Standard Chartered Approval-In-Principle Service Terms and Conditions

  1. Standard Chartered Bank (Singapore) Limited (the "Bank")'s Approval-In-Principle Service ("AIP Service") is a service which allows the applicant to obtain an approval-in-principle ("AIP") of his/her credit card or personal loan application submitted online. For clarity, an AIP is only a conditional approval that is subject to (but not limited to) the applicant's complete supporting documents being received by the Bank before the end of the validity of the AIP and a further review by the Bank.

  2. The AIP Service is only available on Mondays to Saturdays between 8 am to 10 pm and Sundays and Public Holidays between 2 pm to 10 pm, barring any unforeseen circumstances (e.g. the Bank's server is experiencing problems) or scheduled maintenance of the AIP Service or the Bank's server.

  3. If the applicant's relevant application has been approved in principle, the AIP message will be reflected in webpage that appears after the relevant application has been successfully submitted by the applicant.

  4. The Bank will notify the applicant of the Bank's final decision of the application, whether approved or otherwise via communication methods previously authorized by the applicant and/or in writing.

  5. AIP is only valid for 30 days during which the applicant must submit the complete supporting documents to the Bank for processing.

  6. The AIP Service is only applicable :
    1. for online credit card or personal loan application submitted online by applicants who are applying for the credit facility in their sole names;
    2. for applicants who are not existing principal credit cardholders or personal loan customers of the Bank.

  7. Applicants holding existing principal credit cards issued by the Bank are also eligible for the AIP Service if they are submitting latest income documents and employment details as part of their online application for another credit card or personal loan because their employment or income details have changed.

  8. AIP Service is not available for applications that are not submitted online, applications for the relevant product in joint names, supplementary card applications, MANHATTAN $500 credit card application, NUS $500 credit card applications, all 'by invitation only' credit cards and Preferred World Master credit card applications.

  9. The Bank reserves the right to vary, add or delete any of these terms at any time without prior notice to you.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.