Eligibility

1. The Christmas Carnival 2020 Promotion (“Promotion”) is available from 3 November 2020 to 31 December 2020 (both dates inclusive) (“Promotion Period”). The Promotion is open to all principal cardholders of credit cards issued by Standard Chartered Bank (Singapore) Limited (each a “Card”, collectively “Cards”). For the purposes of this Promotion, each principal cardholder of a Card shall be referred to as an “Eligible Cardholder”, and collectively such cardholders shall be referred to as the “Eligible Cardholders”. By participating in the Promotion, Eligible Cardholders agree to be bound by these Terms and Conditions.

2. Unless otherwise stated, the Promotion is not valid with other offers, discounts, rebates, vouchers, privileges or promotions. The Promotion is valid in conjunction with the Standard Chartered Caltex 2020 Promotion (the terms and conditions of which can be found here), the Standard Chartered Abecha Esso Fleet Card Promotion (the terms and conditions of which can be found here), and The Good Life® Programme (the individual merchant and general terms and conditions of which can be found here).
3. For the avoidance of doubt, for an Eligible Cardholder to be eligible for this Promotion, his/her Card account must be valid (i.e. must not be suspended, cancelled and/or terminated, in good standing, and conducted in a proper and satisfactory manner, as determined by Standard Chartered Bank (Singapore) Limited (“Bank” or “we”) in its sole and absolute discretion (and the Bank shall not be obliged to disclose its reason)) from 1 November 2020 to 31 March 2021 (both dates inclusive).

Participation

4. To participate in the Promotion, an Eligible Cardholder must have successfully registered for the Promotion. To register for the Promotion, an Eligible Cardholder must send a SMS which fulfils the criteria set out in Clause 6 below during the period of 1 November 2020 to 29 December 2020 (both dates inclusive) (“Registration Period”). An Eligible Cardholder will only be considered as having successfully registered for the Promotion, 2 calendar days from the time the Bank receives a SMS fulfilling clause 6 below.

5. The Bank will not accept any registration for the Promotion that:

1. is before and/or after the Registration Period; and/or
2. is not in the prescribed format (as set out at Clause 6 below).

All such registrations will be considered by the Bank to be invalid and/or void, and the Bank’s determination shall be final and conclusive.

6. For the purposes of registering for the Promotion, all SMSes must be composed in the following format:

“XMAS20”
(Example: XMAS20)

The composed SMS must be sent to 77222 (if the Eligible Cardholder is sending the SMS when he/she is in Singapore) or +65 8318 4584 (if the Eligible Cardholder is sending the SMS when he/she is not in Singapore) from the Eligible Cardholder’s mobile number that has been registered with the Bank (“Bank Registered Mobile Number”). All SMSes which are not in this prescribed format, sent to an incorrect number, or sent from a non-Bank Registered Mobile Number will not be accepted and will be considered by the Bank to be invalid and/or void, and the Bank’s determination shall be final and conclusive.

7. An acknowledgement of successful registration for the Promotion will be sent to the Eligible Cardholder’s Bank Registered Mobile Number. Upon successful registration for the Promotion, all of the Eligible Cardholder’s validly existing Cards (i.e. not suspended, cancelled and/or terminated) which are in good standing, and conducted in a proper and satisfactory manner, as determined by the Bank, will be registered for the Promotion (such successfully registered card(s) hereinafter referred to as a “Registered Card” and the cardholder of such Registered Card, a “Registered Cardholder”).

8. Registered Cardholders who have changed or updated their Bank Registered Mobile Number will have to re-register for the Promotion using their new Bank Registered Mobile Number. Failure to re-register will mean that the Eligible Cardholder will not be eligible for the Promotion.
9. The speed and reliability of service of the Eligible Cardholder’s internet and/or mobile connection is dependent solely on his/her respective internet and/or mobile service providers. The Bank is not and will not be responsible or liable in any manner whatsoever for any delay or failure in the transmission or receipt of any SMS, or any failure to successfully register resulting from the same. Eligible Cardholders shall be solely responsible for all fees and charges imposed by their service providers in relation to the registration for the Promotion.
10. By registering for and participating in the Promotion, the Eligible Cardholder consents to the use of his/her personal data for marketing purposes, including but not limited to the use of his/her telephone number and email address to contact him/her about products and promotions offered by the Bank from time to time via telephone, SMS or Electronic Direct Mail. Such consent will supersede any prior choices made by the Selected Cardholder. Such consent will also prevail even if the Selected Cardholder is registered or subsequently registers his/her contact information with the national Do Not Call Registry.

Promotion Mechanics

11. To qualify, Registered Cardholders must charge a single retail transaction to a Registered Card that:
    1. is of an amount S$100 and above;
    2. has a transaction date falling within the Promotion Period;
    3. has been successfully posted to a Registered Card account during the Promotion Period; and
    4. is not an excluded transaction (as set out in Clause 24 below);

(each single retail transaction charged by a Registered Cardholder to a Registered Card that fulfils Clauses 11(a) to (d) above shall hereinafter referred to as a “Christmas Carnival Qualifying Transaction”).

12. The first 160,000 Christmas Carnival Qualifying Transactions charged which are each of an amount between S$100 and S$499.99 (inclusive of both amounts) (a “Tier A Winning Transaction”) and the first 40,000 Christmas Carnival Qualifying Transactions which are each at least S$500 (a “Tier B Winning Transaction”) will each be randomly assigned a unique URL by an automated computerised system. Subject to Clause 14 below, a SMS containing this unique URL (“Christmas Carnival SMS”) will be sent to the Registered Cardholder’s Bank Registered Mobile Number when such Christmas Carnival Qualifying Transaction is either a Tier A Winning Transaction or Tier B Winning Transaction. For the avoidance of doubt, the Promotion is limited to the first 200,000 Christmas Carnival Qualifying Transactions, consisting specifically of the first 160,000 Tier A Winning Transactions and the first 40,000 Tier B Winning Transactions, and subject to Clause 14 below, Christmas Carnival SMSes will only be sent to the Registered Cardholders of the first 200,000 Christmas Carnival Qualifying Transactions.

13. For the purposes of the Promotion, amounts charged to a Card before registration for the Promotion is successfully completed will not be considered as Christmas Carnival Qualifying Transactions. The table below illustrates when an Eligible Cardholder’s registration for the Promotion will be successfully completed depending on the respective date that his/her SMS (which fulfils clause 6 above) is received by the Bank, and whether retail transactions charged to his/her Card will be considered as Christmas Carnival Qualifying Transactions:

14. Each Registered Cardholder is eligible for 1 unique URL sent via 1 SMS for every Tier A Winning Transaction or Tier B Winning Transaction made except that a Registered Cardholder can only receive a maximum of 3 unique URLs per day. If the Registered Cardholder makes more than 3 Tier A Winning Transactions or Tier B Winning Transactions in a day, the Registered Cardholder will only receive the unique URLs for the first 3 of the Tier A Winning Transactions or Tier B Winning Transactions which occurred on the same day. For the avoidance of doubt, once the Bank has sent a Registered Cardholder 3 Christmas Carnival SMSes in a day, the Registered Cardholder will no longer be eligible to participate in the Promotion for any additional Christmas Carnival Qualifying Transactions occurring on the same day.

Illustration of eligibility

Prizes and Prizes Allocation

15. The Registered Cardholder of each Tier A Winning Transaction or Tier B Winning Transaction (“Winning Cardholder”) will win one of the following prizes:

For Tier A Winning Transactions:

1. S$2 cashback;
2. S$3 cashback;
3. S$5 cashback; or
4. S$6 cashback.

For Tier B Winning Transactions:

1. S$8 cashback;
2. S$10 cashback;
3. S$15 cashback; or
4. S$1,000 cashback.

(each a “Prize” and collectively, “Prizes”).

For the avoidance of doubt, if a Registered Cardholder does not receive any Christmas Carnival SMSes, he/she will not be entitled to any of the Prizes above.

16. There will be a total of 200,000 Prizes available to be won for the Promotion, in the following quantities:

The Promotion is subject and limited to the availability of the Prizes above.

17. The Prizes allocated to the Tier A Winning Transactions or Tier B Winning Transactions will be chosen by our computer programme designed specifically for the purpose of the Promotion at 9 Changi Business Park Crescent, Standard Chartered Bank @ Changi 2, Singapore 486005. The computer programme will randomly allocate Prizes to the Tier A Winning Transactions or Tier B Winning Transactions in real time when either a Tier A Winning Transaction or Tier B Winning Transaction is made.

18. The random selection and allocation of Prizes to the respective Winning Cardholders of the Tier A Winning Transactions or Tier B Winning Transaction will be verified by external auditors. We reserve the discretion to change any of the Prize allocation mechanics without giving prior notice or reason. We may appoint any party as we deem fit as an external auditor for the Prize allocation.

19. Each Prize will be credited to the relevant Winning Cardholders’ Registered Card account used to charge the corresponding Christmas Carnival Qualifying Transaction by 31 March 2021. SMSes will be sent to the relevant Winning Cardholder’s Bank Registered Mobile Number to inform him/her that the Prize has been credited to their Registered Card account. The details of the Prize amount will be reflected in the Winning Cardholder’s next Credit Card Statement of Account from 31 March 2021.

General

20. The Prizes awarded under the Promotion are strictly non-transferable and non-exchangeable for cash or credit or otherwise.
21. No payment or compensation whether in cash, credit or kind shall be made for any lost, misplaced or stolen Prizes.
22. The Bank reserves the right to replace or substitute any Prize with any item of equivalent or similar value, without prior notice or reason (and the Bank shall not be obliged to disclose its reason).
23. In the event that the Registered Cardholder terminates his/her banking relationship with the Bank within 6 months of the expiry of the Promotion Period, the Bank further reserves the right to recover the whole or any part of the Prize given to him/her under this Promotion. At the time of crediting of the Prize, the relevant Registered Card account must be valid (i.e. must not be suspended, cancelled and/or terminated, in good standing, and conducted in a proper and satisfactory manner, as determined by the Bank in its sole and absolute discretion), failing which, the Prize will be forfeited and the Bank shall also be entitled to recover the whole or any part of the Prize (or such equivalent value) given to him/her.

24. The following transactions charged to a Registered Card will not be considered Christmas Carnival Qualifying Transaction (for the purposes of the Promotion):
    1. Insurance premiums, including premiums for investment-linked policies;
    2. Any transactions or bill payments to Telecommunications and utilities providers including but not limited to Starhub, Singtel, M1, and Singapore Power;
    3. Any payment via AXS network;
    4. Any payment via SAM network;
    5. Payments to government agencies which include but not limited to Land Transport Authority, Housing Development Board, Inland Revenue Authority of Singapore, Public Utilities Board, Immigration & Checkpoints Authority and the Ministry of Manpower;
    6. Income tax payments;
    7. Any bill payment made using SC EasyBill bill payment programme;
    8. Any top-ups or payment of funds to any prepaid cards (with exception of EZ-Reload), prepaid accounts, digital wallets including but not limited to Grab, Singtel Dash, WorldRemit Singapore, YouTrip or any other accounts as the bank may specify from time to time
    9. Any top-ups or payment of funds which are classified under Merchant Category Codes 6012 (Financial Institutions – Merchandise, Services, and Debt Repayment) and/or 6540 (or Non-Financial Institutions – Stored Value Card Purchase/Load);
    10. EZ-Link cards transactions;
    11. TransitLink transactions;
    12. Any transactions pertaining to Merchant Category Codes 6211 (Security Brokers/Dealers) and 7995 (Gambling/Lotto);
    13. Balance transfers (or funds transfers), instalment loans and cash advances, purchases via NETS and ongoing instalment payments;
    14. Any fees and charges (including annual fees, interest charges, cheque processing fees, administrative fees, cash advance fees, finance charges and/or late payment charges and other miscellaneous fees and charges) charged to any of the Bank issued credit cards of the Registered Cardholder;
    15. Any amount charged to the any of the Bank issued credit cards of the Registered Cardholder during the Promotion Period that is subsequently cancelled, voided or reversed; and
    16. Balance owing on the Registered Cardholder’s credit card accounts from other months.

25. For retail transactions charged during the Promotion Period to a Registered Card which are successfully converted into monthly instalments:
    1. at the point of sale by tie up merchants, the monthly instalment amount (and not the total amount charged for that transaction); or
    2. at a later date, the total amount charged (and not the converted monthly instalment amount),

will be used by the Bank to determine if Registered Cardholder has made a Christmas Carnival Qualifying Transaction and if the transaction is a Tier A Winning Transaction or Tier B Winning Transaction under the Promotion, provided such transaction does not fall within any of the exclusions set out in Clause 24 above.

26. For all non-Singapore dollar Christmas Carnival Qualifying Transactions charged to the Registered Card, the transaction amount(s) posted in the Registered Cardholder’s credit card statement (inclusive of the exchange rate conversion and commission, if any) will be used by the Bank to determine if the Registered Cardholder has made a Christmas Carnival Qualifying Transaction and if the transaction is a Tier A Winning Transaction or Tier B Winning Transaction under the Promotion.

27. All Christmas Carnival Qualifying Transactions must be charged and posted to the Registered Card within the Promotion Period. We are not responsible for any failure or delay in the transmission of the transactions by any party including but not limited to acquiring merchants, merchant establishments, or any telecommunication provider.

28. Christmas Carnival Qualifying Transactions charged to and posted to the card accounts of all supplementary cards linked to a Registered Card will be treated as a Christmas Carnival Qualifying Transaction made by the principal Registered Cardholder on the relevant principal Registered Card for the purposes of the Promotion.
29. The Bank may vary, modify, add, delete or otherwise revise any of the Terms and Conditions governing the Promotion or modify, terminate, withdraw, extend, suspend or shorten the Promotion at any time at the Bank’s sole and absolute discretion, with or without prior notice or reason (and the Bank shall not be obliged to disclose its reasons).

30. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the Promotion. The Bank’s determination of all matters relating to the Promotion shall be final and conclusive and no correspondence will be entertained.

31. Without prejudice to Clause 30, in the event the Bank has determined (in the Bank’s sole and absolute discretion) that a Registered Cardholder is not eligible to receive the Prize or to participate in the Promotion or has irregularly or wrongly redeemed the Prize, or where the Bank has knowledge of subsequent events which would mean that the Registered Cardholder would not have been entitled to redeem the Prize (including but not limited to where the charges used to meet the relevant minimum spend(s) were reversed or refunded), the Bank reserves the right to claw back the Prize or to deduct its value (or such other amount as it deems fit) from the Registered Cardholder’s account(s) with the Bank.
32. In the event of any inconsistency between the Promotion Terms and Conditions and any brochures, marketing or promotional materials relating to the Promotion, these Promotion Terms and Conditions shall prevail to the extent of such inconsistency.
33. Except for death or personal injury caused by the negligence of the Bank, to the fullest extent permitted by law, the Bank and members of the Bank’s group shall have no liability in respect of, will be indemnified from and against, and/or you hereby agree to release and hold the Bank and members of the Bank’s group harmless for, any expenses, costs of any kind (including legal costs), liability, loss (whether foreseeable or not), claim or damage, directly or indirectly, suffered, incurred (whether in common law or equity), arising from or in connection with your acceptance, possession, use, misuse and/or enjoyment of the Prize and/or this Promotion.
34. These Promotion Terms and Conditions are to be read together with our Customer Terms and Credit Card Terms and any other product terms that may be applicable in conjunction with the Promotion (collectively “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.
35. A person who is not a party to these Promotion Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of the Promotion Terms and Conditions.

36. These Promotion Terms and Conditions and any dispute or claim arising out of or in connection with these Promotion Terms and Conditions, shall be governed by and are to be construed in accordance with, the laws of the Republic of Singapore and you agree to submit to the exclusive jurisdiction of the courts of the Republic of Singapore.

37. All information is correct at the time of publication.

Updated as of 16 December 2020