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Standard Chartered Credit Card Member-Get-Member Programme Promotion Terms and Conditions

  1. This Standard Chartered Credit Card Member-Get-Member Programme Promotion (the “Promotion”) is valid from 15 January 2020 to 15 March 2020, both dates inclusive (“Promotion Period”). By participating in this Promotion, you agree to be bound by these Promotion terms and conditions.
  2. The Promotion is only open to existing principal cardholders of credit cards issued by Standard Chartered Bank (Singapore) Limited (“Bank” or “Standard Chartered”) who, during the Promotion Period, successfully refer any family member or friend (such referred individual to be termed as a “Referred Individual”) to the Bank to sign up for at least 1 Eligible Card (as defined herein) (hereafter, such existing principal cardholder being referred to as “you” or “Existing Customer”). An “Eligible Card” for the purposes of the Promotion is:
    1. Unlimited Cashback Credit Card;
    2. Rewards+ Credit Card;
    3. Spree Credit Card; or
    4. Visa Infinite X Credit Card.
  3. Prior to referring a Referred Individual to the Bank, you must:
    1. consent to the Bank disclosing your name, and the fact that you hold at least 1 credit card issued by the Bank to the Referred Individual;
    2. inform the Referred Individual that cashback will be accorded to you if these Promotion terms and conditions are complied with; and
    3. inform, and obtain the consent of, such Referred Individual that the application status of their Eligible Card(s) with the Bank would be disclosed to you by virtue of whether you receive cashback under this Promotion.
  4. A referral will be considered successful when:
    1. the Existing Customer, during the Promotion Period:
      1. completes the referral form found on the dedicated promotion page for this Promotion, then clicks the “Generate URL” button, successfully generates a unique URL (“Page URL”) and successfully shares the Page URL with a Referred Individual, by sending the Page URL to the Referred Individual via SMS and/or other messaging mobile applications and/or electronic mail (“Communication Channels”); or
      2. logs into Standard Chartered Mobile App, clicks on the Promotion banner in Standard Chartered Mobile App, clicks “continue” on the pop-up window and successfully shares his/her unique URL that is generated via a pop-up window (“Mobile URL”) with a Referred Individual, by sending the Mobile URL to the Referred Individual via any of the Communication Channels.
    2. the Referred Individual applies for at least 1 Eligible Card through the Mobile URL or Page URL sent to him/her by the Existing Customer;
    3. the Bank receives the Referred Individual’s application for the Eligible Card within the Promotion Period. Notwithstanding the foregoing, the Bank may continue to process any application received by the Bank for up to 14 calendar days after the end of the Promotion Period, and the Bank 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 Promotion terms and conditions;
    4. the application for the Eligible Card is approved by the Bank, and such approval is final and unconditional;
    5. the Referred Individual must activate the Eligible Card within 30 calendar days from the card approval date;
    6. the Eligible Card account must, within six (6) 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; and
    7. the Referred Individual is:
      1. at least 21 years old as at the Referral Date (as defined in Clause 5 below); and
      2. not an existing principal cardholder of any credit card issued by the Bank as at the Referral Date (as defined in Clause 5 below), and/or must not have any existing or previously cancelled credit card issued by the Bank in the last 12 months prior to the Referral Date (as defined in Clause 5 below).
  1. For the purposes of the Promotion:
    1. a “Mobile URL” and “Page URL” shall each be referred to as a “Unique URL”; and
    2. the “Referral Date” is the date on which the Referred Individual applies for an Eligible Card using the Unique URL that the Existing Customer has shared with him/her.

Cashback to be received by the Existing Customer

  1. If Clauses 2, 3 and 4 stipulated above are fulfilled, the Existing Customer will receive S$128 cashback (the “Referral Cashback”) per Referred Individual from the Bank. The Existing Customer will only be able to receive a maximum of S$128 per Referred Individual, regardless of the total number of applications for Eligible Cards, by the Referred Individual, that are approved.
  2. If more than one (1) Existing Customer refers the same Referred Individual to the Bank during the Promotion Period under the Promotion, only one (1) Existing Customer will be eligible for the Referral Cashback. Only the Existing Customer whose Unique URL has been used by the Referred Individual to make the application for an Eligible Card will be eligible for the Referral Cashback. In the event of any dispute, the Bank shall have the sole and absolute discretion to determine which Existing Customer is eligible for the Referral Cashback.
  3. If a particular Referred Individual, pursuant to the Promotion, applies for more than one (1) Eligible Card during the Promotion Period, only one (1) Eligible Card application will be eligible for the Referral Cashback. The Referral Cashback will only be awarded for the application for an Eligible Card which the Bank approves first, pursuant to this Promotion, and will only be awarded to the Existing Customer whose Unique URL has been used by the Referred Individual to submit the application. In the event of any dispute, the Bank shall have the sole and absolute discretion to determine which Eligible Card application is eligible for the Referral Cashback.
  4. In addition to the Referral Cashback (as defined at Clause 6), the top three Existing Customers who successfully refer the greatest number of Referred Individuals during the Promotion Period in accordance with Clauses 2, 3 and 4 above (each a “Top Existing Customer”)will be eligible to receive an additional S$888 cashback (the “Top Referral Cashback”). The Bank shall have the sole and absolute discretion to determine which Existing Customer is eligible for the Top Referral Cashback.

 Cashback to be received by the Referred Individual

  1. If the first Eligible Card the Referred Individual applies for, pursuant to this Promotion, is an Unlimited Cashback Credit Card, Rewards+ Credit Card or Spree Credit Card (collectively “Eligible Referred Cards”), the cashback that the Referred Individual is eligible to receive for the first of the Eligible Referred Cards that he/she applies for pursuant to this Promotion, consists of the following:
    1. if the Referred Individual’s application for the first of such Eligible Referred Cards satisfies all the terms and conditions of the Credit Card Sign-Up Promotion (as set out in the Credit Card Sign-Up Promotion Terms and Conditions found here), he/she will be eligible to receive a S$80 cashback (“New CC Cashback”); and
    2. if the Referred Individual’s application for the first of such Eligible Referred Cards also fulfils the eligibility criteria of this Promotion as set out at Clauses 2, 3 and 4 above, he/she will be eligible to receive an additional S$48 cashback (the “Referred Sign Up Cashback”).
  2. If the first Eligible Card the Referred Individual applies for, pursuant to this Promotion, is the Visa Infinite X Credit Card and if the Referred Individual’s application for such Visa Infinite X Credit Card fulfils the eligibility criteria of this Promotion as set out at Clauses 2, 3 and 4 above, he/she will be eligible to receive a S$128 cashback (the “X Card Referred Sign Up Cashback”). For the avoidance of doubt, such a Referred Individual (as described in this Clause 11) is neither entitled to receive the New CC Cashback nor the Referred Sign Up Cashback and a Referred Individual’s application for the Visa Infinite X Credit Card is not subject to the terms and conditions of the Credit Card Sign-Up Promotion.
  3. For the avoidance of doubt, the New CC Cashback as defined at Clause 10(a) above is identical to the New CC Cashback as defined at Clause 3 of the Credit Card Sign-Up Promotion Terms and Conditions and a Referred Individual is only entitled to receive the New CC Cashback once.

Cashback Cap

  1. For the avoidance of doubt, the New CC Cashback is subject to the cashback caps as defined at Clause 5 of the Credit Card Sign-Up Promotion Terms and Conditions. The Referred Sign Up Cashback and X Card Referred Sign Up Cashback are not subject to, and will not be counted towards the aforementioned cashback caps.

Crediting of Cashback

  1. The Referral Cashback will be credited into one of the Existing Customer’s Standard Chartered Credit Card account(s) with the Bank, within 60 working days from date of activation of the Referred Individual’s first Eligible Card which the Bank approves pursuant to this Promotion, subject to such Existing Customer’s Eligible Card account being valid and in good standing at the time the Referral Cashback is credited. The Referral Cashback which is to be awarded to an Existing Customer will be forfeited if the Existing Customer’s Eligible Card account with the Bank is suspended, closed or the Existing Customer is in breach of our banking agreement. For the avoidance of doubt, the Bank has the discretion to decide which account the Referral Cashback will be credited into.
  2. The Top Referral Cashback will be credited into one of the Top Existing Customer’s Eligible Card account(s) with the Bank, within 90 working days from date of activation of the Referred Individual’s first Eligible Card which the Bank approves pursuant to this Promotion, subject to such Top Existing Customer’s Eligible Card account being valid and in good standing at the time the Top Referral Cashback is credited. The Top Referral Cashback which is to be awarded to a Top Existing Customer will be forfeited if the Top Existing Customer’s Eligible Card account with the Bank is suspended, closed or the Top Existing Customer is in breach of our banking agreement. For the avoidance of doubt, the Bank has the discretion to decide which account the Top Referral Cashback will be credited to.
  3. The New CC Cashback, Referred Sign Up Cashback and X Card Referred Sign Up Cashback will be credited as follows:
    1. the New CC Cashback will be credited, at the Bank’s sole and absolute discretion, to one (1) of the Referred Individual’s Eligible Card account(s), which is valid and in good standing at the time the New CC Cashback is credited, within 30 working days from the date of activation of the Referred Individual’s Eligible Card;
    2. the Referred Sign Up Cashback will be credited, at the Bank’s sole and absolute discretion, to one (1) of the Referred Individual’s Eligible Card account(s), which is valid and in good standing at the time the Referred Sign Up Cashback is credited, within 60 working days from the date of activation of the Referred Individual’s Eligible Card; and
    3. the X Card Referred Sign Up Cashback will be credited, at the Bank’s sole and absolute discretion, to his/her Visa Infinite X Credit Card account, which is valid and in good standing at the time the X Card Referred Sign Up Cashback is credited, within 60 working days from the date of activation of the Referred Individual’s Visa Infinite X Credit Card.
  4. The New CC Cashback, Referred Sign Up Cashback and/or X Card Referred Sign Up Cashback will be forfeited if the relevant Eligible Card account(s) with the Bank referred to in Clause 16 above is suspended, closed, not in good standing or the Referred Individual is in breach of our banking agreement at the time the New CC Cashback, Referred Sign Up Cashback and/or X Card Referred Sign Up Cashback is credited.
  5. The New CC Cashback (as defined at Clause 10(a) above) awarded must be utilised within six (6) months from the date the New CC Cashback is credited to the Referred Individual’s Eligible Card, failing which, any unused portion of the cashback may be forfeited.
  6. In the event that any of the Existing Customer’s Eligible Card accounts is not valid (i.e. the Eligible Card account must not be suspended, cancelled and/or terminated), not in good standing, or not conducted in a proper and satisfactory manner as determined by Standard Chartered in its sole and absolute discretion, prior to receiving the Referral Cashback and Top Referral Cashback (where relevant), the Existing Customer will be considered as disqualified from this Promotion and the Referral Cashback and Top Referral Cashback (where relevant) will be forfeited.
  7. The Bank reserves the right to:
    1. decline to credit the Referral Cashback, Top Referral Cashback, the Referred Sign Up Cashback and X Card Referred Sign Up Cashback or cancel the credit of the Referral Cashback, Top Referral Cashback, the Referred Sign Up Cashback and X Card Referred Sign Up Cashback, in the event that the Bank determines that any of the requirements or the terms of our banking agreement had not been complied with, including but not limited to the following:
      1. where the Existing Customer has acted fraudulently or dishonestly;
      2. where the Existing Customer had conducted himself / herself in bad faith or otherwise in an inappropriate manner to gain an unfair advantage against the Bank; and/or
      3. upon the occurrence of any event giving rise to a right for the Bank to suspend or terminate any (or all) of our banking agreement for a product, as set out at Clause 29.3 and Clause 33 of our Customer Terms and elsewhere in our banking agreement; and
    2. where the Referred Individual fails to meet the requirements set out in Clause 4 above, the Bank may decline to credit the Referral Cashback, Top Referral Cashback, the Referred Sign Up Cashback and X Card Referred Sign Up Cashback, cancel the credit of the Referral Cashback, Top Referral Cashback, the Referred Sign Up Cashback and X Card Referred Sign Up Cashback, and/or substitute the Referral Cashback, Top Referral Cashback, the Referred Sign Up Cashback and X Card Referred Sign Up Cashback with a lower value reward.

General

  1. 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 this Promotion shall be final and conclusive and no correspondence will be entertained.
  2. The Bank further reserves the right to do any of the following at any time without prior notice:
    1. make any changes to the Promotion and/or replace the Referral Cashback, Top Referral Cashback, the Referred Sign Up Cashback and X Card Referred Sign Up Cashback with another reward of equivalent or similar value; or
    2. vary, modify, add, delete or otherwise revise any of these Promotion terms and conditions, including termination or withdrawing the Promotion, or to extend or shorten the Promotion Period at any time at the Bank’s sole discretion, with or without prior notice or reason.

You understand and agree to be bound by any variation to these terms.

  1. 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.
  2. By participating in the Promotion, you consent to the use of your personal data by the Bank 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 electronic direct mailer.
  3. Please read these Promotion terms and conditions together with our Customer Terms, Credit Card Terms, Credit Card Sign-Up Promotion Terms and Conditions, Unlimited Cashback Credit Card Terms and Conditions, Rewards+ Credit Card Promotion Terms and Conditions, Spree Credit Card Terms and Conditions, Visa Infinite X Credit Card Terms and Conditions and any other specific product terms that may be applicable in relation to this Promotion (collectively, “Other Terms”). If there is any inconsistency between these Promotion terms and conditions and the Other Terms, these Promotion terms and conditions shall, to the extent of such inconsistency, prevail.
  4. A person who is not a party to these terms and conditions has no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of these Promotion terms and conditions.
  5. These 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.
  6. All information is correct at the time of publication.