is completed and approved instantly by the Bank during the Promotion Period.

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 October 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, 30 November 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 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.

Notes

Important notes
1. The Bank has the absolute right to determine the approval of the loan and the final interest rate, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors.
2. If client proceeds with the application, client agrees to receive all Terms and Conditions of this product in electronic format.
3. The Bank does not appoint any intermediaries, third parties charged or will be charged you any loan referral fees. By submitting the application, clients confirm that the application is not referred by third party under a beneficial arrangement.
Responsible lending reminder
1. To borrow or not to borrow? Borrow only if you can repay!
2. Smart Tips: You may access your repayment ability first to avoid any over-borrowing and have a clear understanding of your financial condition, daily expenses, and actual borrowing needs. Please repay the loan on time to avoid late payment charges and additional overdue interest.

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