1.  This Standard Chartered Credit Card Sign-Up Promotion (the “Promotion”) is available from 17 July 2023 to 30 June 2024 (both dates inclusive) (the “Promotion Period“), unless otherwise extended or otherwise terminated in accordance with these terms and conditions. By participating in this Promotion, you agree to be bound by these terms and conditions.

Eligibility – New credit cardholders 

2. To qualify for this Promotion and receive the cashback or miles available as set out in Clause 3 below:

a. you must be a new Standard Chartered principal cardholder. In other words, you must not have any existing or previously cancelled Standard Chartered credit cards in the last 12 months;

b. you must apply via the link provided by an agent of the Bank for two of the following eligible cards (each an “Eligible Card”) issued by Standard Chartered Bank (Singapore) Limited (“Standard Chartered” or the “Bank”) as a principal cardholder (“Cardholder”):

1. 1. 1. Journey Credit Card and Simply Cash Credit Card
      2. Simply Cash Credit Card and Smart Credit Card; or
      3. Simply Cash Credit Card and Rewards+ Credit Card

c. Standard Chartered must receive your application for the Eligible Card within the Promotion Period. Notwithstanding the foregoing, Standard Chartered may continue to process any application received by Standard Chartered up to 14 calendar days after the end of the Promotion Period, and Standard Chartered shall retain the sole and absolute discretion to determine the eligibility of these applications and/or allow the said applications for the purposes of this Promotion on a case-to-case basis, subject to these terms and conditions;

d. your Eligible Card application must be approved by Standard Chartered within 14 calendar days after the Promotion Period, where such approval is final and unconditional;

e. you must activate both Eligible Cards within 30 days from the card approval date. For the avoidance of doubt, a digital version of the Eligible Card is not eligible for this Promotion; and

f. the Eligible Card account must, within three (3) months of the Eligible Card account opening date, be valid (i.e. the Eligible Card account must not be suspended, cancelled and/or terminated), in good standing, and conducted in a proper and satisfactory manner as determined by Standard Chartered in its sole and absolute discretion.

3.       a. Subject to these terms, if you satisfy all the eligibility criteria set out in Clause 2(bi), you will be eligible to receive up to 45,000 Miles. Please refer to the Standard Chartered Journey Credit Card Up to 45K Miles Acquisition Promotion Terms and Conditions for full terms and conditions.

b. Subject to these terms, if you satisfy all the eligibility criteria set out in Clause 2(bii) through Clause 2(biii), you will be eligible for the Acquisition Cashback of SGD 200 (“Acquisition Cashback”) if you charge at least S$288 on Eligible Transactions (as defined in clause 4b) to the Eligible Card within 30 days of the date the application for the Eligible Card is approved.

Eligibility

4.       a. If you have at least one (1) existing principal credit card with the Bank at the point of approval of your Eligible Card application or previously cancelled credit card(s) with the Bank in the last 12 months from the date the Eligible Card is approved.

b. An “Eligible Transaction”, for the purposes of this Promotion, is a transaction which is charged and posted to the Eligible Card within 30 days of the date the application for the Eligible Card is approved pursuant to this Promotion, except that the following transactions will not be considered as Eligible Transactions, for the purposes of this Promotion

a) any cash advance;
b) any fees or charges (including but not limited to annual card fees, service fees, interest charges, cheque processing fees, administrative fees, finance charges, and/or late payment charges and other miscellaneous fees and charges);
c) any Credit Card Funds Transfer;
d) any monthly instalment of an EasyPay transaction;
e) any amount charged to your Eligible Card that is subsequently cancelled, voided, refunded or reversed;
f) recurring payments (being automatic payments where you (including your supplementary cardholder(s) on your Eligible Card account) have given a one-time authorisation or instruction for the merchant to charge the payment directly to your Eligible Card at a fixed interval, such as transactions made pursuant to Standard Chartered Bank (Singapore) Limited’s 0% Interest Instalment Plan) or payments made to all billing organisations using Standard Chartered Online Banking or mobile app;
g) AXS, SAM or ATM transactions made using your Eligible Card;
h) amounts which have been rolled over from any preceding month’s statement; i. tax refunds credited into your Eligible Card account;
i) any insurance premiums charged to your Eligible Card;
j) any payments related to betting (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks) through any channel charged to your Eligible Card;
k) any top-ups or payment of funds to any prepaid cards (with exception of EZ-Reload charged to your Eligible Card) and any prepaid accounts including without limitation:
l) any transaction classified under either of the following Merchant Category Codes:

i. Financial Institutions – Merchandise, Services, and Debt Repayment (6012); or
ii. Non-Financial Institutions – Stored Value Card Purchase/Load (6540); and
iii. any top-ups or payment of funds to the following accounts or any other accounts as we may specify from time to time:

• EZ LINK PTE LTD
• EZLINK*
• TRANSIT LINK*
• EZ LINK PTE LTD (FEVO)
• EZ LINK
• TRANSIT LINK PL
• EZ-LINK PTE LTD SINGAPORE
• EZLINKS.COM
• TRANSIT
• EZ-LINK TOP-UP KIOSK
• FLASHPAY ATU
• PAYPAL * BIZCONSULTA
• EZ-LINK (IMAGINE CARD)
• TRANSITLINK*
• PAYPAL * CAPITALROYA

m) any transaction classified under one or more of the following Merchant Category Codes:

i. 6051 (Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money Orders (Not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment)
ii. 6211 (Security Brokers/Dealers)
iii. 4829 (Money Transfer) and 6513 (Real Estate Agents and Managers)
iv. 8211 (Elementary and Secondary Schools)
v. 8220 (Colleges, Universities, Professional Schools, and Junior Colleges)
vi. 8241 (Correspondence Schools), 8244 (Business and Secretarial Schools)
vii. 8249 (Vocational and Trade Schools) and 8299 (Schools and Educational Services (Not Elsewhere Classified))
viii. 9211 (Court Costs, Including Alimony and Child Support)
ix. 9222 (Fines), 9223 (Bail and Bond Payments)
x. 9311 (Tax Payments)
xi. 9399 (Government Services (Not Elsewhere Classified))
xii. 9402 (Postal Services – Government Only) and 9405 (U.S. Federal Government Agencies or Departments); and

n)any other charges, fees, transactions or payments as we may stipulate from time to time.

Cashback Cap

5.

a. The Current Cashback Cap and Previous Cashback Cap (each as defined in Clauses 5(b) and 5(c) below) received under any and all other credit card sign-up promotions with the Bank that you qualify for, whether prior or subsequent to your application pursuant to this Promotion:

i. includes any cashback; but
ii. does not include any vouchers / stored value cards / credits / any other sign-up gifts which are not in the form of cashback.

b. The maximum aggregated amount of cashback that you may receive for this Promotion and all your subsequent credit card application(s) (where relevant) combined is capped at S$200 (“Current Cashback Cap”).

c. If you have previously applied for credit card(s) with the Bank, the relevant cashback cap applicable for purposes of determining the cashback you will get under this Promotion is the cashback cap in place when your very first application for credit card(s) with the Bank was approved (“Previous Cashback Cap”). For the avoidance of doubt, this Previous Cashback Cap may be lesser or greater than the Current Cashback Cap.

i. If you have not reached the Previous Cashback Cap as determined by the Bank in its sole discretion, the cashback you will receive pursuant to this Promotion is the lower of:

1. 1. 1. the cashback (if any) you are eligible to receive under Clause 2 above; and
      2. the Previous Cashback Cap less the aggregated amount of cashback you had earlier received under any and all other credit card sign-up promotions with the Bank. For the avoidance of doubt, if you have not reached the Previous Cashback Cap, the Current Cashback Cap has no bearing on whether you receive cashback under this Promotion.

ii. If you have reached the Previous Cashback Cap as determined by the Bank in its sole discretion, you will not be entitled to any further cashback under this Promotion. For the avoidance of doubt, this is the position regardless of whether the Previous Cashback Cap is greater or less than the Current Cashback Cap.

Fulfilment mechanics

6. The Acquisition Cashback you are entitled to receive under this Promotion pursuant to Clause 2 above will be credited to your principal Eligible Card account within 90 calendar days of the date of activation of your Eligible Card, subject to the Eligible Card being valid and in good standing. The cashback awarded under this Promotion must be utilised within three (3) months from the date the cashback is credited to your Eligible Card, failing which, any unused portion of the cashback may be forfeited.

General

7. If you have received the Eligible Card in conjunction with your application for a CashOne / Credit Card Instalment Loan or any other credit card sign-up promotions of the Bank, you will not be eligible for the Acquisition Cashback under this Promotion.

8. Unless otherwise stated, this Promotion is not valid with other offers, discounts, rebates, vouchers, privileges or promotions. The Promotion is valid in conjunction with the Standard Chartered Caltex Jan-Dec 2023 Promotion (the terms and conditions of which can be found here), The Good Life Privileges (which can be found here) and the Credit Card Additional Cashback Promotion (which can be found here).

9. No payment or compensation whether in cash, credit or kind shall be made for any lost, misplaced or stolen Acquisition Cashback.

10. The Bank reserves the right to replace or substitute the Acquisition Cashback with any item of equivalent or similar value, without prior notice or reason (and the Bank shall not be obliged to disclose its reason).

11. If the Bank at any time determines (at its sole and absolute discretion) that any of the eligibility requirements set out in Clauses 2 or 4 above was not or has not been complied with but the cashback or Rewards Points has been redeemed by you, the Bank reserves the right to claw back the value of the cashback or Rewards Points or to deduct its value (or such other amount as it deems fit) from the Cardholder’s account with the Bank.

12. 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, and will be indemnified from and against, any liability, loss, claim, damage or costs of any kind (including legal costs) to any person or entity, in whole or in part, directly or indirectly, whether by reason of the acceptance, possession, use or misuse of the Acquisition Cashback.

13. Standard Chartered reserves the right to do any of the following without prior notice:

a. terminate, withdraw, shorten, suspend or extend this Promotion at the Bank’s sole and absolute discretion, with or without prior notice or reason; and/or
b. vary, modify, add or delete any of the terms of the Promotion.

You agree and consent to be bound by any such variation.

14. These Standard Chartered Credit Cards Sign-Up Promotion Terms and Conditions are to be read in conjunction with our Customer Terms, Credit Card Terms and any other specific Product Terms that may be relevant in connection with this Promotion (“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.

15. Standard Chartered is 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.

16. Standard Chartered makes no warranty or representation as to the quality, merchantability or fitness for purpose of the goods and services bought and accepts 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.

17. Standard Chartered reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with this Promotion, including:

a. your eligibility to participate in this Promotion;
b. your eligibility to receive the Acquisition Cashback under this Promotion; and/or

Standard Chartered’s determination of all matters relating to this Promotion shall be final and conclusive and no correspondence will be entertained.

18. By applying for an Eligible Card pursuant to this Promotion, you consent to the use of your personal data for marketing purposes, including but not limited to the use of your telephone number and email address to contact you 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 you. Such consent will also prevail even if you are registered or subsequently register your contact information with the national Do Not Call Registry.

19. In the event of any inconsistency between these terms and conditions and any brochures, marketing or promotional materials relating to the Promotion, these terms and conditions shall, to the extent of such inconsistency, prevail.

20. A person who is not a party to the Standard Chartered Credit Cards Sign-Up 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.

21. The Standard Chartered Credit Cards Sign-Up Promotion Terms and Conditions are governed by and shall 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.

22. All information is accurate at time of publication.