1. These Standard Chartered Instant Approval Terms and Conditions (“Instant Approval Terms and Conditions”) are applicable from 2 September 2019 (inclusive of this date).
2. By submitting an Application (as defined at Clause 3a below), you agree to be bound by these Instant Approval Terms and Conditions.
3. For the purposes of these Instant Approval Terms and Conditions:
   1. An “Application” means an application which is:
      1. submitted at https://www.sc.com/sg/credit-cards/or via the SC Mobile app which is for:
         1. an Eligible Card (as defined at Clause 3b below) as a principal Cardholder;
         2. a Credit Card Funds Transfer offered by Standard Chartered Bank (Singapore) Limited (“Standard Chartered” or the “Bank”); or
         3. a CashOne Personal Loan offered by Standard Chartered; or
         4. A Credit Card Credit Limit Review offered by Standard Chartered.
         5. An SC Anytime Cash offered by Standard Chartered
      2. submitted at https://www.sc.com/sg/save/ or via the SC Mobile app for any of the following current/cheque accounts, time deposits and savings accounts offered by Standard Chartered:
         1. e$aver Account, from 21 October 2019 (inclusive of this date) onwards.
         2. MyWay Savings Account, from 21 October 2019 (inclusive of this date) onwards.
         3. USD$aver Account, from 21 October 2019 (inclusive of this date) onwards.
         4. FCY$aver Account, from 21 October 2019 (inclusive of this date) onwards.
         5. Jumpstart Account, from 23 October 2019 (inclusive of this date) onwards.
         6. Singapore Dollar Cheque & Save account  Account from 16 April 2020 (inclusive of the date) onwards
         7. SuperSalary Account from 23 April 2020 (inclusive of the date) onwards
         8. XtraSaver Account from 23 April 2020 (inclusive of the date) onwards
         9. Bonus$aver Account from 19 October 2020 (inclusive of this date) onwards.
         10. Unlimited$aver Account from 19 October 2020 (inclusive of this date) onwards.
   2. An “Eligible Card” means any of the following credit cards issued by Standard Chartered:
      1. Simply Cash Credit Card
      2. Rewards+ Credit Card;
      3. Spree Credit Card;
      4. NUS Alumni Platinum Credit Card;
      5. Prudential Platinum Credit Card;
      6. Visa Infinite Credit Card; or
      7. X Credit Card.
      8. Bonus$aver World Mastercard Credit Card.
4. Your Application may be instantly approved by Standard Chartered, which means that final and unconditional approval may be provided immediately after you submit the Application (“Instant Approval”), if the Application satisfies the Bank’s eligibility criteria, including our credit and risk management policies, as well as prevailing laws and regulations. For the avoidance of doubt, the Bank reserves the right to reject any Application which does not fulfil our criteria at our sole and absolute discretion. The Bank shall not be obliged to disclose the reason(s) for the rejection of an Application or the Bank’s failure to provide Instant Approval for an Application.
5. In the event the Bank is unable to process your Application due to system failure, system outage, malfunction, delay or any other circumstances whatsoever, whether within our reasonable control or otherwise, the Bank will not be able to provide Instant Approval, and the Bank disclaims all liability arising for any such delay including any loss, damage or inconvenience caused to/incurred by you the applicant, or any third party arising from or in connection therewith.
6. The Bank may vary, modify, add, delete or otherwise revise any of the terms and conditions governing the Instant Approval Terms and Conditions or terminate, withdraw or suspend the service at any time at the Bank’s sole discretion, with or without prior notice or reason.
7. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the service, including your eligibility for the Application. The Bank’s determination of all matters relating to this service shall be final and binding and no correspondence will be entertained.
8. The Bank 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. The Bank is not an agent of any merchant or service provider or vice versa.
9. These Instant Approval Terms and Conditions are to be read in conjunction with our Customer Terms, Credit Card Terms, Current/Cheque/Savings Account and Time Deposit Terms, and any other specific product terms that may be relevant in connection with this Instant Approval Terms and Conditions (collectively, “Other Terms”). In the event of any inconsistency between these Instant Approval Terms and Conditions and the Other Terms, these Instant Approval Terms and Conditions prevail only to the extent of such inconsistency.
10. 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, by reason of the Instant Approval.
11. A person who is not a party to these Instant Approval Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of these Instant Approval Terms and Conditions.
12. These Instant Approval 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.
13. All information is accurate as at the date of publication.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.