1. New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.

2. Existing cardholders are applicants who currently hold or have cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card, except for the Standard Chartered Mastercard, issued by the Bank in the past 6 months from the date of approval of their current application for a principal card of the Standard Chartered Cathay Mastercard.