Eligibility

1. The Fros’ Journey 2021 Promotion (“Promotion”) is available from 1 November 2021 to 31 December 2021 (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 the 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 the Promotion 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 and Caltex 2021 Promotion (the terms and conditions of which can be found here), and Standard Chartered 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 the 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 2021 to 28 February 2022 (both dates inclusive).

Participation

4. To participate in the Promotion, an Eligible Cardholder must be a registered and valid user of the Standard Chartered Mobile Banking App (“SC Mobile”) and have enabled the option to receive Push Notification (as defined below) on his/her mobile phone and SC Mobile (Banking and Marketing alerts).

5. To successfully register for the Promotion, an Eligible Cardholder must register for the Promotion during the Promotion Period, by clicking on the ‘Register Here’ button found in a push notification (which is a service provided by Apple and Google for their respective mobile operating systems i.e. iOS and Android respectively, through which an iOS or Android mobile app can send a user (who has installed such mobile app) a notification) (“Push Notification”), with the Push Notification summarising the details of the Promotion (“Promotion Invitation”). For the avoidance of doubt, the Promotion Invitation will only be broadcasted from 1 November 2021 onwards, and the frequency of such broadcast will be at the Bank’s determination.

6. Upon clicking on the ‘Register Here’ button in the Promotion Invitation, all of the Eligible Cardholder’s validly existing Card(s) (i.e. not 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 (and the Bank shall not be obliged to disclose its reason)), 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”) immediately.

7. If the Eligible Cardholder misses the initial Push Notification, he/she may access the Promotion Invitation through the following alternatives within SC Mobile:
   1. notification inbox, or;
   2. ‘Home’ tab, provided that there have been Card transactions incurred on the Registered Card(s) in the last 7 days.
8. The Bank will not accept any registration for the Promotion that is before and/or after the Promotion Period. 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.
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 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 Eligible Cardholder. Such consent will also prevail even if the Eligible Cardholder is registered or subsequently registers his/her contact information with the national Do Not Call Registry.

Promotion Mechanics

11. For purposes of the Promotion, “Qualifying Transactions” are retail transactions that:
    1. have a transaction date falling within the Promotion Period;
    2. have been successfully posted to the Registered Card account during the Promotion Period; and
    3. are not excluded transactions (as set out at Clause 22 below).

12. To qualify for the cashback (“Cashback”) under the Promotion, the Registered Cardholder must, during the Promotion Period, meet at least one of the respective spend amount(s) in Qualifying Transactions (“Spend Amounts”) as set out in the table below, aggregated across his/her Registered Card(s). There are a total of three (3) Tiers, each with a corresponding Cashback Amount to be awarded:

13. When a Registered Cardholder transacts a Qualifying Transaction that causes him/her to cross into any of the 3 Tiers, a real-time Push Notification (“Milestone Push Notification”) will be sent to notify him/her of his/her spends progress in the Promotion. For the avoidance of doubt, the spends information found in a Milestone Push Notification is estimated based on authorised transactions and the final Spend Amount may change if there are reversals or refunds made on the Registered Card. The Bank shall not be responsible for notifying a Registered Cardholder if the final Spend Amount is different than as communicated in a Milestone Push Notification.

14. Subject to clause 15 below, if a Registered Cardholder satisfies the conditions in clause 12 above, and is within the allocated number of qualifiers for any Tier (as determined by the transaction date and time of the Qualifying Transaction which causes the Registered Cardholder to cross into that Tier), then he/she will be entitled to the corresponding Cashback Amount.

15. For the avoidance of doubt, a Registered Cardholder may only receive one (1) of the 3 Cashback Amounts. The maximum amount of Cashback that can be awarded to each Registered Cardholder pursuant to the Promotion is capped at S$250.

16. Registered Cardholders who are entitled to receive any of the Cashbacks will be notified by Push Notification by no later than 28 February 2022. Cashback will be credited by 28 February 2022 to the Registered Cardholder’s Registered Card account with the highest cumulative spend in Qualifying Transactions during the Promotion Period, or such Registered Card account of the Registered Cardholder as the Bank may decide in its sole and absolute discretion (and the Bank shall not be obliged to disclose its reason).

General

17. The Cashback awarded under the Promotion is strictly non-transferable and non-exchangeable for cash or credit or otherwise.
18. No payment or compensation whether in cash, credit or kind shall be made for any lost, misplaced or stolen Cashback.
19. The Bank reserves the right to replace or substitute the 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).
20. Eligible Cardholders who dismiss the Promotion Invitation(s), regardless of whether such dismissal is accidental or not, acknowledge that they do so at their own risk. The Bank bears no responsibility for such dismissal and holds no obligation to reinstate or re-issue the Promotion Invitation(s) to them.

21. 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 Cashback given to him/her under this Promotion. At the time of crediting of the Cashback, 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 (and the Bank shall not be obliged to disclose its reason)), failing which, the Cashback will be forfeited and the Bank shall also be entitled to recover the whole or any part of the Cashback (or such equivalent value) given to him/her.

22. The following transactions charged to a Registered Card will not be considered a 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 are 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 the SC EasyBill bill payment programme;
    8. Any top-ups or payment of funds to any prepaid cards (with the 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), 7995 (Gambling/Lotto) and 6051 (Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Travelers Cheques, and Debt Repayment);
    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.

23. 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 Qualifying Transaction under the Promotion, provided such transaction does not fall within any of the exclusions set out in Clause 22 above.

24. For all non-Singapore dollar 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 met the Spend Amount.

25. All 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.

26. Qualifying Transactions charged to and posted to the card accounts of all supplementary cards linked to a Registered Card will be treated as a Qualifying Transaction made by the principal Registered Cardholder on the relevant principal Registered Card for the purposes of the Promotion.
27. The Bank may vary, modify, add, delete or otherwise revise any of the Promotion Terms and Conditions 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).

28. 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.

29. Without prejudice to Clause 28 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 Cashback or to participate in the Promotion or has irregularly or wrongly redeemed the Cashback, or where the Bank has knowledge of subsequent events which would mean that the Registered Cardholder would not have been entitled to redeem the Cashback (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 Cashback or to deduct its value (or such other amount as it deems fit) from the Registered Cardholder’s account(s) with the Bank.
30. In the event of any inconsistency between the Promotion Terms and Conditions and any brochures, marketing or promotional materials relating to the Promotion, the Promotion Terms and Conditions shall prevail to the extent of such inconsistency.
31. 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 Cashback and/or this Promotion.
32. The 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 the Promotion Terms and Conditions and the Other Terms, the Promotion Terms & Conditions will prevail only to the extent of such inconsistency.
33. A person who is not a party to the 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.

34. The Promotion Terms and Conditions and any dispute or claim arising out of or in connection with the 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.

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

Updated as of 26 October 2021