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Terms and Conditions

Relationship Rewards

1. To earn 360° Rewards Points in the Total Relationship Rewards you need to charge at least one retail transaction to your Standard Chartered Priority Banking Visa Infinite Credit Card each month.
   
2. The 360° Rewards Points will be credited into your Standard Chartered Priority Banking Visa Infinite Credit Card monthly. However, if you are delinquent on your Standard Chartered Priority Banking Visa Infinite Credit Card or if it is terminated, you will not qualify for 360° Rewards Points on your Standard Chartered Priority Banking Visa Infinite Credit Card.
   
3. 360° Rewards Points earned are valid for a maximum of 3 years only.
   
4. The annual fee for a Principal standard Chartered Priority Banking Visa Infinite Credit Card is RM848. The annual fee for a Supplementary Standard Chartered Priority Banking Visa Infinite Credit Card is RM424. All fees are inclusive of 6% GST effective 1 April 2015. Each Principal Standard Chartered Priority banking Visa Infinite Credit Cardholder is entitled to five Supplementary Cards.
   
5. The home loan and Home Financing-i balance on which 360° Rewards Points are calculated is the balance on your personal home loans and Just Home-i financing at the close of the preceding month. Loan amounts that are approved but not disbursed will not be taken into consideration for the calculation. On MortgageOne accounts, only the loan balance that is net of the MortgageOne current account balance will be taken into consideration for the calculation. Delinquent accounts do not qualify. You must have a loan balance of at least RM100, 000 to earn 360° Rewards Points on your home loan and Home Financing-i. The maximum points for home loans and Home Financing-i that can be granted is 4,000 points per month.
   
6. The balance on which 360° Rewards Points are calculated for investments is the total monthly average balance of unit trusts, retail bonds, single premium insurance plans from Prudential Assurance (M) Berhad and purchased through Standard Chartered Bank Malaysia Berhad, Single Contribution Family Takaful plans purchased through Standard Chartered Saadiq Berhad, structured deposits , Premium Currency Investments accounts and Premium Equity Linked Investment at the close of the preceding month. The maximum points for investments that can be granted is 4,000 points per month.
   
7. The balance on which 360° Rewards Points are calculated for the current and/or savings accounts is the total monthly average balance of all local and foreign currency current account, savings account, current account-i and savings account-i offered by Standard Chartered Saadiq Berhad at the close of the preceding month. Wadiah Current Account, Wadiah Savings Account and MortgageOne Current Account are not taken into consideration for the calculation. Accounts with debit balances do not qualify for points. The maximum points for current and/or savings accounts that can be granted is 4,000 points per month.
   
8. The balance on which 360° Rewards Points are calculated for the fixed deposits and General Investment Account-i is the total monthly average balance of all local and foreign currency fixed deposits and General Investment Account-i at the close of the preceding month. The maximum points for the fixed deposits that can be granted is 4,000 points per month.
   
9. The balance on which 360° Rewards Points are calculated for the secured overdraft is the total monthly average balance of all local and foreign currency secured overdraft at the close of the preceding month. Accounts in credit balances do not qualify for points. The maximum points for secured overdraft that can be granted is 4,000 points per month.
   
10. The period used the balance calculation for all the products in Total Relationship Rewards is based on the calendar month: e.g. 1 January, 1 June – 30 June etc.
   
11. We have the discretion to decide the methods used to calculate the amount of 360° Rewards Points you are entitled.
   
12. Home loans, Home Financing-i, investments, fixed deposits, General Investment Account-i, secured overdrafts, and current and/or savings accounts in foreign currencies will be converted into Ringgit Malaysia at a foreign exchange rate we determine. Such rates may fluctuate from time to time.
   
13. We may not award any 360° Rewards Points on any particular home loan, Home Financing-i, investment, fixed deposit, General Investment Account-i, secured overdraft and current and/or savings account or any other product or card.
   
14. The annual fee for a Principal Standard Chartered Priority Banking Visa Infinite Credit Card is RM800. The annual fee for a Supplementary Standard Chartered Priority Banking Visa Infinite Credit Card is RM400. Each Principal Standard Chartered Priority Banking Visa Infinite Credit Cardholder is entitled to five Supplementary Cards.
   
15. The Bank reserves the right to revise these Terms and Conditions and all calculation of 360° Rewards Points. Any such change will be announced beforehand on our website, and in our branches, and notified via the Account statements. Any such revision or withdrawal will not entitle any person to any claim whatsoever against the Bank.
   
16. We may change these Terms and Conditions without giving you notice.
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