Standard Chartered Unlimited Cashback Credit Card Terms and Conditions


  1. The Standard Chartered Unlimited Cashback Credit Card (the "Card") gives you 1.5% cashback ("Unlimited Cashback") when you (including your supplementary cardholder(s) on your Card account) use the Card in the manner specified in these terms.

    Unlimited Cashback on Eligible Retail Transactions
  2. Unlimited Cashback is awarded only on retail transactions which exclude those transactions listed in Clause 3 below (“Eligible Retail Transactions”) made on your Card based on the date such purchases are posted to your Card account. For the avoidance of doubt, the date the transaction is charged may not be the same as the date the transaction is posted due to factors including but not limited to processing time and differences in time zones (where applicable). For clarity, Eligible Retail Transactions charged to the Card in a month (as defined in Clause 6 below) but yet to be posted to the Card account by the Card statement date will not be taken into account in the computation of Unlimited Cashback earned for that month (as defined in Clause 6 below). Unlimited Cashback is computed on a monthly basis based on your statement date and will be calculated based on two decimal places for each individual Eligible Retail Transaction without any rounding off. Unlimited Cashback earned will be reflected in that month’s card statement but credited to your principal Card account only in the following statement cycle month. Such Unlimited Cashback amount will be automatically offset against the following statement cycle month’s billed amount. Unlimited Cashback earned by your supplementary cardholder(s) of the Card will be credited into your principal Card account.
  3. The following transactions are not Eligible Retail Transactions and will not earn Unlimited Cashback:
    1. any cash advance;
    2. any fees and charges (including annual fees, late payment fees, interest charges, and or finance charges) charged to your Card;
    3. any balance or fund transfer;
    4. any monthly instalment of an EasyPay transaction;
    5. any amount charged to your Card (and/or your supplementary credit card) that is subsequently cancelled, voided, refunded or reversed;
    6. recurring payments or payments made to all billing organisations using Standard Chartered Online Banking;
    7. AXS or ATM transactions made using the Card;
    8. amounts which have been rolled over from the preceding months’ statements;
    9. tax refunds credited into your Card account (and/or your supplementary credit card account);
    10. any tax payments charged to your Card (and/or your supplementary credit card);
    11. any insurance premiums charged to your Card (and/or your supplementary credit card); and
    12. any top-ups or payment of funds to any prepaid cards (with the exception of EZ-Reload charged to your Card) and any prepaid accounts including without limitation to the following accounts or any other accounts as we may specify from time to time:
· EZ LINK PTE LTD · FLASHPAY ATU · OANDAASIAPA
· EZ LINK PTE LTD (FEVO) · TRANSITLINK* · OANDA ASIA PAC
· EZ-LINK PTE LTD SINGAPORE · TRANSIT LINK* · PAYPAL * BIZCONSULTA
· EZ-LINK TOP-UP KIOSK · TRANSIT LINK PL · PAYPAL * OANDAASIAPA
· EZ-LINK (IMAGINE CARD) · TRANSIT · PAYPAL * CAPITALROYA
· EZLINK* · MB * MONEYBOOKERS.COM · Saxo Cap Mkts Pte Ltd
· EZ LINK · WWW.IGMARKETS.COM.SG · SKR*SKRILL.COM
· EZLINKS.COM

  1. Refunded retail transactions will be deducted from the relevant monthly billed amount for the computation and award of Unlimited Cashback. Any reversed portion of the Unlimited Cashback earned will be reflected in the next month’s Card statement.
  2. We may retract, deduct, re-compute, withdraw and/or cancel any Unlimited Cashback awarded if you fail to effect the minimum payment due as reflected on that month’s Card statement, abuse the cashback programme or for any other reason that we may deem fit in our sole discretion. You will not be entitled to any payment or compensation in respect of such retraction, deduction, re-computation, withdrawal or cancellation.

    General
  3. For purposes of these terms, "month" means the period from the statement date of the current month to the day falling one day prior to the statement date of the following month.
  4. For any new transaction payable by monthly instalment payments, for purposes of Unlimited Cashback, if you charge the total amount in respect of such Transaction to your Card within a particular month where such total amount is successfully converted to monthly instalments:
    1. at the point of sale by a participating merchant, the monthly instalment amount (and not the total amount charged) will qualify for Unlimited Cashback provided that (i) such new transaction payable by monthly instalment payment is a Eligible Retail Transaction, and (ii) such monthly instalment amount is successfully posted to your Card account before the end of that month. Subsequent monthly instalment amounts will also qualify for Unlimited Cashback for the months in which the relevant instalment amount is posted; or
    2. at a later date by us, the total amount charged (and not the converted monthly instalment amount) will qualify for Unlimited Cashback provided that (i) such new transaction payable by monthly instalment payment is a Eligible Retail Transaction, and (ii) such monthly instalment amount is successfully posted to your Card account before the end of that month. Subsequent monthly instalment amounts will not qualify for Unlimited Cashback for such months in which the relevant instalment amount is posted.
  5. We are not responsible and accept no liability for any failure or delay in the transmission of a transaction and/or Eligible Retail Transaction by any party (including but not limited to Mastercard®/Visa acquiring merchants, merchant establishments, or any telecommunication provider) for whatsoever reason.
  6. Your Card account must be in good standing and conducted in a proper and satisfactory manner, as we may determine in our sole discretion, at the time of crediting the Unlimited Cashback. In the event that your Card account is delinquent, terminated or suspected for any reason whatsoever before the Unlimited Cashback is credited into your Card account, we reserve the right to forfeit such Unlimited Cashback at our sole discretion without prior notice.
  7. We accept no liability for any late submission of any transaction and/or Eligible Retail Transaction by any merchant for whatsoever reason.
  8. Any Unlimited Cashback, if credited to your Card account for any of the transactions listed under Clause 3, will be reversed at our sole discretion without prior notice.
  9. Your Card account must be in good standing and conducted in a proper and satisfactory manner, as we may determine in our sole discretion, at the time of crediting the Unlimited Cashback. In the event that your Card account is delinquent, terminated or suspended for any reason whatsoever before the Unlimited Cashback is credited into your Card account, we reserve the right to forfeit such Unlimited Cashback at our sole discretion without prior notice.
  10. The Card is excluded from earning rewards under the Standard Chartered 360° Rewards Programme.
  11. We reserve the right to vary, modify, and amend any of these terms (including but not limited to the right to vary the rate of Unlimited Cashback, the basis of calculation of Unlimited Cashback and the retail transactions which are not Eligible Retail Transactions) from time to time without prior notice and you agree that you are bound by such variations, modifications, and amendments.
  12. Our decision on all matters pertaining to this Card shall be final and binding on you and your supplementary cardholders.
  13. These Standard Chartered Unlimited Cashback Credit Card Terms and Conditions are to be read in conjunction with our Customer Terms and Credit Card Terms ("Other Terms"). In the event of any inconsistency between these terms and the Other Terms, these terms prevail only to the extent of such inconsistency.
  14. A person who is not a party to these terms and conditions has no rights under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of these terms and conditions.
  15. These terms and conditions are governed and construed in accordance with the laws of Singapore. Any dispute arising out of these terms and conditions shall be referred to the exclusive jurisdiction of the Courts of Singapore
  16. All information is accurate at the time of publication.

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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.

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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.

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