Important Information and Terms and Conditions for Application of Standard Chartered Credit Card
  • Documents Required
  • General Terms and Conditions for Credit Card Application
  • Standard Chartered Credit Card Application — Important Notes
  • Highlight of the Banking Agreement (including Credit Card Terms)
  • Welcome Offer Choices and Specifications
  • Welcome Offer Terms and Conditions

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Credit Card Application Declaration

To: Standard Chartered Bank (Hong Kong) Limited (hereinafter called the "Bank", "we", "us" or "our" including our successors and assigns)

By submitting this application:

  1. you (being the person named as the “applicant” in the application) represent and warrant that all information (including any documents) you have given to us (being each member of the Standard Chartered Group identified in the application or the approval as the person providing the facility, product or service to you, and its successors and assigns) in connection with this application is correct, complete and not misleading – important note: if this is not the case you may be personally liable.You also authorize us to verify from any source we may choose. If you are a principal card applicant, you further represent and confirm that the principal card applicant is at least 18 years of age;

  2. you acknowledge that we may decline your application in its entirety or in part (in respect of any one or more particular credit card(s), you are applying for in this application) without giving you any reason for doing so; if this happens, no contractual relationship arises between you and us in respect of any credit card(s) requested in this application which we have declined to provide to you;

  3. you agree and confirm that:

    • our Client Terms and the applicable documents referred to in Part A of our Client Terms, including the Credit Card Terms and other prevailing terms and conditions, Terms and Conditions for e-Statement Service, product brochure, important notes and promotional terms (if any), and any other document forming part of our banking agreement (collectively “the banking agreement”) have been made available to you at any of our branches and on our website at sc.com/hk;
    • you have read and understood the banking agreement and you agree to be bound by it ; and
    • you are bound by any variation we make to the banking agreement, in accordance with the banking agreement - important note: in particular, you understand that by entering into the banking agreement you give indemnities, authorisations, consents and waivers and agree to limitations on our liability;

  4. you further agree and confirm that: (i) a highlight of the banking agreement has been provided to you as appended in this application form; (ii) unless you have indicated your choice to receive a hard copy, you agree to receive an electronic copy of the banking agreement; (iii) you have read and understood the banking agreement and/ or a highlight of it; and (iv) you agree to be bound by the banking agreement;

  5. you acknowledge receipt of and confirm that you have read and agreed to be bound by the Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance (“Ordinance”) and the Code of Practice on Consumer Credit Data (“Notice”) which has been available to you at any of our branches and on our website at sc.com/hk; you further agree that the Notice shall form part of the banking agreement; you agree that all information provided by you in this application form and any other personal data collected by us about you or that you may provide to us from time to time before, during or after this application, may be used and disclosed for such purposes and to such persons (whether the recipient is located in the Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong”) or another country including a country that does not offer the same level of data protection as Hong Kong) for the purposes described in, and otherwise in accordance with our policies on use and disclosure of personal data as set out in the Notice, which may be subject to change from time to time;

  6. you represent and warrant that you have complied and will comply with all applicable laws (including any foreign exchange restrictions) in connection with the banking agreement;

  7. you confirm that:

    • none of your credit cards have been cancelled due to payment default;
    • you do not have any payments overdue by more than one month on any loans or credit cards you have with other financial institutions;
    • you are not and have never been bankrupt and you have no intention of petitioning nor are you currently petitioning for bankruptcy;
    • you understand and agree that the Bank may, at its sole discretion, decide whether to approve this application by reference to the overall banking relationship, total asset balance or deposits held with the Bank if you are an existing banking client;
    • unless otherwise specified, you confirm that you are not a relative or spouse/ex-spouse of any of our or our subsidiary’s or affiliate’s directors, employees with lending authority or shareholders holding 10% or more of our issued shares (“specified persons”). Moreover, none of the specified persons mentioned herein is your guarantor of any other matters. You agree to notify us in writing as soon as reasonably practicable if you subsequently become aware of any change in the aforesaid status;
    • We will serve a written notice to you at your correspondence address provided by you to the Bank if we accept your application;
    • the Credit Card Terms and any important notes and related terms that we have provided to you in connection with the credit card shall form part of the banking agreement and you confirm that you have read and understand them and agree to be bound by them;

  8. You understand and agree that for the purpose of reviewing your existing credit facilities, we may access your data held with a credit reference agency in accordance with the provisions of the Code of Practice on Consumer Credit Data. You understand and agree that the Bank reserves the right to cancel or not to proceed with this application if the required documents and/or application information are not provided within 30 days from the date of the application, and/or the relevant requirement(s) is not met. You further confirm and agree that we may give any information in connection with this application (including your personal information) to the parties (whether situated in or outside of the Hong Kong Special Administrative Region of the People’s Republic of China) and for the purposes as set out in the Notice.

    You understand that sales staff of the Bank receives remuneration with reference to the performance of the relevant staff for promoting various banking and related services that provided by the Bank. The remuneration structure is subject to review by the Bank from time to time and includes salaries, incentives, bonuses, etc.

    If there is any inconsistency between the English version and the Chinese version of this application form, the English version prevails.


Standard Chartered Bank (Hong Kong) Limited Credit Card Key Facts Statement

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Note in Relation to Receiving Notification Letter/ Notice of Change

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Notice to customers and other individuals relating to the Personal Data (Privacy) Ordinance (“Ordinance”) and the Code of Practice on Consumer Credit Data

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