Standard Chartered Hong Kong | Referral Programme

Terms & Conditions

General Terms and Conditions for SC Referral Club

Unless otherwise specified, the promotion period is from 2 January 2025 to 1 July 2025, both dates inclusive (the “Promotion Period”).
The SC Referral Club consists of the following:-
1. Priority Private SC Referral Club;
2. Priority Banking SC Referral Club;
3. Premium Banking SC Referral Club;
4. Easy Banking SC Referral Club;
5. Payroll SC Referral Club;
6. MSA SC Referral Club;
7. Standard Chartered Cathay Mastercard SC Referral Club; and
8. Smart Card SC Referral Club.
9. Securities Account SC Referral Club
Additional terms and conditions apply to each SC Referral Club. There may be additional requirements to be fulfilled under each SC Referral Club. Please refer to the Sections below for details. Additional Terms and Conditions of each SC Referral Club should be read together with these General Terms and Conditions, as well as any prevailing terms applicable to your banking relationship with Standard Chartered Bank (Hong Kong) Limited (the “Bank”).
To be eligible to participate in the SC Referral Club, the referrer (“Referrer”) must be an existing client of the Bank and hold at least one (1) valid deposit account (as primary account holder in the case of joint account), or one (1) valid credit card (as principal card cardholder) issued by, the Bank. Business Banking clients, Private Bank clients, and staff of the Bank are not eligible as a Referrer under the SC Referral Club.
For a Referrer to enjoy a Referral Offer, the Referrer must make a successful referral of an individual (“Referee”) to sign up for any New Service(s) during the Promotion Period with the following requirements having been fulfilled (“Successful Referral”):
1. the Referrer shall share with the Referee a designated link for application (“Designated Application Link”) with the referral code (“Referral Code”) embedded via SC Mobile during the Promotion Period.
2. the Referee shall apply for any New Service(s) with the Bank using such Referral link during the Promotion Period; and
3. additional requirements specified in the Additional Terms and Conditions of each SC Referral Club in the Sections below are fulfilled.
“Referral Offer” refers to an offer in each SC Referral Club under which a Referrer will be entitled to upon fulfilment of the requirements in the relevant terms and conditions, including the Priority Private Referral Offer, Priority Banking Referral Offer, Premium Banking Referral Offer, Easy Banking Referral Offer, Payroll Referral Offer, MSA Referral Offer, Standard Chartered Cathay Mastercard Referral Offer and Smart Card Referral Offer.
“Referee Offer” refers to an offer in the Standard Chartered Cathay Mastercard SC Referral Club and the Smart Card SC Referral Club under which a Referee will be entitled to upon fulfilment of the requirements in the relevant terms and conditions, including the Standard Chartered Cathay Mastercard Referee Offer, the Smart Card Referee Offer and the Personal Loan Referee Offer.
“New Service(s)” refers to newly applied Priority Private, Priority Banking, Premium Banking, Easy Banking, Bonus Payroll Account, Marathon Savings Account, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private, and Smart Credit Card, new Securities Account and Personal Loan Referral Offer with the Bank.

The Referrer will be rewarded with either cash rebate, CashBack or Asia Miles as the Referral Offer for each Successful Referral under the SC Referral Club depending on the product(s) the Referrer holds with the Bank. Details of the Referral Offer that the Referrer may be entitled to under a SC Referral Club, including the fulfilment date, are specified in the Additional Terms and Conditions in the Sections below.

Product(s) held by the Referrer	Form of Referral Offer
Deposit account(s) (sole name or joint deposit account in the capacity as primary account holder) only	Cash rebate
Deposit account(s) (sole name or joint deposit account in the capacity as primary account holder) and any Standard Chartered Credit Card(s)	Cash rebate
Standard Chartered Cathay Mastercard only^	Asia Miles / CashBack*
One or more Standard Chartered Credit Card(s)#, ^	CashBack

Notes:
* CashBack will be provided as the Referral Offer under the Payroll SC Referral Club and the MSA SC Referral Club. Asia Miles will be provided as the Referral Offer under other SC Referral Clubs.

^ If the Referrer only holds one Standard Chartered Credit Card in the capacity as a supplementary cardholder, he / she will not be eligible to any Referral Offer.

# If the Referrer has more than one Standard Chartered Credit Cards, the Bank will select any one of the Standard Chartered Credit Cards held by the Referrer as the principal cardholder with the latest account opening date for the crediting at its sole discretion.

“Standard Chartered Credit Cards” refer to Standard Chartered Credit Card, Standard Chartered Co-branded Card, MANHATTAN Credit Card and MANHATTAN Co-branded Card issued by the Bank, including supplementary cards, Standard Chartered Business Card and Standard Chartered Corporate Card
10.In respect of fulfilment of cash rebate, the Bank will credit the cash rebate to the HKD deposit account (excluding Marathon Savings Account, Wealth Saver Account, MortgageOne® Account and Mortgage Saver Current Account) held by (in the case of the Referral Offer) the Referrer or (in the case of the Referee Offer) the Referee in sole name:
1. Sub-account under Integrated Deposits Account;
2. Current Account;
3. Statement Savings; and
4. Passbook Savings.
If the Referrer or the Referee has no valid HKD deposit account in sole name, the Bank will credit the Cash rebate to the Referrer’s or the Referee’s HKD joint deposit account in the capacity as primary account holder in the above sequence. If the Referrer or the Referee has no valid HKD deposit account, the Bank will credit to the Referrer’s or the Referee’s USD deposit account at an exchange rate determined by the Bank at its sole discretion in the above sequence.

If Referrer or the Referee has more than one account under same account type, the Bank will select any one of the accounts with the latest account opening date for the crediting at its discretion. If the Referrer or the Referee does not have any account as stated above on the date when the cash rebate is to be credited, the cash rebate shall be forfeited absolutely at the Bank’s sole discretion and shall not be paid to the Referrer or the Referee through any other means.
In respect of fulfilment of CashBack, the CashBack will be shown on the 360° Rewards Redemption Platform and will not be automatically credited to (in the case of the Referral Offer) the Referrer’s or (in the case of the Referee Offer) the Referee’s credit card account but can be freely redeemed for CashBack under the online catalogue of the platform. The CashBack will be given in Hong Kong dollars and the minimum threshold for CashBack redemption is HKD50 per account redemption. For details, please refer to the section named “CashBack Redemption" under the Terms and Conditions for Points Redemption.
In respect of fulfilment of Asia Miles, (in the case of the Referral Offer) the Referrer or (in the case of the Referee Offer) the Referee must have a valid Cathay membership account on the Bank’s record. The Bank will provide the relevant information of the Referrer’s or the Referee’s Cathay membership account, including family name, given name, membership number and the number of Asia Miles rewarded to Asia Miles Limited for the crediting of the Asia Miles. Upon receiving such information from the Bank, Asia Miles Limited will credit the Asia Miles earned to the Referrer’s or the Referee’s Cathay membership account on or before the relevant fulfilment date as stated in the Additional Terms and Conditions in the Sections below.
Each of the Referrer and the Referee acknowledges that the Asia Miles rewarded shall be credited to his/her Cathay membership account associated with his / her Standard Chartered Cathay Mastercard based on the Bank’s record by Asia Miles Limited. The Bank will use its best endeavor to provide the necessary information to Asia Miles Limited to facilitate this purpose; however, the Bank makes no warranty that the Asia Miles earned will be accurately credited to the Cathay membership account by Asia Miles Limited and accepts no liability for failure or delay in the crediting of Asia Miles to the Referrer’s or the Referee’s Cathay membership account for any reason beyond the Bank’s control. The Bank accepts no liability relating to the Asia Miles, including but not limited to the expiry date, usage and redemption. For enquiries relating to crediting of the Asia Miles and the relevant terms and conditions, please contact Asia Miles Limited and/or refer to Asia Miles Limited website at cathaypacific.com
Terms and Conditions apply for redemption and/or use of Asia Miles. For details, please visit cathaypacific.com. The Bank is not obliged to notify the Referrer or the Referee of any changes or latest announcements of Asia Miles Limited. Each of the Referrer and the Referee understands and accepts that the Bank is not the supplier of the Cathay membership account, the Asia Miles and the redeemed items. The Bank shall bear no liability relating to any aspect of the Cathay membership account, the Asia Miles or the redeemed items, including without limitation, their quality, supply, descriptions of the Cathay membership account, the Asia Miles and the redeemed items provided by relevant supplier(s), false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Cathay membership account, the Asia Miles or the redeemed items provided by the relevant supplier(s), their respective employees, officers and/or agents. The use of the Cathay membership account, the Asia Miles and the redeemed items is subject to the term and conditions as stipulated by the relevant supplier(s).
The Referrer and the Referee shall ensure the accuracy and validity of the information provided to the Bank, including the Referral Code. Once the Referee’s application for the New Service(s) is submitted, the record cannot be amended.
In the case where, according to the Bank’s records, (a) any of the requirements in Clause 4 above is not met, (b) the Designated Application Link and/or the Referral Code of the Referrer cannot be successfully recorded in the Bank's system, (c) the Referral Code recorded is incorrect for whatever reasons, or (d) the information provided cannot be successfully reconciled in the Bank’s system or is otherwise incorrect or insufficient for the purpose of crediting the Referral Offer or the Referee Offer, the Referral Offer and/or the Referee Offer (as the case may be) will be forfeited at the Bank’s sole discretion without prior notice.
When the Referral Offer is credited to the Referrer and the Referee Offer is credited to the Referee, (i) the Referrer must continue to be an existing client of the Bank and maintain a valid deposit or credit card account with the Bank, (ii) the New Service(s) (except in the case of Marathon Savings Account) applied by the Referee must remain valid, and (iii) the relevant banking products and services maintained with the Bank by the Referrer or the Referee must remain valid, non-delinquent and in good financial standing; otherwise, the Bank has the right to forfeit the Referral Offer or the Referee Offer (as the case may be) without prior notice, and no other reward/offer will be provided to the Referrer or the Referee through any other means.
If more than one (1) Referrer refers the same Referee to the Bank during the Promotion Period, only one (1) Referrer will be eligible to the Referral Offer. Only the Referrer whose Referral Code is used by the Referee to make the application for the New Service(s) will be eligible to the Referral Offer. In the event of any dispute, the Bank shall have the sole and absolute discretion to determine which Referrer is eligible to the Referral Offer.
Referrers cannot refer themselves as Referees. Referrers and Referees who refer each other to sign up for any of the New Service(s) will not be eligible to the Referral Offer (except in the case of the Payroll SC Referral Club, MSA SC Referral Club and Standard Chartered Cathay Mastercard SC Referral Club, provided that the relevant eligibility requirements have been fulfilled). A Referee who has been successfully referred by a Referrer cannot be repeatedly referred by the same Referrer for the same product.
Each of the New Service(s) set out in these terms and conditions is subject to respective eligibility, application process and product terms and conditions and other applicable banking agreement.
The Bank shall have the sole and absolute discretion in determining the eligibility requirements of each of the New Service(s) set out in these terms and conditions, and approving any application for any New Service(s) by the Referee.
If the Referrer is entitled to the Referral Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referrer one of or part of the Referral Offer or other offers at its sole discretion. If the Referee is entitled to the Referee Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referee one of or part of the Referee Offer or other offers at its sole discretion.
The rewards under the Referral Offer and the Referee Offer cannot be transferred, returned, exchanged, or converted into other form of reward, bonus point or cash, unless otherwise specified.
The Bank reserves the right to vary, modify or terminate any of the SC Referral Club, and to amend any of these terms and conditions herein from time to time without prior notice. Any benefit, the Referral Offer or the Referee Offer for Successful Referral is subject to availability and the Bank may change such Referral Offer or Referee Offer at its sole discretion from time to time without notice.
The Referrer’s eligibility to the Referral Offer and the Referee’s eligibility to the Referee Offer, including but not limited to the calculation of the total number of Successful Referrals, the Referee’s Total Balance at the Bank, is to be determined by the Bank based on the Bank’s latest record.
Fraud and abuse will result in forfeiture of a Referrer or a Referee’s eligibility to participate in the SC Referral Club. In case there is any suspected abuse, misuse or fraud which shall be determined at the sole discretion of the Bank, the Bank reserves the absolute right to forfeit the Referrer or the Referee’s eligibility to participate in the SC Referral Club and/or entitlement to the Referral Offer or the Referee Offer (as the case may be) without prior notice.
In case of any disputes, the Bank’s decision and record shall be final and binding.
If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.

Additional Terms and Conditions for Standard Chartered Cathay Mastercard SC Referral Club (“Standard Chartered Cathay Mastercard SC Referral Club”)
Important Note: These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Standard Chartered Cathay Mastercard on Standard Chartered official website

Standard Chartered Cathay Mastercard refers to Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking or Standard Chartered Cathay Mastercard – Priority Private (each a “Standard Chartered Cathay Mastercard”).
For the Referrer to be eligible to participate in the Standard Chartered Cathay Mastercard SC Referral Club, the Referee must not currently hold and has not cancelled any principal card of Standard Chartered Cathay Mastercard issued by the Bank in the past 6 months from the date of approval of his/her current application for a principal card of the Standard Chartered Cathay Mastercard.

Upon fulfilment of all the following requirements, the referral will be considered as a “Successful Referral” and the Referrer will be entitled to cash rebate, Cash Back or Asia Miles in accordance with the table below (“Standard Chartered Cathay Mastercard Referral Offer”):

All the relevant requirements as set out in Section A above are fulfilled; and
Referee must successfully apply for a principal card of the Standard Chartered Cathay Mastercard through the Designated Application Link using the Referral Code during the Promotion Period; and

Referee must be issued with a principal card of the Standard Chartered Cathay Mastercard by the Bank by the date as specified in the table below.

Date of Card Application (both dates inclusive)	Date of Card Issuance
2 January 2025 to 31 March 2025	On or before 30 June 2025
1 April 2025 to 1 July 2025	On or before 30 September 2025

Standard Chartered Cathay Mastercard Referral Offer:

Total Number of Successful Referral(s) during the Promotion Period	Cash rebate/ CashBack (for each Successful Referral)		Asia Miles (for each Successful Referral)
1 – 20	HKD500	OR	5,000 Asia Miles

The Referrer can get an extra HKD100 cash rebate / Cash Back or 1,000 Asia Miles for each Successful Referral if the Referee successfully submits a valid application (as determined by the Bank in its sole discretion) through the Designated Application Link using the Referral Code for a principal card of the Standard Chartered Cathay Mastercard to the Bank during the period from 2 January 2025 to 31 March 2025 (both dates inclusive).
Each Referrer will only be entitled to the Standard Chartered Cathay Mastercard Referral Offer under the Standard Chartered Cathay Mastercard SC Referral Club for a maximum of 20 times only during the Promotion Period.

If the Referrer is entitled to cash rebate or CashBack, the Bank will credit the reward by the date as specified in the table below.

Date of Card Application (both dates inclusive)	Fulfilment Date
2 January 2025 to 31 March 2025	On or before 30 September 2025
1 April 2025 to 1 July 2025	On or before 31 December 2025

If the Referrer is entitled to Asia Miles, Asia Miles Limited will credit the Asia Miles rewarded to the Referrer’s Cathay membership account by the date as specified in the table below.

Date of Card Application (both dates inclusive)	Fulfilment Date
2 January 2025 to 31 March 2025	On or before 30 September 2025
1 April 2025 to 1 July 2025	On or before 31 December 2025

Standard Chartered Cathay Mastercard Referee Offer

In addition to the Standard Chartered Cathay Mastercard’s prevailing welcome offer(s) for New Cardholders, the Referee who is issued with a principal card of the Standard Chartered Cathay Mastercard by the date as stated in Clause 3(c) above through a Successful Referral is entitled to Asia Miles in accordance with the table below (“Standard Chartered Cathay Mastercard Referee Offer”):-

	Standard Chartered Cathay Mastercard Referee Offer
New Cardholders	10,000 Asia Miles
Existing Cardholders	5,000 Asia Miles

“New Cardholders” are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card in the past 6 months from the date of approval of their current application for a principal card of the Standard Chartered Cathay Mastercard.
“Existing Cardholders” are applicants who currently hold or have cancelled any principal card of Standard Chartered Credit Card, except for the Standard Chartered Cathay 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.
Each Referee will only be entitled to the Standard Chartered Cathay Mastercard Referee Offer once during the Promotion Period.
The Standard Chartered Cathay Mastercard Referee Offer will be credited to Referee’s Cathay membership accounts associated with their Standard Chartered Cathay Mastercard based on the Bank’s record.
Standard Chartered Cathay Mastercard’s prevailing welcome offer(s) is/are subject to relevant prevailing terms and conditions, please visit sc.com/hk/en/cathay for details.
Except for the Standard Chartered Cathay Mastercard’s prevailing welcome offer(s) for New Cardholders, both New Cardholders and Existing Cardholders cannot enjoy this Standard Chartered Cathay Mastercard Referee Offer in conjunction with any other offers for the successful application of the Standard Chartered Cathay Mastercard.

Asia Miles Limited will credit the Asia Miles rewarded to the Referee’s Cathay membership account during the period as set out below.

Date of Card Application (both dates inclusive)	Fulfilment Date
2 January 2025 to 31 March 2025	On or before 30 September 2025
1 April 2025 to 1 July 2025	On or before 31 December 2025

If the Referee who has already received the Standard Chartered Cathay Mastercard Referee Offer subsequently cancels the Standard Chartered Cathay Mastercard within one year from the date of its issuance, the Bank reserves the right to charge against the cost equivalent to the value of the Standard Chartered Cathay Mastercard Referee Offer.

Terms & Conditions

General Terms and Conditions for SC Referral Club

Unless otherwise specified, the promotion period is from 2 January 2025 to 1 July 2025, both dates inclusive (the “Promotion Period”).
The SC Referral Club consists of the following:-
1. Priority Private SC Referral Club;
2. Priority Banking SC Referral Club;
3. Premium Banking SC Referral Club;
4. Easy Banking SC Referral Club;
5. Payroll SC Referral Club;
6. MSA SC Referral Club;
7. Standard Chartered Cathay Mastercard SC Referral Club; and
8. Smart Card SC Referral Club.
9. Securities Account SC Referral Club
10. Personal Loan SC Referral Club.
Additional terms and conditions apply to each SC Referral Club. There may be additional requirements to be fulfilled under each SC Referral Club. Please refer to the Sections below for details. Additional Terms and Conditions of each SC Referral Club should be read together with these General Terms and Conditions, as well as any prevailing terms applicable to your banking relationship with Standard Chartered Bank (Hong Kong) Limited (the “Bank”).
To be eligible to participate in the SC Referral Club, the referrer (“Referrer”) must be an existing client of the Bank and hold atleast one (1) valid deposit account (as primary account holder in the case of joint account), or one (1) valid credit card (as principalcard cardholder) issued by, the Bank. Business Banking clients, Private Bank clients, and staff of the Bank are not eligible as a Referrer under the SC Referral Club.
For a Referrer to enjoy a Referral Offer, the Referrer must make a successful referral of an individual (“Referee”) to sign up for any New Service(s) during the Promotion Period with the following requirements having been fulfilled (“Successful Referral”):
1. the Referrer shall share with the Referee a designated link for application (“Designated Application Link”) with the referral code (“Referral Code”) embedded via SC Mobile during the Promotion Period.
2. the Referee shall apply for any New Service(s) with the Bank using such Referral link during the Promotion Period; and
3. additional requirements specified in the Additional Terms and Conditions of each SC Referral Club in the Sections below are fulfilled.
“Referral Offer” refers to an offer in each SC Referral Club under which a Referrer will be entitled to upon fulfilment of the requirements in the relevant terms and conditions, including the Priority Private Referral Offer, Priority Banking Referral Offer, Premium Banking Referral Offer, Easy Banking Referral Offer, Payroll Referral Offer, MSA Referral Offer, Standard Chartered Cathay Mastercard Referral Offer, Smart Card Referral Offer, Securities Referral Offer and Personal Loan Referral Offer.
“Referee Offer” refers to an offer in the Standard Chartered Cathay Mastercard SC Referral Club and the Smart Card SC Referral Club under which a Referee will be entitled to upon fulfilment of the requirements in the relevant terms and conditions, including the Standard Chartered Cathay Mastercard Referee Offer, the Smart Card Referee Offer and the Personal Loan Referee Offer.
“New Service(s)” refers to newly applied Priority Private, Priority Banking, Premium Banking, Easy Banking, Bonus Payroll Account, Marathon Savings Account, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private, Smart Credit Card, new Securities Account and Personal Loan with the Bank.

Product(s) held by the Referrer	Form of Referral Offer
Deposit account(s) (sole name or joint deposit account in the capacity as primary account holder) only	Cash rebate
Deposit account(s) (sole name or joint deposit account in the capacity as primary account holder) and any Standard Chartered Credit Card(s)	Cash rebate
Standard Chartered Cathay Mastercard only^	Asia Miles / CashBack*
One or more Standard Chartered Credit Card(s)#, ^	CashBack

“Standard Chartered Credit Cards” refer to Standard Chartered Credit Card, Standard Chartered Co-branded Card, MANHATTAN Credit Card and MANHATTAN Co-branded Card issued by the Bank, including supplementary cards, Standard Chartered Business Card and Standard Chartered Corporate Card.
In respect of fulfilment of cash rebate, the Bank will credit the cash rebate to the HKD deposit account (excluding Marathon Savings Account, Wealth Saver Account, MortgageOne® Account and Mortgage Saver Current Account) held by (in the case of the Referral Offer) the Referrer or (in the case of the Referee Offer) the Referee in sole name:
1. Sub-account under Integrated Deposits Account;
2. Current Account;
3. Statement Savings; and
4. Passbook Savings.
If the Referrer or the Referee has no valid HKD deposit account in sole name, the Bank will credit the Cash rebate to the Referrer’s or the Referee’s HKD joint deposit account in the capacity as primary account holder in the above sequence. If the Referrer or the Referee has no valid HKD deposit account, the Bank will credit to the Referrer’s or the Referee’s USD deposit account at an exchange rate determined by the Bank at its sole discretion in the above sequence.

If Referrer or the Referee has more than one account under same account type, the Bank will select any one of the accounts with the latest account opening date for the crediting at its discretion. If the Referrer or the Referee does not have any account as stated above on the date when the cash rebate is to be credited, the cash rebate shall be forfeited absolutely at the Bank’s sole discretion and shall not be paid to the Referrer or the Referee through any other means.
In respect of fulfilment of CashBack, the CashBack will be shown on the 360° Rewards Redemption Platform and will not be automatically credited to (in the case of the Referral Offer) the Referrer’s or (in the case of the Referee Offer) the Referee’s credit card account but can be freely redeemed for CashBack under the online catalogue of the platform. The CashBack will be given in Hong Kong dollars and the minimum threshold for CashBack redemption is HKD50 per account redemption. For details, please refer to the section named “CashBack Redemption" under the Terms and Conditions for Points Redemption.
In respect of fulfilment of Asia Miles, (in the case of the Referral Offer) the Referrer or (in the case of the Referee Offer) the Referee must have a valid Cathay membership account on the Bank’s record. The Bank will provide the relevant information of the Referrer’s or the Referee’s Cathay membership account, including family name, given name, membership number and the number of Asia Miles rewarded to Asia Miles Limited for the crediting of the Asia Miles. Upon receiving such information from the Bank, Asia Miles Limited will credit the Asia Miles earned to the Referrer’s or the Referee’s Cathay membership account on or before the relevant fulfilment date as stated in the Additional Terms and Conditions in the Sections below.
Each of the Referrer and the Referee acknowledges that the Asia Miles rewarded shall be credited to his/her Cathay membership account associated with his / her Standard Chartered Cathay Mastercard based on the Bank’s record by Asia Miles Limited. The Bank will use its best endeavor to provide the necessary information to Asia Miles Limited to facilitate this purpose; however, the Bank makes no warranty that the Asia Miles earned will be accurately credited to the Cathay membership account by Asia Miles Limited and accepts no liability for failure or delay in the crediting of Asia Miles to the Referrer’s or the Referee’s Cathay membership account for any reason beyond the Bank’s control. The Bank accepts no liability relating to the Asia Miles, including but not limited to the expiry date, usage and redemption. For enquiries relating to crediting of the Asia Miles and the relevant terms and conditions, please contact Asia Miles Limited and/or refer to Asia Miles Limited website at cathaypacific.com
Terms and Conditions apply for redemption and/or use of Asia Miles. For details, please visit cathaypacific.com. The Bank is not obliged to notify the Referrer or the Referee of any changes or latest announcements of Asia Miles Limited. Each of the Referrer and the Referee understands and accepts that the Bank is not the supplier of the Cathay membership account, the Asia Miles and the redeemed items. The Bank shall bear no liability relating to any aspect of the Cathay membership account, the Asia Miles or the redeemed items, including without limitation, their quality, supply, descriptions of the Cathay membership account, the Asia Miles and the redeemed items provided by relevant supplier(s), false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Cathay membership account, the Asia Miles or the redeemed items provided by the relevant supplier(s), their respective employees, officers and/or agents. The use of the Cathay membership account, the Asia Miles and the redeemed items is subject to the term and conditions as stipulated by the relevant supplier(s).
The Referrer and the Referee shall ensure the accuracy and validity of the information provided to the Bank, including the Referral Code. Once the Referee’s application for the New Service(s) is submitted, the record cannot be amended.
In the case where, according to the Bank’s records, (a) any of the requirements in Clause 4 above is not met, (b) the Designated Application Link and/or the Referral Code of the Referrer cannot be successfully recorded in the Bank's system, (c) the Referral Code recorded is incorrect for whatever reasons, or (d) the information provided cannot be successfully reconciled in the Bank’s system or is otherwise incorrect or insufficient for the purpose of crediting the Referral Offer or the Referee Offer, the Referral Offer and/or the Referee Offer (as the case may be) will be forfeited at the Bank’s sole discretion without prior notice.
When the Referral Offer is credited to the Referrer and the Referee Offer is credited to the Referee, (i) the Referrer must continue to be an existing client of the Bank and maintain a valid deposit or credit card account with the Bank, (ii) the New Service(s) (except in the case of Marathon Savings Account) applied by the Referee must remain valid, and (iii) the relevant banking products and services maintained with the Bank by the Referrer or the Referee must remain valid, non-delinquent and in good financial standing; otherwise, the Bank has the right to forfeit the Referral Offer or the Referee Offer (as the case may be) without prior notice, and no other reward/offer will be provided to the Referrer or the Referee through any other means.
If more than one (1) Referrer refers the same Referee to the Bank during the Promotion Period, only one (1) Referrer will be eligible to the Referral Offer. Only the Referrer whose Referral Code is used by the Referee to make the application for the New Service(s) will be eligible to the Referral Offer. In the event of any dispute, the Bank shall have the sole and absolute discretion to determine which Referrer is eligible to the Referral Offer.
Referrers cannot refer themselves as Referees. Referrers and Referees who refer each other to sign up for any of the New Service(s) will not be eligible to the Referral Offer (except in the case of the Payroll SC Referral Club, MSA SC Referral Club and Standard Chartered Cathay Mastercard SC Referral Club, provided that the relevant eligibility requirements have been fulfilled). A Referee who has been successfully referred by a Referrer cannot be repeatedly referred by the same Referrer for the same product.
Each of the New Service(s) set out in these terms and conditions is subject to respective eligibility, application process and product terms and conditions and other applicable banking agreement.
The Bank shall have the sole and absolute discretion in determining the eligibility requirements of each of the New Service(s) set out in these terms and conditions, and approving any application for any New Service(s) by the Referee.
If the Referrer is entitled to the Referral Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referrer one of or part of the Referral Offer or other offers at its sole discretion. If the Referee is entitled to the Referee Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referee one of or part of the Referee Offer or other offers at its sole discretion.
The rewards under the Referral Offer and the Referee Offer cannot be transferred, returned, exchanged, or converted into other form of reward, bonus point or cash, unless otherwise specified.
The Bank reserves the right to vary, modify or terminate any of the SC Referral Club, and to amend any of these terms and conditions herein from time to time without prior notice. Any benefit, the Referral Offer or the Referee Offer for Successful Referral is subject to availability and the Bank may change such Referral Offer or Referee Offer at its sole discretion from time to time without notice.
The Referrer’s eligibility to the Referral Offer and the Referee’s eligibility to the Referee Offer, including but not limited to the calculation of the total number of Successful Referrals, the Referee’s Total Balance at the Bank, is to be determined by the Bank based on the Bank’s latest record.
Fraud and abuse will result in forfeiture of a Referrer or a Referee’s eligibility to participate in the SC Referral Club. In case there is any suspected abuse, misuse or fraud which shall be determined at the sole discretion of the Bank, the Bank reserves the absolute right to forfeit the Referrer or the Referee’s eligibility to participate in the SC Referral Club and/or entitlement to the Referral Offer or the Referee Offer (as the case may be) without prior notice.
In case of any disputes, the Bank’s decision and record shall be final and binding.
If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.

Additional Terms and Conditions for Smart Credit Card SC Referral Club (“Smart Card SC Referral Club")
Important Note: These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Standard Chartered Smart Credit Card on Standard Chartered official website

For the Referrer to be eligible to participate in the Smart Card SC Referral Club, the Referee must not currently hold and has not cancelled any principal card of Standard Chartered Credit Card issued by the Bank in the past 6 months from the date of approval of his/her current application for aex principal card of the Standard Chartered Smart Credit Card ( “Smart Card”).

Upon fulfilment of all the following requirements, the referral will be considered as a “Successful Referral” and the Referrer will beentitled to cash rebate, Cash Back or Asia Miles in accordance with the table below (“Smart Card Referral Offer”):

All the relevant requirements as set out in Section A above are fulfilled; and
Referee must successfully apply for a principal card of the Smart Card through the Designated Application Link using the Referral Code during the Promotion Period; and

Referee must be issued with a principal card of the Smart Card by the Bank by the date as specified in the table below.

Date of Card Application (both dates inclusive)	Date of Card Issuance
2 January 2025 to 31 March 2025	On or before 30 June 2025
1 April 2025 to 1 July 2025	On or before 30 September 2025

Smart Card Referral Offer:

Total Number of Successful Referral(s) during the Promotion Period	Cash rebate/ CashBack (for each Successful Referral)		Asia Miles (for each Successful Referral)
1 – 20	HKD500	OR	5,000 Asia Miles

The Referrer can get an extra HKD100 cash rebate / Cash Back or 1,000 Asia Miles for each Successful Referral if the Referee successfully submits a valid application (as determined by the Bank in its sole discretion) through the Designated Application Link using the Referral Code for a principal card of the Standard Chartered Smart Card to the Bank during the period from 2 January 2025 to 31 March 2025 (both dates inclusive).
Each Referrer will only be entitled to rewards for each Successful Referral under the Smart Card Referral Offer for a maximum of 20 times only during the Promotion Period, despite the number of Successful Referrals having exceeded 20 times.

If the Referrer is entitled to cash rebate or CashBack, the Bank will credit the reward by the date as specified in the table below.

Date of Card Application (both dates inclusive)	Fulfilment Date
2 January 2025 to 31 March 2025	On or before 30 September 2025
1 April 2025 to 1 July 2025	On or before 31 December 2025

If the Referrer is entitled to Asia Miles, Asia Miles Limited will credit the Asia Miles rewarded to the Referrer’s Cathaymembership account by the date as specified in the table below.

Date of Card Application (both dates inclusive)	Fulfilment Date
2 January 2025 to 31 March 2025	On or before 30 September 2025
1 April 2025 to 1 July 2025	On or before 31 December 2025

Smart Card Referee Offer

In addition to the Smart Card’s prevailing welcome offer(s) for New Cardholders, the Referee who is issued with a principal card of the Smart Card by the date as stated in Clause 2(c) above through a Successful Referral is entitled to CashBack in accordance with the table below (“Smart Card Referee Offer”):-

	Smart Card Referee Offer
New Cardholders	HKD900 CashBack

“New Cardholders” are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card issued by the Bank in the past 6 months from the date of approval of their current application for a principal card of the Smart Card.
Each Referee will only be entitled to the Smart Card Referee Offer once during the Promotion Period.
The Smart Card’s prevailing welcome offer(s) is/are subject to relevant prevailing terms and conditions, please visit sc.com/hk/credit-cards/smart/ for details.
Except for the Smart Card’s prevailing welcome offer(s) for New Cardholders, New Cardholders cannot enjoy this Smart Card Referee Offer in conjunction with any other offers for the successful application of the Smart Card.

The CashBack under the Smart Card Referee Offer will be credited to the 360° Rewards Redemption by the date as specified in the table below.

Date of Card Application (both dates inclusive)	Fulfilment Date
2 January 2025 to 31 March 2025	On or before 30 September 2025
1 April 2025 to 1 July 2025	On or before 31 December 2025

If the Referee who has already received the Smart Card Referee Offer subsequently cancels the Smart Card within one year from the date of its issuance, the Bank reserves the right to charge against the cost equivalent to the value of the Smart Card Referee Offer.

Terms & Conditions

General Terms and Conditions for SC Referral Club

The promotion period is from 2 January 2025 to 1 July 2025, both dates inclusive (the “Promotion Period”).
The SC Referral Club consists of the following:-
1. Priority Private SC Referral Club;
2. Priority Banking SC Referral Club;
3. Premium Banking SC Referral Club;
4. Easy Banking SC Referral Club;
5. Payroll SC Referral Club;
6. MSA SC Referral Club;
7. Standard Chartered Cathay Mastercard SC Referral Club; and
8. Smart Card SC Referral Club.
9. Securities Account SC Referral Club
10. Personal Loan SC Referral Club.
Additional terms and conditions apply to each SC Referral Club. There may be additional requirements to be fulfilled under each SC Referral Club. Please refer to the Sections below for details. Additional Terms and Conditions of each SC Referral Club should be read together with these General Terms and Conditions, as well as any prevailing terms applicable to your banking relationship with Standard Chartered Bank (Hong Kong) Limited (the “Bank”).
To be eligible to participate in the SC Referral Club, the referrer (“Referrer”) must be an existing client of the Bank and hold at least one (1) valid deposit account (as primary account holder in the case of joint account), or one (1) valid credit card (as principal card cardholder) issued by, the Bank. Business Banking clients, Private Bank clients, and staff of the Bank are not eligible as a Referrer under the SC Referral Club.
For a Referrer to enjoy a Referral Offer, the Referrer must make a successful referral of an individual (“Referee”) to sign up for any New Service(s) during the Promotion Period with the following requirements having been fulfilled (“Successful Referral”):
1. the Referrer shall share with the Referee a designated link for application (“Designated Application Link”) with the referral code (“Referral Code”) embedded via SC Mobile during the Promotion Period.
2. the Referee shall apply for any New Service(s) with the Bank using such Referral link during the Promotion Period; and
3. additional requirements specified in the Additional Terms and Conditions of each SC Referral Club in the Sections below are fulfilled.
“Referral Offer” refers to an offer in each SC Referral Club under which a Referrer will be entitled to upon fulfilment of the requirements in the relevant terms and conditions, including the Priority Private Referral Offer, Priority Banking Referral Offer, Premium Banking Referral Offer, Easy Banking Referral Offer, Payroll Referral Offer, MSA Referral Offer, Standard Chartered Cathay Mastercard Referral Offer, Smart Card Referral Offer, Securities Referral Offer and Personal Loan Referral Offer.
“Referee Offer” refers to an offer in the Standard Chartered Cathay Mastercard SC Referral Club and the Smart Card SC Referral Club under which a Referee will be entitled to upon fulfilment of the requirements in the relevant terms and conditions, including the Standard Chartered Cathay Mastercard Referee Offer, the Smart Card Referee Offer and the Personal Loan Referee Offer.
“New Service(s)” refers to newly applied Priority Private, Priority Banking, Premium Banking, Easy Banking, Bonus Payroll Account, Marathon Savings Account, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private, Smart Credit Card, new Securities Account and Personal Loan with the Bank.

Product(s) held by the Referrer	Form of Referral Offer
Deposit account(s) (sole name or joint deposit account in the capacity as primary account holder) only	Cash rebate
Deposit account(s) (sole name or joint deposit account in the capacity as primary account holder) and any Standard Chartered Credit Card(s)	Cash rebate
Standard Chartered Cathay Mastercard only^	Asia Miles / CashBack*
One or more Standard Chartered Credit Card(s)#, ^	CashBack

“Standard Chartered Credit Cards” refer to Standard Chartered Credit Card, Standard Chartered Co-branded Card, MANHATTAN Credit Card and MANHATTAN Co-branded Card issued by the Bank, including supplementary cards, Standard Chartered Business Card and Standard Chartered Corporate Card
In respect of fulfilment of cash rebate, the Bank will credit the cash rebate to the HKD deposit account (excluding Marathon Savings Account, Wealth Saver Account, MortgageOne® Account and Mortgage Saver Current Account) held by (in the case of the Referral Offer) the Referrer or (in the case of the Referee Offer) the Referee in sole name:
1. Sub-account under Integrated Deposits Account;
2. Current Account;
3. Statement Savings; and
4. Passbook Savings.
If the Referrer or the Referee has no valid HKD deposit account in sole name, the Bank will credit the Cash rebate to the Referrer’s or the Referee’s HKD joint deposit account in the capacity as primary account holder in the above sequence. If the Referrer or the Referee has no valid HKD deposit account, the Bank will credit to the Referrer’s or the Referee’s USD deposit account at an exchange rate determined by the Bank at its sole discretion in the above sequence.

If Referrer or the Referee has more than one account under same account type, the Bank will select any one of the accounts with the latest account opening date for the crediting at its discretion. If the Referrer or the Referee does not have any account as stated above on the date when the cash rebate is to be credited, the cash rebate shall be forfeited absolutely at the Bank’s sole discretion and shall not be paid to the Referrer or the Referee through any other means.
In respect of fulfilment of CashBack, the CashBack will be shown on the 360° Rewards Redemption Platform and will not be automatically credited to (in the case of the Referral Offer) the Referrer’s or (in the case of the Referee Offer) the Referee’s credit card account but can be freely redeemed for CashBack under the online catalogue of the platform. The CashBack will be given in Hong Kong dollars and the minimum threshold for CashBack redemption is HKD50 per account redemption. For details, please refer to the section named “CashBack Redemption" under the Terms and Conditions for Points Redemption.
In respect of fulfilment of Asia Miles, (in the case of the Referral Offer) the Referrer or (in the case of the Referee Offer) the Referee must have a valid Cathay membership account on the Bank’s record. The Bank will provide the relevant information of the Referrer’s or the Referee’s Cathay membership account, including family name, given name, membership number and the number of Asia Miles rewarded to Asia Miles Limited for the crediting of the Asia Miles. Upon receiving such information from the Bank, Asia Miles Limited will credit the Asia Miles earned to the Referrer’s or the Referee’s Cathay membership account on or before the relevant fulfilment date as stated in the Additional Terms and Conditions in the Sections below.
Each of the Referrer and the Referee acknowledges that the Asia Miles rewarded shall be credited to his/her Cathay membership account associated with his / her Standard Chartered Cathay Mastercard based on the Bank’s record by Asia Miles Limited. The Bank will use its best endeavor to provide the necessary information to Asia Miles Limited to facilitate this purpose; however, the Bank makes no warranty that the Asia Miles earned will be accurately credited to the Cathay membership account by Asia Miles Limited and accepts no liability for failure or delay in the crediting of Asia Miles to the Referrer’s or the Referee’s Cathay membership account for any reason beyond the Bank’s control. The Bank accepts no liability relating to the Asia Miles, including but not limited to the expiry date, usage and redemption. For enquiries relating to crediting of the Asia Miles and the relevant terms and conditions, please contact Asia Miles Limited and/or refer to Asia Miles Limited website at cathaypacific.com
Terms and Conditions apply for redemption and/or use of Asia Miles. For details, please visit cathaypacific.com. The Bank is not obliged to notify the Referrer or the Referee of any changes or latest announcements of Asia Miles Limited. Each of the Referrer and the Referee understands and accepts that the Bank is not the supplier of the Cathay membership account, the Asia Miles and the redeemed items. The Bank shall bear no liability relating to any aspect of the Cathay membership account, the Asia Miles or the redeemed items, including without limitation, their quality, supply, descriptions of the Cathay membership account, the Asia Miles and the redeemed items provided by relevant supplier(s), false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Cathay membership account, the Asia Miles or the redeemed items provided by the relevant supplier(s), their respective employees, officers and/or agents. The use of the Cathay membership account, the Asia Miles and the redeemed items is subject to the term and conditions as stipulated by the relevant supplier(s).
The Referrer and the Referee shall ensure the accuracy and validity of the information provided to the Bank, including the Referral Code. Once the Referee’s application for the New Service(s) is submitted, the record cannot be amended.
In the case where, according to the Bank’s records, (a) any of the requirements in Clause 4 above is not met, (b) the Designated Application Link and/or the Referral Code of the Referrer cannot be successfully recorded in the Bank's system, (c) the Referral Code recorded is incorrect for whatever reasons, or (d) the information provided cannot be successfully reconciled in the Bank’s system or is otherwise incorrect or insufficient for the purpose of crediting the Referral Offer or the Referee Offer, the Referral Offer and/or the Referee Offer (as the case may be) will be forfeited at the Bank’s sole discretion without prior notice.
When the Referral Offer is credited to the Referrer and the Referee Offer is credited to the Referee, (i) the Referrer must continue to be an existing client of the Bank and maintain a valid deposit or credit card account with the Bank, (ii) the New Service(s) (except in the case of Marathon Savings Account) applied by the Referee must remain valid, and (iii) the relevant banking products and services maintained with the Bank by the Referrer or the Referee must remain valid, non-delinquent and in good financial standing; otherwise, the Bank has the right to forfeit the Referral Offer or the Referee Offer (as the case may be) without prior notice, and no other reward/offer will be provided to the Referrer or the Referee through any other means.
If more than one (1) Referrer refers the same Referee to the Bank during the Promotion Period, only one (1) Referrer will be eligible to the Referral Offer. Only the Referrer whose Referral Code is used by the Referee to make the application for the New Service(s) will be eligible to the Referral Offer. In the event of any dispute, the Bank shall have the sole and absolute discretion to determine which Referrer is eligible to the Referral Offer.
Referrers cannot refer themselves as Referees. Referrers and Referees who refer each other to sign up for any of the New Service(s) will not be eligible to the Referral Offer (except in the case of the Payroll SC Referral Club, MSA SC Referral Club and Standard Chartered Cathay Mastercard SC Referral Club, provided that the relevant eligibility requirements have been fulfilled). A Referee who has been successfully referred by a Referrer cannot be repeatedly referred by the same Referrer for the same product.
Each of the New Service(s) set out in these terms and conditions is subject to respective eligibility, application process and product terms and conditions and other applicable banking agreement.
The Bank shall have the sole and absolute discretion in determining the eligibility requirements of each of the New Service(s) set out in these terms and conditions, and approving any application for any New Service(s) by the Referee.
If the Referrer is entitled to the Referral Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referrer one of or part of the Referral Offer or other offers at its sole discretion. If the Referee is entitled to the Referee Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referee one of or part of the Referee Offer or other offers at its sole discretion.
The rewards under the Referral Offer and the Referee Offer cannot be transferred, returned, exchanged, or converted into other form of reward, bonus point or cash, unless otherwise specified.
The Bank reserves the right to vary, modify or terminate any of the SC Referral Club, and to amend any of these terms and conditions herein from time to time without prior notice. Any benefit, the Referral Offer or the Referee Offer for Successful Referral is subject to availability and the Bank may change such Referral Offer or Referee Offer at its sole discretion from time to time without notice.
The Referrer’s eligibility to the Referral Offer and the Referee’s eligibility to the Referee Offer, including but not limited to the calculation of the total number of Successful Referrals, the Referee’s Total Balance at the Bank, is to be determined by the Bank based on the Bank’s latest record.
Fraud and abuse will result in forfeiture of a Referrer or a Referee’s eligibility to participate in the SC Referral Club. In case there is any suspected abuse, misuse or fraud which shall be determined at the sole discretion of the Bank, the Bank reserves the absolute right to forfeit the Referrer or the Referee’s eligibility to participate in the SC Referral Club and/or entitlement to the Referral Offer or the Referee Offer (as the case may be) without prior notice.
In case of any disputes, the Bank’s decision and record shall be final and binding.
If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.

Additional Terms and Conditions for Standard Chartered Personal Loan SC Referral Club (“Personal Loan SC Referral Club”)
Important Note: These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Standard Chartered Personal Loan on the Bank’s official website.

Upon fulfilment of all the following requirements, the referral will be considered as a “Successful Referral” and the Referrer will be entitled to cash rebate or Cash Back in accordance with the table below (“Personal Loan Referral Offer”):

All the relevant requirements as set out in Section A above are fulfilled; and
Referee must successfully apply for a Personal Instalment Loan or Debt Consolidation Loan of at least HK$200,000 with tenor of 36 months or above (the “Personal Loan”) with the Bank and drawdown such Personal Loan within 3 months from the application date; and
Referee must successfully apply for the Personal Loan through the Designated Application Link using the Referral Code during the Promotion Period; and
Referee must drawdown such Personal Loan from the Bank on or before 31 March 2025.

Total Number of Successful Referral(s) during the Promotion Period	Cash rebate/ CashBack (for each Successful Referral)
1 – 10	HKD1,000

Each Referrer will only be entitled to the Personal Loan Referral Offer under the Personal Loan SC Referral Club for a maximum of 10 times only during the Promotion Period.
If the Referrer is entitled to cash rebate or CashBack, the Bank will credit the reward on or before 30 June 2025.

Personal Loan Referee Offer

The Referee who drawdowns the Personal Loan on or before 31 March 2025 and within 3 months from the application date through a Successful Referral is entitled to cash rebate in accordance with the table below (“Personal Loan Referee Offer”):-

	Personal Loan Referee Offer
Referee	HKD1,000 cash rebate

Each Referee will only be entitled to the Personal Loan Referee Offer once during the Promotion Period.
Except for the Personal Loan’s prevailing welcome offer(s) for New Clients, the Referee cannot enjoy this Personal Loan Referee Offer in conjunction with any other offers for the successful application of the Personal Loan. “New Clients” refer to applicants who are not holding any loans and/or credit cards issued by the Bank at the time of the loan application.
The Personal Loan’s prevailing welcome offer(s) for New Clients is/are subject to relevant prevailing terms and conditions, please visit sc.com/hk/loans/personal-instalment-loan/ for details.
The cash rebate under the Personal Loan Referee Offer will be credited to the Referee on or before 30 June 2025.
If the Referee does not hold a valid deposit account as stated in Clause [10] of Part A (General Terms and Conditions for SC Referral Club) above, the Bank will credit the cash rebate to the Referee’s personal loans repayment account on the Bank’s record at the time when cash rebate is credited.

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