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Terms and Conditions: Apple Offer- 5% cash back – 18 month EMI- POS

  1. Definitions
  • Bank: Standard Chartered Bank India.
  • Offer: 5% cash back on purchase of the select apple products through EMI (kuch bhi on EMI) offer on 18 months tenure, (Interest rate of 15% PA) using standard chartered credit card.
  • Offer Period: The offer period shall commence from 00:01 hours on 11 Jun 2018 and shall extend up to 23:59 hours on 30 September 2018
  • Qualified Client: The standard chartered credit cardholder who avails an EMI for 18 months tenure at POS (point of sale), for purchase of select apple devices.
  1. Offer Details
    • The offer shall be applicable on the following apple devices:-
      • iPhone X, iPhone 8 plus, iPhone 8,iPhone 7 plus, iPhone 7
    • The offer is applicable only on the EMI transactions for 18 months.
    • The EMI request has to be placed at point of sale, from where the device is bought. Customer will not be eligible for cash back in case the EMI request is placed from other channels.
    • The offer can be availed from Apple stores www.indiaistore.com.
    • The cardholder shall be billed with EMI based on the transaction amount, as under:
Product Price** Actual EMI billed 18mths @15%)*** StanC cash back Monthly cost for Stanc cardholders*
iPhone X 95390 5951 4770 5334
iPhone 8 plus 77560 4839 3878 4384
iPhone 8 67940 4238 3397 3810
iPhone 7 Plus 62840 3920 3142 3424
iPhone 7 52370 3267 2619 2854
  • *the monthly cost depicted above is post considering the cashback. The actual EMI amount billed to the customer shall be higher.
  •  **Actual price of the product may vary.
  • ***GST shall be applicable on the interest portion of EMI
    • The aforesaid offer can be availed 2 times during the offer period.
    • Offer is only applicable on the EMI transactions.
    • Non Eligibility: NRE Account Holders will not be eligible for the Cashback
    • The offer is applicable for purchases made across all authorised Apple stores only on Pine Labs enabled PoS terminals
    • Cardholders are requested to preserve the chargeslip copy of their transaction until cashback is reflected into their individual account
    • Offer not applicable on Online purchases.
    • Eligible cash back amount will be printed on the transaction charge slip. Any transaction wherein the charge slip does not reflect the cash back amount will not qualify for the Offer
  1. General Terms and Conditions
    • The Bank reserves the right to modify/change all or any of the terms applicable to this offer. The Bank also reserves the right to modify, withdraw or discontinue the offer without assigning any reasons whatsoever. Neither anything contained in these terms and conditions, nor shall running this offer be construed as an obligation on the Bank to continue the offer up to the termination/expiry date
    • Participation in this offer is entirely voluntary and it is agreed and understood by the participants that participation shall be deemed to have been made on a voluntary basis
    • The offer is non-transferable
    • The offer shall not be available wherever it is prohibited under law and/or cannot be made for any reason whatsoever
    • All disputes under this offer are subject to the exclusive jurisdiction of the competent courts/tribunals of Mumbai
    • The Bank shall not be obliged to make any public announcements of the results of the offer. In all matters relating to this offer, the decision of the Bank shall be final and binding
    • By participating in the offer, the participants agree to be bound by the terms and conditions contained herein.

Kuch Bhi on Emi – Terms and Conditions

  1. This is a special promotional offer to select card members only. The card members are selected solely at the discretion of Standard Chartered Bank (The Bank). The Bank may or may not come out with such offers in the future at its discretion.
  2. After availing of the loan, It is deemed as your unconditional acceptance of the terms and conditions mentioned herein and you will be bound by the same.
  3. The EMI and the applicable GST on the interest amount of EMI, will be added to your minimum amount due every month, and will attract penal charges in case the minimum amount due is not paid in full by the mentioned payment due date. If the amount outstanding (including the EMI) were to exceed the credit limit, you would be liable to pay over limit charges as applicable. Tenure confirmed at the time of applying cannot be changed. The interest is calculated using the reducing balance method.
    • EMI = Principal Amount + Interest Amount
    • Monthly Loan Repayment = EMI + GST on Interest amount of EMI.
    • Effective 1-Ju17-2017, GST is 18%, subject to change and will be applicable as per Govt. regulations
  4. Changes to Terms and Conditions:
    • We will inform you of any changes to terms and conditions through any of the following channels:-
      • Account statements
      • ATMs
      • Notice board at each branch of the Bank
      • Internet including e-mail and website
      • Newspaper
    • Normally changes will be done with prospective effect giving notice of one month
    • Any changes in the terms and conditions will be communicated to you within 30 days of the effective date of revision, failing which you may within 60 days of your receipt of the revised terms and conditions close your account without any additional charges in case the revised terms and conditions are unfavorable to you.
    • If we have made a major change or a lot of minor changes in any one year, we will, at your request give you a copy of new terms and conditions or a summary of changes
  5. The Bank reserves the right to foreclose the offer and debit the entire outstanding amount if any payment is overdue.
  6. A separate account would be set up for this offer. The account number would reflect on your card statement and you are requested to make your payment towards each of your accounts In case you are making a payment towards the outstanding of multiple card accounts via a single cheque/DD, then the same may be drawn in favour of any one of your account numbers, with a clear instruction on the reverse of the cheque/DD for allocation of payment to the respective accounts.
  7. Unless explicitly specified, any loan amount that has been approved against your credit card is a part of your credit card limit. In such a case, your credit card limit would be blocked to the extent of the outstanding principal of the loan taken against the credit card. As and when you repay your monthly EMI/amount applicable, your available credit limit would increase by the amount of principal paid off.
  8. The ‘Available Credit Limit’ displayed in your monthly statement also factors all outstandings pertaining to balance transfers, advances and any unpaid principal amount on your EMI loan
  9. Participants will not hold Standard Chartered Bank responsible for or liable for any actions, claims, demands, losses, damages, costs, charges which a participant might suffer, sustain, or incur by way of this scheme.
  10. If your Standard Chartered Bank credit card is closed before all installments have been charged or if your EMI account is pre-closed, the offer amount outstanding together with the pre-closure charges (if applicable) would be debited as one consolidated amount to your credit card. Thereafter, this will be considered to be an outstanding on your card account and will attract financial charges (as per the T&C governing the credit card) should there be partial / no payment against the same.
  11. Nothing contained herein shall prejudice or affect the terms and conditions of the Card Member agreement. The terms of this agreement shall be in addition to and not in derogation of the terms contained in the Bank’s Card Member Rules and Regulations.
  12. In case of card renewal / upgrade , if the new card is out for delivery and  undelivered  which leads to deactivation /cancellation , the EMI account will be closed and the client will be liable to pay the complete outstanding as per the statement with the pre-closure  and associated charges
  13. In the event you do not agree to the details of the offer, rate of interest, applicable charges, or the terms and conditions herein, you are required to call the Bank’s help line and cancel the offer within 15 days from the date of set up of offer, failing which you shall have deemed to have accepted the offer and the terms and conditions herein and be liable to pay interest on the amount disbursed from the date of the set up of offer. If the request for closure is made after 15 days of the conversion, processing fee (PF) charged at the time of booking shall not be refunded back.
  14. To pre-close your EMI account, please call the helpline numbers.