Eligibility

1. The Scratch & Win Promotion (“Promotion“) is available from 10 June 2026 to 18 August 2026 (both dates inclusive) (“Promotion Period“). The Promotion is open to:

1. 1. all principal cardholders of credit cards issued by Standard Chartered Bank (Singapore) Limited (each a “Card“, collectively “Cards“),
   2. Customers (“Existing Customers“) of Standard Chartered Bank (Singapore) Limited (the “Bank” or “we“) who are at least 21 years old and hold valid Singapore Dollar Deposit account(s) (collectively, referred to as “Eligible Deposit Account(s)”) as a primary account holder as of 10 June 2026, or hold valid investment account(s) (collectively, referred to as “Eligible Investment Account(s)”) and
   3. New customers (“New Customers“), who are at least 21 years old, as a main account holder for one of the Eligible Deposit Accounts or as a principal cardholder of a Card issued by the Bank and the applications for Eligible Deposit Account or Card must be approved by the Bank during the Promotion Period.

For the purposes of the Promotion, a customer who fulfils the above criteria shall be referred to as an “Eligible Customer“, and collectively such customers shall be referred to as the “Eligible Customers“. By participating in the Promotion, Eligible Customers 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 The Good Life® Programme.

3. For an Eligible Customer to be eligible for the Promotion, his/her Card and Eligible Deposit 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)) from 10 June 2026 to 31 December 2026.

Participation

4. To participate in the Promotion, an Eligible Customer must be a registered and valid user of the Standard Chartered Mobile Banking app (“SC Mobile app“) and have enabled the option to receive Push Notification on his/her mobile phone and SC Mobile app (in particular, Banking and Offer alerts).

5. To successfully register for the Promotion, an Eligible Customer must register for the Promotion during the Promotion Period, by clicking on the ‘Register now‘ button found in a Push Notification summarising the details of the Promotion or any of the entry points made available via SC Mobile app (“Promotion Invitation“). For the avoidance of doubt, the Promotion Invitation will only be broadcasted from 10 June 2026 onwards, and the frequency of such broadcast will be at the Bank’s determination.

6. Upon clicking on the ‘Register Now’ button in the Promotion Invitation, all of the Eligible Customer’s validly existing Card(s) and Account(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 customer hereinafter referred to as a “Registered Customer“) immediately.
7. Eligible Customer is required to register only once to participate in the promotion.

8. If the Eligible Customer misses the initial Push Notification, he/she may access the Promotion Invitation through the following alternatives within SC Mobile App:
   1. notification inbox, or;
   2. ‘Discover’ tab
9. 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.

10. The speed and reliability of service of the Eligible Customer’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 Customers shall be solely responsible for all fees and charges imposed by their service providers in relation to the registration for the Promotion.

11. By registering for and participating in the Promotion, the Registered Customer 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 Registered Customer. Such consent will also prevail even if the Registered Customer is registered or subsequently registers his/her contact information with the national Do Not Call Registry.

Promotion Mechanics

12. To earn scratch cards that enables Eligible customers to win a chance for the Lucky Draw Prize (as defined in Clause 24 below) and/or the Prizes under the Promotion, the Registered Customer must, during the Promotion Period, make at least one of the following qualifying transactions (“Qualifying Transaction“). The number of scratch cards earned will vary based on customer segment. Customers will be classified as either “Standard” or “Priority“, where Priority refers to Priority Banking, Priority Private and Private Banking clients:

Sample Scenarios:

Note:

• For “Limited-time” quests, both Standard and Priority customers earn the same number of scratch cards
• Priority customers generally earn more scratch cards for “Grow with us” and “Spend with us” categories
• Each qualifying transaction earns scratch cards independently and can be combined

13. To meet the “SC Shop and Earn” Criteria in Clause 12 above, Registered Customers must make a Qualifying Transaction and the scratch card will be issued based on “Pending” status for an Eligible Transaction made on the SCBSL SC Shop and Earn Programme on SC Mobile. Please refer to SC Shop and Earn Programme Terms and Conditions for more details on the Cashback earned from SC Shop and Earn.

14. To meet the “Increase SGD Deposit Account(s) balances by S$20,000 or more monthly “ under Clause 12 , “ the Registered Customer’s combined Average Daily Balance (ADB) on all Eligible Deposit Account(s) during June 2026, July 2026 or August 2026 calendar month must be at least S$20,000 higher than the combined ADB in the previous calendar month.  If this criterion is met, the scratch card will be issued to the Registered customer within the next 2 weeks after the assessment is complete.

For avoidance of doubt, Registered customers who meet the increase SGD Deposit Accounts balances by S$20,000 or more in August 2026 will receive the scratch cards by 15^th September 2026.

15. To meet the “EasyPay on Transaction” Criteria in Clause 12 above,
    1. the Registered Customer must be a principal cardholder of a SC Credit Card;
    2. the Registered Customer must submit an application(s) for a EasyPay on Transaction Programme (“EOT”) with the Bank during the Promotion Period via the Bank’s SC Mobile or Online Banking platforms (“Application”);
    3. the Application is subjected to a one-time processing fee as defined in Clause 11 of the EasyPay on Transaction Programme Terms and Conditions;
    4. the Registered Customer will receive a notification via email about their application(s) status within 3-5 working days; and
    5. the Bank must receive and approve the Registered Customer’s Application during the Promotion Period;

If the above criteria are met and account remains in good standing, the respective chances as stipulated in Clause 12 will then be issued to the Registered customer.

16. The following transactions will be excluded from the EasyPay on Transaction Criteria in Clause 12 above,
    1. Easypay On Transaction for Deposit Account Transactions
    2. EasyBill transactions that have been converted into instalments with EasyPay on Transaction within the same EasyBill application journey

17. To meet the “EasyPay on Balance” Criteria in Clause 12 above,
    1. the Registered Customer must be a principal cardholder of a SC Credit Card;
    2. the Bank must receive and approve an application(s) for the EasyPay on Retail Balances Programme (“EOB”) with the Bank during the Promotion Period;
    3. for the avoidance of doubt, regardless of whether the Online Submission is approved or rejected, the Registered Customer is still required to make payment on the total outstanding balances and/or minimum payment due reflected on the Registered Customer’s credit card statement(s) by the payment due date, failing which interest and/or late payment and finance charges may apply; and
    4. the EasyPay on Retail Balances application is subject to a zero or a nominal processing fee. The EasyPay Retail Balance Amount is subject to an Effective Interest Rate (EIR), which will be indicated on the Registered Customer’s Programme approval letter. This letter indicating the instalment amount and EIR will be sent to the Registered Customer by mail or such other method as deemed fit by the Bank.

If the above criteria are met and account remains in good standing, the respective chances as stipulated in Clause 12 will then be issued to the Registered Customer.

18. “Outgoing PayNow” refers to PayNow transactions made from Eligible Deposit Account(s). To meet the “outgoing PayNow transaction” Criteria in Clause 12 above, the outgoing PayNow transfers must be of minimum S$50. Only 1 eligible transaction per day.

19. “SC Mobile rating” refers to a rating submitted on your SC Mobile experience on the Promotions page.

20. For avoidance of doubt, the Credit Card spends (“Spend Amounts”) mentioned above would include local and foreign currency across any of his/her Registered Card(s). For purposes of the Promotion, Spend Amounts are retail transactions that:
    1. have a transaction date falling within the Promotion Period;
    2. have been successfully posted (not in ‘Pending’ or ‘Unposted’ status) to the Registered Card account by the end of the Promotion Period; and
    3. are not excluded transactions (as set out at Clause 40 below).

For the avoidance of doubt, each qualifying transaction must meet the minimum spend requirement of S$50 per transaction across any of the customer’s Registered Card(s). This will include any reversals made. Please refer to the scenario shown within Clause 12.

21. To meet the “New Investment account” and “Invest” Criteria in Clause 12 above, the definitions of the respective Eligible Investment Product and Eligible Qualifying Transaction are specified in the table below.

Investment Disclaimers:

Investment Products This document is being distributed for general information only and does not constitute an offer, recommendation or solicitation of an offer to enter into a transaction or adopt any hedging, trading or investment strategy, nor does it constitute any prediction of likely future movements in rates or prices. It has not been prepared for any particular person or class of persons and does not constitute and should not be construed as investment advice nor an investment recommendation. It has been prepared without regards to the specific investment objectives, financial situation or particular needs of any person. You should seek advice from a financial adviser on the suitability of an investment for you, taking into account these factors before making a commitment to invest in an investment. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether this investment is suitable for you.

You are fully responsible for your investment decision, including whether the Eligible Investment Product is suitable for you. The products / services involved are not principal-protected and you may lose all or part of your original investment amount.

22. To meet the “360° Rewards Points” Criteria in Clause 12 above,
    1. the Registered Customer must be a principal cardholder you must be a principal cardholder holding a Standard Chartered VISA or Mastercard credit card (excluding Simply Cash Credit Card, Spree Credit Card, Cashback Visa Gold, Cashback Mastercard Gold, the MANHATTAN Cards (S$500 Card/Gold/ Platinum/ World Mastercard, and co-brand card) issued in Singapore which is valid, subsisting and in good standing;
    2. the Registered Customer must redeem 50,000 360° Rewards Points in full for either e-Voucher(s) or cash credit via 360° Rewards Redemption Platform;

Please refer to Part D – Standard Chartered 360° Rewards Programme of the Credit Card Terms for more details.

23. For general Priority Banking Terms and Conditions, please refer to https://www.sc.com/sg/terms-and-conditions/priority/.

24. For the purposes of the Promotion, amounts charged to a Card, any new credit card account, investment account or deposit account opened, any change in banking status, any investment made, any PayNow made, any EasyPay approved or any incremental fresh funds, made before the registration for the Promotion is successfully completed, will not be considered a Qualifying Transaction.

25. Eligible transactions or scratch cards won may take up to 3 business days (T+3) to be reflected in the campaign.

Game Mechanics

26. The Eligible Customers of each winning QualifyingTransaction (“Winning Customers”) will win one of the following prizes:
    1. S$3 cashback;
    2. S$5 cashback
    3. S$10 cashback
    4. S$20 cashback
    5. 20 miles (fulfilled in equivalent SCB 360° Rewards Points)
    6. 40 miles (fulfilled in equivalent SCB 360° Rewards Points)
    7. 50 miles (fulfilled in equivalent SCB 360° Rewards Points)
    8. 100 miles (fulfilled in equivalent SCB 360° Rewards Points)
    9. 200 miles (fulfilled in equivalent SCB 360° Rewards Points)
    10. Designer Travel Luggage
    11. Sony WF-C500 wireless earbuds
    12. com Free upgrade to Diamond Tier status
    13. com Free upgrade to Diamond Tier status + S$250 off S$5,000 flight bookings on Trip.com
    14. 1 (One) pair of First Class round trip tickets to Beijing in the form of 225,000 KrisFlyer miles
    15. Economy Class round trip tickets for Two to:
        1. Bali
        2. Hong Kong
        3. Taipei
        4. Shanghai

(Each a “Prize” and collectively, “Prizes”). For the avoidance of doubt, if a Eligible Customer does not receive any Push Notification, he/she will not be entitled to any of the Prizes above.

Refer to Scratch & Win Promotion Gifts Terms and Conditions.

27. There will be a total of 848,200 Prizes available to be won for the Promotion, in the following quantities:

28. The Promotion is subject and limited to the availability of the Prizes above, and Winning customer(s) do not get to choose the colour of any of the Prizes.

29. We reserve the discretion to change any of the Prize allocation mechanics without giving prior notice or reason.

30. Each Prize will be credited to the Winning Customer’s Registered Card account with the highest cumulative spend in Qualifying Transactions during the Promotion Period by 30 November 2026 (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). The Bank will inform him/her that the Prize has been credited to his/her Registered Card account via any of the communication channels by the Bank. The details of the Prize amount will be reflected in the Winning Customer’s next Credit Card Statement of Account from the notification received. For the Winning Customers who have won SCB 360° Rewards Points as Prizes, it will be credited to any of the Cardholder’s SCB 360° Rewards Points earning Credit Card. If the Winning Customer does not have a SCB 360° Rewards Points earning Credit Card, he/she will be credited the cashback equivalent of the SCB 360° Rewards Points (Please refer to Clause 21 of the Credit Card Terms).

31. For avoidance of doubt, only Prizes that have been claimed by Winning Cardholders will be credited to his/her Registered Card account. For Winning Customers without a Credit Card, the equivalent cashback and/or Reward Points will be credited to his/her existing Eligible Deposit account with the Bank. To claim the Prize, Winning Cardholders need to play the game received via the Push Notification or within the campaign page on SC Mobile. Any unclaimed Prize will not be credited to the Winning Customers.

General

32. The Prizes awarded under the Promotion are strictly non-transferable and non-exchangeable for cash or credit or otherwise.

33. No payment or compensation whether in cash, credit or kind shall be made for any lost, misplaced or stolen Prizes.

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

35. Eligible Customers 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) and/or Push Notification(s) to them.

36. In the event that the Registered Customer 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 Prize given to him/her under this Promotion. At the time of crediting of the Prize, 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 Prize will be forfeited and the Bank shall also be entitled to recover the whole or any part of the Prize (or such equivalent value) given to him/her.

37. For the purposes of this Promotion, the transactions listed in https://www.sc.com/sg/terms-and-conditions/cc-retail-transaction-exclusions/will not be considered as Qualifying Transactions.

38. For retail transactions charged to a Registered Card which are successfully converted into monthly instalments, we will use the initial total amount charged, subject to clause 15 and/or 17, and not the subsequent monthly instalment amount (converted monthly instalment amount) to determine if a Registered Cardholder has met the Spend Amounts, provided such transaction is a Qualifying Transaction.

39. For all non-Singapore dollar retail 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 made the eligible Spend Amounts, provided such transaction is not an Excluded Transaction.

40. All eligible retail transactions must be charged and posted to the Registered Card by the end of 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.

41. Eligible retail transactions charged to and posted to the card accounts of all supplementary cards linked to a Registered Card will be treated as an eligible retail transaction made by the principal Registered Cardholder on the relevant principal Registered Card for the purposes of the Promotion.

42. 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).

43. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the Promotion, including the Registered Cardholder’s eligibility and the allocation for the Prize. The Bank’s determination of all matters relating to the Promotion shall be final and conclusive and no correspondence will be entertained.

44. Without prejudice to Clause 39 in the event the Bank has determined (in the Bank’s sole and absolute discretion) that a Registered Customer is not eligible to receive the Prize or to participate in the Promotion or has irregularly or wrongly redeemed the Prize, or where the Bank has knowledge of subsequent events which would mean that the Registered Customer would not have been entitled to redeem the Prize (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 Prize or to deduct its value (or such other amount as it deems fit) from the Registered Customer’s account(s) with the Bank.

45. 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 Prize and/or this Promotion.

46. For the avoidance of doubt, the Bank is not an agent of any of the merchants in Clause 27.The Bank makes no warranty or representation as to the quality, value, merchantability or fitness for the purpose of the Promotion and assume no liability or responsibility for the acts or omissions of the merchant(s), its employees, agents and/or officers or any non-performance or defects whatsoever, whether arising from the services provided by the merchants or otherwise. Any dispute about the quality, value, condition or performance of the services received from the merchant is to be resolved directly between you and the merchant. The Bank is not obliged to assist or act on your behalf in communicating with the merchant for any reason. You accept the Grand Prize as it is and subject to any terms and conditions the merchant may impose.

47. The Promotion Terms and Conditions are to be read together with our Customer Terms, Credit Card Terms, EasyPay on Transaction Programme Terms and Conditions, The Personal Loan / Personal Line of Credit / Overdraft Terms, the CashOne Product Terms and/or the Credit Card Credit Card Instalment Loan Product Terms (as the case may be) , individual merchant and general terms for The Good Life® Programme 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.

48. 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.

49. A person who is not a party to the Promotion Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any of the Promotion Terms and Conditions.
50. 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.

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

Deposit Insurance Scheme

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

Updated as of 10 June 2026