1. The Standard Chartered Unlimited Foreign Currency Cashback Promotion (the “Promotion”) is available from 9 March to 29 September 2018 (both dates inclusive) (the “Promotion Period”). By participating in this Promotion, you agree to be bound by these terms and conditions.

Eligibility Criteria

2. To be eligible for this Promotion, you must apply for the Unlimited Cashback Credit Card (the “Card”) issued by Standard Chartered Bank (Singapore) Limited (“Standard Chartered”, the “Bank” or “we”) as a principal cardholder and your Card must be approved between 9 March to 30 June 2018 (both dates inclusive) (the “Application Period”). For the avoidance of doubt, if your card is approved after 30 June 2018 due to any reason, you will not be eligible to participate in this Promotion.

Promotional Cashback

3. Subject to Clause 2 above, you can utilise this Standard Chartered Unlimited Foreign Currency Cashback Promotion when you (including your supplementary cardholder(s) on your Card account) use the Card during the three (3) months from the date the Card is approved (“Cashback Eligibility Period”) to receive a total of 3% cashback.This 3% cashback comprises
   1. the 1.5% cashback (“Unlimited Cashback“) you are eligible to receive when you (including your supplementary cardholder(s) on your Card account) use the Card in the manner specified in the Standard Chartered Unlimited Cashback Credit Card Terms and Conditions; and
   2. an additional 1.5% cashback (“Promotional Cashback”) on retail purchases charged in a currency that is not Singapore Dollars on your Card based on the date such purchases are posted to your Card account during the Promotion Period. 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 illustration:

Promotional Cashback on Eligible Foreign Currency Retail Transactions

4. Promotional Cashback is awarded only on retail transactions charged in a currency that is not Singapore Dollars, which exclude those transactions listed in Clause 5 below (“Eligible Foreign Currency Retail Transactions”) made on your Card based on the date such purchases are posted to your Card account. For clarity, Eligible Foreign Currency Retail Transactions charged to the Card in a month (as defined in Clause 8 below) but yet to be posted to the Card account by the Card end of that month in which it was charged will not be taken into account in the computation of Promotional Cashback earned for that month. Promotional Cashback is computed each month and will be calculated based on two decimal places for each individual Eligible Foreign Currency Retail Transaction without any rounding off. For the avoidance of doubt, the Promotional Cashback and the Unlimited Cashback are calculated over different periods (the former is calculated each calendar month and the latter is calculated each statement cycle month) and as such, the Promotional Cashback will not be reflected and credited together with the Unlimited Cashback you are eligible to receive. The Promotional Cashback you are eligible to receive will be credited to your principal Card account by the 30th day of the next calendar month. (To illustrate, any Promotion Cashback earned in April 2018 will be credited by 30 May 2018). Such Promotional Cashback amount will be automatically offset against the credit card statement billed amount for the statement cycle month that includes the date the Promotional Cashback is credited into your principal Card account. Promotional Cashback earned by your supplementary cardholder(s) of the Card will be credited into your principal Card account.
5. The following transactions are not Eligible Foreign Currency Retail Transactions and will not earn Promotional Cashback:
   1. any transactions charged in Singapore Dollars (including but not limited to overseas transactions that are billed in Singapore Dollars, any fees and charges such as annual fees, late payment fees, interest charges, and or finance charges, balance transfer or fund transfer, AXS or ATM transactions made using the Card, tax refunds credited to your Card (and/or your supplementary credit card account), tax payments charged to your Card (and/or your supplementary credit card account));
   2. any cash advance;
   3. any monthly instalment of an EasyPay transaction;
   4. any amount charged to your Card (and/or your supplementary credit card) that is subsequently cancelled, voided, refunded or reversed;
   5. recurring payments or payments made to all billing organisations using Standard Chartered Online Banking;
   6. amounts which have been rolled over from the preceding months’ statements;
   7. any top-ups or payment of funds to any prepaid cards 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
      EZLINKS.COM

6. Refunded transactions will be deducted from the relevant amount previously ascertained to be the sum of that month’s Eligible Foreign Currency Retail Transactions for purposes of computation and award of Promotional Cashback under this Promotion. Any reversed portion of the Promotional Cashback earned will be reflected in the following month’s Card statement.
7. We may retract, deduct, re-compute, withdraw and/or cancel any Promotional 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

8. For purposes of these terms, “month” means a calendar month. and “statement cycle month” means the period from the statement date of a particular month to the day falling one day prior to the statement date of the following month.
9. For any new transaction payable by monthly instalment payments, for purposes of Promotional Cashback, if you charge the total amount in respect of such Eligible Foreign Currency Retail Transaction to your Card within a particular month where such total amount is successfully converted to monthly instalments at a later date by us, the total amount charged (and not the converted monthly instalment amount) will qualify for Promotional Cashback provided that (i) such new transaction payable by monthly instalment payment is a Eligible Foreign Currency 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 Promotional Cashback for such months in which the relevant instalment amount is posted.
10. We are not responsible and accept no liability for any failure or delay in the transmission of a transaction and/or Eligible Foreign Currency Retail Transaction by any party (including but not limited to Mastercard/Visa acquiring merchants, merchant establishments, or any telecommunication provider) for whatsoever reason.
11. 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 Promotional Cashback. In the event that your Card account is delinquent, terminated or suspected for any reason whatsoever before the Promotional Cashback is credited into your Card account, we reserve the right to forfeit such Promotional Cashback at our sole discretion without prior notice.
12. We accept no liability for any late submission of any transaction and/or Eligible Foreign Currency Retail Transaction by any merchant for whatsoever reason.
13. Any Promotional Cashback, if credited to your Card account for any of the transactions listed under Clause 5, will be reversed at our sole discretion without prior notice.
14. 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 Promotional Cashback. In the event that your Card account is delinquent, terminated or suspended for any reason whatsoever before the Promotional Cashback is credited into your Card account, we reserve the right to forfeit such Promotional Cashback at our sole discretion without prior notice.
15. The Card is excluded from earning rewards under the Standard Chartered 360° Rewards Programme.
16. Unless otherwise stated, this Promotion is not valid with other offers, discounts, rebates, vouchers, privileges or promotions. This Promotion is valid in conjunction with the Credit Cards Sign-Up Promotion Terms and Conditions (the terms and conditions of which can be found here), the Standard Chartered and Uber 2017/2018 Promotion (the terms and conditions of which can be found here), the Standard Chartered Caltex 2018 Promotion (the terms and conditions of which can be found here) and The Good Life® 2018 Promotion (the individual merchant and general terms and conditions of which can be found here).
17. We reserve the right to vary, modify, and amend any of these terms, including but not limited to the right to
    1. extend, shorten or terminate this Promotion;
    2. vary the rate of Promotional Cashback; and
    3. vary the basis of calculation of Promotional Cashback and the retail transactions which are not Eligible Foreign Currency Retail Transactions);
       from time to time without prior notice or reason.
       You agree that you are bound by such variations, modifications, and amendments.
18. We reserve the right to determine at our sole and absolute discretion all matters arising out of or in connection with the Promotion. Our determination of all matters relating to this Promotion shall be final and conclusive, final and binding on you and your supplementary cardholders and no correspondence will be entertained.
19. Except for death or personal injury caused by the negligence of Standard Chartered Bank (Singapore) Limited (the “Bank”), to the fullest extent permitted by law, the Bank accepts no liability for the goods and services provided by any merchant or service provider. In case of any disputes, the decision of the Bank and the respective merchants shall be final.
20. In the event of any inconsistency between these 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.
21. By participating in 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 to contact you about products and promotions offered by the Bank 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.
22. These Standard Chartered Unlimited Foreign Currency Promotion Terms and Conditions are to be read in conjunction with our Standard Chartered Unlimited Cashback Credit Card Terms and Conditions, 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.
23. 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.
24. 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.
25. All information is accurate at the time of publication.