The Debit Card Cashback Campaign – Terms and Conditions

These Terms and Conditions (“Terms”) govern participation in the Debit Card Cashback Campaign-Spend More, Earn More (“the Campaign”) organized by Standard Chartered Bank Nigeria Limited (‘SCB Nigeria’ or ‘the Bank’). By participating in this Campaign, you understand and agree to be bound by these Terms and Conditions and any variation to these Terms.

For the purposes of these Terms and Conditions:


‘Campaign Period’ means	the period from 1^st October 2026 to 31^st December 2026 (both dates inclusive).
‘Debit Card Cashback Campaign’ means	a campaign where Eligible Clients who use their Standard Chartered Bank Nigeria Limited’s Eligible Visa Naira Debit Cards for qualifying transactions are rewarded as contained herein.
‘Eligible Client’ means	client within either the Emerging Affluent, Priority Banking or the Small and Medium Enterprises (SME) Banking segments of the Bank who hold active and Eligible Visa Naira Debit Cards drawn on their respective accounts.
‘Eligible Visa Naira Debit Cards’ means	Visa Gold Naira Debit Card or Visa Infinite Naira Debit Card.
‘Reward’ means	Cashback Reward as specified herein.

An entry shall be deemed valid and eligible for cashback where the client successfully completes a qualifying retail purchase using an eligible Standard Chartered VISA Naira Debit Card during the Campaign Period.
The Qualifying Transactions are limited to Point of Sale (POS) purchases, Online and e-commerce purchases and international retail purchases processed using an eligible VISA Naira Debit Cards.
The transactions excluded from the Campaign and not eligible for the Reward include cash withdrawals through Automated Teller Machines, Cash Advances, Reversed/Refunded funds, payments arising from disputed payments, chargeback, cancelled, or fraudulent transactions, bank fees, charges, taxes, account-related service fees and any transaction deemed ineligible by the Bank at its sole discretion.
Eligible customers will receive cashback based on the total value of qualifying transactions made during each calendar month of the Campaign Period.

The Cashback Reward Structure is stated below

Card Type	Cashback Rate	Maximum Monthly Cashback Per Month
Visa Gold Naira Debit Card	0.10%	NGN50,000.00
Visa Infinite Naira Debit Card	0.20%	NGN150,000.00

Cashback earned during a month will be credited directly to the Eligible Client’s account linked to his/her Eligible Visa Naira Debit Card within ten (10) working days after the end of the qualifying month, provided the Eligible Client maintains an active account.

Determination of the eligibility of a participant and selection of winners by the Bank shall be final and binding on participants.

The Bank reserves the right to decline to reward you if it determines that any of the Campaign requirements or the Terms and Conditions have not been complied with. The Bank also reserves the right to replace the reward with another reward of equivalent or similar value.

These Terms and Conditions are supplementary to the Bank’s Standard Terms and Conditions (“Standard Terms”) including the Client Terms and Conditions. In the event there is any conflict between these Terms and Conditions and the Standard Terms, the Standard Terms and the Client Terms and Conditions shall apply.

All the information you give to us or any member of the Standard Chartered Group is confidential and shall only be used and released as provided for in Standard terms as well as the Client Terms and conditions.

The Bank assumes no liability for any direct or indirect loss or damage of any nature in connection with your participation in the Campaign (whether due to negligence or otherwise).

The Bank reserves the right to terminate this Campaign anytime with a notification to the Client. In such event, you waive any rights, which you may have against us and you acknowledge that you will have no recourse or claim of any nature whatsoever against the Bank.

In the event of any dispute relating to the Campaign, the Bank shall resolve the dispute in accordance with the Terms and Conditions of the Campaign. Nothing in this clause shall limit any rights or remedies available to a Participant under applicable laws and regulations. A Participant shall submit complaints through the Bank’s dedicated customer complaint channels.

We are committed to respecting and protecting the privacy of the information we collect from you in compliance with the applicable laws and regulations on data use and privacy. Our privacy statement, as updated from time to time, explains how we treat your personal data and protect your privacy when you use our services and can be found on Privacy Policy on www.sc.com/ng.

This Campaign shall be governed by the laws of the Federal Republic of Nigeria.

These terms and conditions and any update or amendment to them including amendment to the privacy statement will be available on the Bank’s website – www.sc.com/ng and will take effect from the date of notification of the update or amendment.

Please send an email to clientcare.ng@sc.com, call our Contact Centre on +234 2012704611-4 or speak to your Relationship Manager for more details.

Disclaimer

This is to inform that by clicking on the hyperlink, you will be leaving www.sc.com/ng and entering a website operated by other parties:

Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

Thank you for visiting www.sc.com/ng

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