1. This Standard Chartered Unlimited Card Incremental Cashback Promotion (the “Promotion”) is available from 9 July to 31 July (both dates inclusive) (the “Promotion Period“), unless otherwise extended or otherwise terminated in accordance with these terms and conditions. By participating in this Promotion, you agree to be bound by these terms and conditions.

Eligibility – New credit cardholders

2. To qualify for this Promotion and receive the cashback available as set out in Clause 3 below:
   1. you must apply for a Standard Chartered Unlimited Cashback Credit Card (each an “Eligible Card”) issued by Standard Chartered Bank (Singapore) Limited (“Standard Chartered” or the “Bank”) as a principal cardholder (“Cardholder”) through the online aggregator, MoneySmart Financial Pte. Ltd (url https://www.moneysmart.sg/) during the Promotion Period; and
   2. your Eligible Card application must qualify for the New CC Cashback as defined in the Credit Card Sign Up Promotion Terms and Conditions within 9 July to 31 July 2020.
3. If you satisfy the conditions set out in Clause (2) above, you will be eligible for one of the Incremental Cashback mentioned in the table below on meeting the respective criteria.

4. For Eligible Transactions charged in foreign currency to the Eligible Card, the transaction amount posted in the Eligible Card account (which is inclusive of the exchange rate conversion and commission, if any) will be considered as the amount of the Eligible Transaction for the purpose of calculating eligibility for the Standard Chartered Unlimited Card Incremental Cashback Promotion.
5. An “Eligible Transaction”, for the purposes of this Promotion, is a transaction which is charged and posted to the Eligible Card within 30 days of Eligible Card approval, except that the following transactions will not be considered as Eligible Transactions, for the purposes of this Promotion:
   1. any cash advance;
   2. any fees or charges (including but not limited to annual card fees, service fees, interest charges, cheque processing fees, administrative fees, finance charges, and/or late payment charges and other miscellaneous fees and charges);
   3. any Credit Card Funds Transfer;
   4. any monthly instalment of an EasyPay transaction;
   5. any amount charged to your Eligible Card that is subsequently cancelled, voided, refunded or reversed;
   6. recurring payments (being automatic payments where you (including your supplementary cardholder(s) on your Eligible Card account) have given a one-time authorisation or instruction for the merchant to charge the payment directly to your Eligible Card at a fixed interval, such as transactions made pursuant to Standard Chartered Bank (Singapore) Limited’s 0% Interest Instalment Plan) or payments made to all billing organisations using Standard Chartered Online Banking or mobile app;
   7. AXS, SAM or ATM transactions made using your Eligible Card;
   8. amounts which have been rolled over from any preceding month’s statement; i. tax refunds credited into your Eligible Card account;
   9. any insurance premiums charged to your Eligible Card;
   10. any payments related to betting (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks) through any channel charged to your Eligible Card;
   11. any top-ups or payment of funds to any prepaid cards (with exception of EZ-Reload charged to your Eligible Card) and any prepaid accounts including without limitation:
   12. any transaction classified under either of the following Merchant Category Codes: • Financial Institutions – Merchandise, Services, and Debt Repayment (6012); or • Non-Financial Institutions – Stored Value Card Purchase/Load (6540); and
   13. any top-ups or payment of funds to the following accounts or any other accounts as we may specify from time to time: ·
   14. EZ LINK PTE LTD · EZLINK* · TRANSIT LINK* · EZ LINK PTE LTD (FEVO) · EZ LINK · TRANSIT LINK PL · EZ-LINK PTE LTD SINGAPORE · EZLINKS.COM · TRANSIT · EZ-LINK TOP-UP KIOSK · FLASHPAY ATU · PAYPAL * BIZCONSULTA · EZ-LINK (IMAGINE CARD) · TRANSITLINK* · PAYPAL * CAPITALROYA
   15. any transaction classified under one or more of the following Merchant Category Codes:
       1. 6051 (Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money Orders (Not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment)
       2. 6211 (Security Brokers/Dealers)
       3. 4829 (Money Transfer) and 6513 (Real Estate Agents and Managers)
       4. 8211 (Elementary and Secondary Schools)
       5. 8220 (Colleges, Universities, Professional Schools, and Junior Colleges)
       6. 8241 (Correspondence Schools), 8244 (Business and Secretarial Schools)
       7. 8249 (Vocational and Trade Schools) and 8299 (Schools and Educational Services (Not Elsewhere Classified))
       8. 9211 (Court Costs, Including Alimony and Child Support)
       9. 9222 (Fines), 9223 (Bail and Bond Payments)
       10. 9311 (Tax Payments)
       11. 9399 (Government Services (Not Elsewhere Classified))
       12. 9402 (Postal Services – Government Only) and 9405 (U.S. Federal Government Agencies or Departments); and
   16. any other charges, fees, transactions or payments as we may stipulate from time to time.

Eligibility – CashOne Personal Loan

6. To qualify for the Promotion and receive the Cashback as set out in Clause 3(b) above:
   1. you must apply for a CashOne Personal Loan (“CashOne”), with Standard Chartered;
   2. you must have applied through any of the application channels made available to you by the Bank, online application links sent by the Bank to you through SMS or online channels such as the Bank’s website or aggregator websites or electronic direct mailers sent by the Bank to you;
   3. the application must be approved by the Bank; and
   4. the approved loan amount for your CashOne with the Bank, as the case may be, pursuant to this Promotion, must be a minimum of S$1,000.

 Cashback Fulfilment mechanics

7. The Incremental Cashback you are entitled to receive under this Promotion pursuant to Clause 3 above will be credited to your Eligible Card account within 90 working days of the date of activation of your Eligible Card, subject to the Eligible Card being valid and in good standing at the time of crediting of the Incremental Cashback.

 General

8. Unless otherwise stated, this Promotion is not valid with other offers, discounts, rebates, vouchers, privileges or promotions. The Promotion is valid in conjunction with the Standard Chartered Caltex 2020 Promotion (the terms and conditions of which can be found here) and The Good Life Privileges (which can be found here).
9. The Incremental Cashback referred to in Clause 3 is not exchangeable for cash or any other items and is non-transferable and non-assignable.
10. If the Bank at any time determines (at its sole and absolute discretion) that any of the eligibility requirements set out in Clauses 2, 3 or 6 above was not or has not been complied with but any cashback has been received by you, the Bank reserves the right to recover any / all cashback or the value of any / all cashback from you.
11. Standard Chartered reserves the right to do any of the following without prior notice:
    1. modify, terminate, withdraw, shorten or extend this Promotion at the Bank’s sole and absolute discretion, with or without prior notice or reason; and/or
    2. vary, modify, revise, add or delete any of the terms of the Promotion.
       You agree and consent to be bound by any such variation, modification, revision, addition or deletion.
12. These Standard Chartered Unlimited Card Incremental Cashback Promotion Terms and Conditions are to be read in conjunction with our Customer Terms, Credit Card Terms and any other specific Product Terms that may be relevant in connection with this Promotion (“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.
13. Standard Chartered 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.
14. Standard Chartered makes no warranty or representation as to the quality, merchantability or fitness for purpose of the goods and services bought and accepts no liability for the services provided by any merchant or service provider. Any dispute about the same must be resolved directly with the merchant or service provider.
15. Standard Chartered reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with this Promotion, including:
    1. your eligibility to participate in this Promotion;
    2. your eligibility to receive any cashback under this Promotion; and/or
    3. calculation of the cashback you receive under this Promotion.

Standard Chartered’s determination of all matters relating to this Promotion shall be final and conclusive and no correspondence will be entertained.

16. By applying for an Eligible Card pursuant to 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 Electronic Direct Mail. Such consent will supersede any prior choices made by you.
17. In the event of any inconsistency between these Standard Chartered Unlimited Card Incremental Cashback Promotion terms and conditions and any brochures, marketing or promotional materials relating to this Promotion, these Standard Chartered Unlimited Card Incremental Cashback Promotion terms and conditions shall, to the extent of such inconsistency, prevail.
18. A person who is not a party to these Standard Chartered Unlimited Card Incremental Cashback Promotion Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of these Standard Chartered Unlimited Card Incremental Cashback Promotion Terms and Conditions.
19. These Standard Chartered Unlimited Card Incremental Cashback Promotion Terms and Conditions and any dispute or claim arising out of or in connection with these Standard Chartered Unlimited Card Incremental Cashback Promotion Terms and Conditions, shall be governed by and is 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.
20. All information is accurate at time of publication.