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Important Information

Update to Credit Card Terms – Digital Credit Card

2A. Digital Credit Card

2A.1) This Section 2A will apply to all credit card applications which are approved by Standard Chartered Bank (Singapore) Limited from 2 August 2019 (inclusive). For all existing principal credit card cardholders as of 1 August 2019 (inclusive), this Section 2A will apply from 2 September 2019 (inclusive). For the avoidance of doubt, from 2 September 2019 onwards, this Section 2A will also apply to all replacement and renewal credit cards.

2A.2) A digital credit card is a virtual version of a credit card which you can use without the physical version of a credit card (“Digital Credit Card”).

2A.3) We may issue a Digital Credit Card to:

  1. a) a principal credit card cardholder upon our approval of a credit card application; or
  2. b) any replacement and renewal credit card that the Bank may issue in accordance with our banking agreement.

2A.4) If the Bank issues a Digital Credit Card to you pursuant to Clause 2A.3)a) above, you have up to 15 calendar days from the credit card approval date to activate your Digital Credit Card and you must comply with any activation procedures for the Digital Credit Card as notified from time to time. For the avoidance of doubt, you cannot activate your Digital Credit Card after 15 calendar days from the credit card approval date or after you activate the physical version of your credit card, whichever is the earlier. Once you have activated your physical credit card, the Digital Credit Card will no longer be available.

2A.5) If the Bank issues a Digital Credit Card to you pursuant to Clause 2A.3)b) above, you have up to 15 calendar days from the issuance date of the replacement or renewal credit card to activate your Digital Credit Card and you must comply with any activation procedures for the Digital Credit Card as notified from time to time. For the avoidance of doubt, you cannot activate your Digital Credit Card after 15 calendar days from issuance date of the replacement or renewal credit card or after you activate the physical version of your replacement or renewal credit card, whichever is the earlier. Once you have activated your physical replacement or renewal credit card, the Digital Credit Card will no longer be available.

2A.6) A Digital Credit Card can only be used on Eligible Digital Credit Card Retail Transactions after you have activated the Digital Credit Card. “Eligible Digital Credit Card Retail Transactions” is defined as:

  1. a) making online purchases using one-time password with merchants that use 3-Domain Secure; and
  2. b) payments through Apple Pay, Google Pay™ or Samsung Pay.

General

2A.7) For the avoidance of doubt, in the event we are unable to process your credit card application due to system failure, system outage, malfunction, delay or any other circumstances whatsoever, whether within our reasonable control or otherwise, you will not be able to activate your Digital Credit Card, and we disclaim all liability arising for any such delay including any loss, damage or inconvenience caused to/incurred by you, or any third party arising from or in connection therewith.

2A.8) We are not responsible for any failure or delay in the transmission of any transaction by any party, including acquiring merchants, merchant establishments or any telecommunication provider. We are not an agent of any merchant or service provider or vice versa.

2A.9) We make no warranty or representation as to the quality, merchantability or fitness for purpose of the goods and services bought and accept no liability for the services provided by any merchant or service provider. Any dispute about the same must be resolved directly with the merchant or service provider.

2A.10) By applying for a credit card, you consent to the use of your personal data for marketing purposes, including but not limited to the use of your telephone number to contact you about products and promotions offered by us from time to time via telephone, SMS or multimedia messaging. Such consent will supersede any prior choices made by you. Such consent will also prevail even if you are registered or subsequently register your contact information with the national Do Not Call Registry.

2A.11) We reserve the right to determine at our sole and absolute discretion all matters arising out of or in connection with the Digital Credit Card, including your eligibility for the Digital Credit Card. Our determination of all matters relating to the Digital Credit Card shall be final and binding, and no correspondence will be entertained.

2A.12) For the avoidance of doubt, clauses 2.2, 2.6, 2.7, 2.8, 3.3, 4, 7.7, 7.8, 10.5 and 10.6 of the Credit Card Terms do not apply to the Digital Credit Card.