1. This Unlimited Cashback Credit Card Sign-Up TANGS Gift Card (8 May to 31 July 2018) Promotion (the “Promotion”) is available from 8 May to 31 July 2018 (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.
2. Only applications for the Eligible Card (as defined in Clause 3a below) received by the Bank (as defined in Clause 3a below) via the TANGS Channels (as defined in Clause 3c below) will be eligible for this Promotion. For the avoidance of doubt:
   1. this means that only Cardholders (as defined in Clause 3a below) who have applied for a card via the TANGS Channels who successfully submit the application for the Eligible Card will be eligible for the Promotion (subject always to Clauses 3, 5 and 6 below); and
   2. if you have received the Eligible Card in conjunction with your application for a CashOne / Credit Card Instalment Loan or a Mortgage Loan under the Home Suite Bundle or any other credit card sign-up promotions, you will not be eligible for the TANGS Credits or cashback under this Promotion.

Eligibility – New credit cardholders

3. To qualify for this Promotion and receive the sign-up gift available as set out in Clause 4 below:
   1. you must apply for the Unlimited Cashback Credit Card (“Eligible Card”) issued by Standard Chartered Bank (Singapore) Limited (“Standard Chartered” or the “Bank”) as a principal cardholder (“Cardholder”);
   2. you must be the first 100 successful applicants and meet all the eligibility criteria as set out in this Clause 3;
   3. such application has to be via the TANGS online communication channels (which, for the avoidance of doubt, are TANGS’ electronic direct mailer that links to sc.com/sg/promotions/tangs and any other channels that the Bank determines in its sole discretion will allow you to qualify for this Promotion) (the “TANGS Channels”);
   4. you must be a new Standard Chartered principal cardholder. In other words, you must not have any existing or previously cancelled credit cards in the last 12 months;
   5. Standard Chartered must receive your application for the Eligible Card within the Promotion Period. Notwithstanding the foregoing, Standard Chartered may continue to process any application received by Standard Chartered up to 14 calendar days after the end of the Promotion Period, and Standard Chartered 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 terms and conditions;
   6. your Eligible Card application must be approved by Standard Chartered, where such approval is final and unconditional;
   7. you must activate the Eligible Card within 30 days from the card approval date; and
   8. 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
4. Subject to these terms, if you satisfy all the eligibility criteria set out in Clause 3 above, you will be eligible to receive the $150 TANGS Gift Card (“TANGS Gift Card”) subject to the terms contained herein.

Eligibility – Existing credit cardholders

5. If you:
   1. have an existing principal credit card with the Bank at the point of your application for the Eligible Card or previously cancelled credit card(s) with the Bank in the last 12 months from the date the Eligible Card is approved; and
   2. satisfy the eligibility criteria set out in all of Clauses 3(a), (b), (c), (e), (f), (g) and (h) above,
      you will be eligible to receive S$20 cashback for the Eligible Card approved under the Promotion, subject to the Current Cashback Cap and Previous Cashback Cap (each as defined below in Clauses 6(b) and (c) below).
6. 1. The Current Cashback Cap and Previous Cashback Cap (each as defined in Clauses 6(b) and (c) below):
      1. includes any cashback; but
      2. does not include any vouchers / stored value cards / credits / any other sign-up gifts which are not in the form of cashback,
         received under any and all other credit card sign-up promotions with the Bank that you qualify for, whether prior or subsequent to your application pursuant to this Promotion.
   2. The maximum aggregated amount of cashback that you may receive for this Promotion and all your subsequent credit card application(s) (where relevant) combined is capped at S$120 (“Current Cashback Cap”).
   3. If you have previously applied for credit card(s) with the Bank, the relevant cashback cap applicable for purposes of determining the cashback you will get under this Promotion is the cashback cap in place when your very first application for credit card(s) with the Bank was approved (“Previous Cashback Cap”). For the avoidance of doubt, this Previous Cashback Cap may be lesser or greater than the Current Cashback Cap.
      1. If you have not reached the Previous Cashback Cap as determined by the Bank in its sole discretion, the cashback you will receive pursuant to this Promotion is the lower of:
         1. the cashback you are eligible to receive under Clause 5 above; and
         2. the Previous Cashback Cap less the aggregated amount of cashback you had earlier received under any and all other credit card sign-up promotions with the Bank.
            For the avoidance of doubt, if you have not reached the Previous Cashback Cap, the Current Cashback Cap has no bearing on whether you receive cashback under this Promotion.
      2. If you have reached the Previous Cashback Cap as determined by the Bank in its sole discretion, you will not be entitled to any further cashback under this Promotion. For the avoidance of doubt, this is the position regardless of whether the Previous Cashback Cap is greater or less than the Current Cashback Cap.

Fulfilment mechanics

7. If you are eligible for the TANGS Gift Card pursuant to Clause 3 and 4 above, a redemption letter will be mailed to you within 60 working days of the date of activation of your Eligible Card for the collection details of the TANGS Gift Card. The use of the TANGS Gift Card is governed by the TANGS Gift Card Terms and Conditions and other terms and conditions stated on the TANGS Gift Card. For the avoidance of doubt, the Bank is not liable to any person (including, without limitation, any Eligible Cardholder) for any losses, damages, claims, liabilities or expenses incurred or suffered as a result of any Eligible Cardholder utilising the TANGS Gift Card.
8. The cashback you are entitled to receive under this Promotion pursuant to Clause 4 above will be credited to your principal Eligible Card account within 30 working days of the date of activation of your Eligible Card, subject to the Eligible Card being valid and in good standing. The cashback awarded under this Promotion must be utilised within six (6) months from the date of activation of your Eligible Card, failing which, any unused portion of the cashback may be forfeited. Transfer of cashback to another credit card account or withdrawal of cashback in the form of Cashier’s Order or any other means shall not be permitted.

Wallets Cashback

9. To qualify and receive the Wallets Cashback as set out in Clause 8 below, you must:
   1. satisfy all the eligibility criteria set out in Clauses 2(a), (c), (d), (e) and (f) above;
   2. register the Eligible Card with Apple Pay, Samsung Pay or Google PayTM (“Enrolled Card”);
   3. charge at least five (5) Qualifying Transactions (as defined in Clause 10 below) through Apple Pay, Samsung Pay or Google Pay (singularly “Mobile Wallet”, collectively “Mobile Wallets”) to the Enrolled Card by 31 July 2018; and
   4. not have, at any time before the start of the Promotion Period, performed any transaction through any Mobile Wallet on any Standard Chartered credit cards.
10. If you satisfy all the eligibility criteria set out in Clause 7 above, you will be eligible to receive S$20 cashback (“Wallets Cashback”) subject to the terms contained herein.
11. An illustration on the Cardholders’ eligibility for the Wallets Cashback is set out in the table below:
    

    	Eligibility for Wallets Cashback (S$20 cashback)
    Conditions the Cardholder fulfils	New credit cardholders (subject to Clause 2)	Existing credit cardholders (subject to Clause 4)
    No transactions performed at any time before 1 February 2018 on any Mobile Wallet using any Standard Chartered credit card	Eligible	Eligible
    Performed at least one transaction at any time before 1 April 2018 on any Mobile Wallet using any Standard Chartered credit card		Not eligible

12. “Qualifying Transactions” means retail transactions that exclude the transactions set out below which are charged to an Enrolled Card through any Mobile Wallet:
    1. Insurance premiums, including premiums for investment-linked policies, charged to the Enrolled Card;
    2. Bill payments (Examples of bill payment merchants include but are not limited to Telecommunications and utilities providers such as Starhub, Singtel and M1, Singapore Power);
    3. Any payment via AXS network;
    4. Any payment via SAM network;
    5. Payments to government agencies which include but 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. EZ-Link cards transactions;
    8. Transit Link transactions;
    9. Any transactions pertaining to Merchant Category Codes 6211 (Security Brokers/Dealers) and 7995 (Gambling/Lotto)
    10. Balance transfers to the Enrolled Card, cash advances from the Enrolled Card, purchases via NETS and ongoing instalment payments;
    11. 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 the Enrolled Card;
    12. Any amount charged to the Enrolled Card during the Promotion Period that is subsequently cancelled, voided or reversed; and
    13. Balance owing on the Enrolled Card account from other months.
13. Each Eligible Cardholder is eligible to receive the Wallets Cashback only once.
14. The Wallets Cashback you are entitled to receive under the Promotion pursuant to Clause 8 above will be credited to the Enrolled Card’s card account by 31 August 2018.
15. All Qualifying Transactions must be charged to the Enrolled Card, subject to Clause 16 below. The Bank is not responsible for any failure or delay in the transmission of any transaction by any party, including but not limited to acquiring merchants, merchant establishments, or any telecommunication provider.
16. If a supplementary card of an Eligible Card is enrolled into any Mobile Wallet(s) and transactions are charged to this enrolled supplementary card, these transactions will be treated by the Bank as if these were transactions charged to the Eligible Card by the principal cardholder. In other words, Qualifying Transactions charged to enrolled supplementary cards of Eligible Cards in the name of the Eligible Cardholder will be counted as Qualifying Transactions of the principal cardholder and attributed to the Eligible Card of the principal cardholder.
17. For new retail transactions charged to the Enrolled Card through Mobile Wallets during the Promotion Period, which are successfully converted into monthly installments, either:
    2. At the point of sale by tie up merchants, the monthly installment amount (and not the total amount charged for that transaction); or
    3. At a later date by us, the total amount charged (and not the converted monthly installment amount),
       will be considered as the Qualifying Transaction provided such transaction is successfully transacted during the Promotion Period.

General

18. Unless otherwise stated, this Promotion is not valid with other offers, discounts, rebates, vouchers, privileges or promotions. The Promotion is valid with in conjunction with the Standard Chartered Caltex 2017 Promotion (the terms and conditions of which can be found here).
19. The TANGS Gift Card referred to in Clause 4 and the cashback referred to in Clause 5 (the “Gifts”) are not exchangeable for cash or any other items, and are non-transferable and non-assignable.
20. If the Bank at any time determines (at its sole and absolute discretion) that any of the eligibility requirements set out in Clauses 3 or 5 above was not or has not been complied with but any Gift has been redeemed by you, the Bank reserves the right to recover any / all Gifts or the value of any / all Gifts from you.
21. Standard Chartered reserves the right to do any of the following without prior notice:
    1. 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, add or delete any of the terms of the Promotion.
       You agree and consent to be bound by any such variation.
22. These Unlimited Cashback Credit Card Sign-Up TANGS Gift Card (8 May to 31 July 2018) 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.
23. 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.
24. 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, subject to the merchant’s terms and conditions.
25. Standard Chartered is not an agent of C.K. Tang Limited or vice versa.
26. 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 your eligibility for this Promotion and/or to receive cashback 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.
27. 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 multimedia messaging. Such consent will supersede any prior choices made by you. Such consent will also prevail even if you are registered or subsequently register your contact information with the national Do Not Call Registry.
28. A person who is not a party to the Unlimited Cashback Credit Card Sign-Up TANGS Gift Card (8 May to 31 July 2018) 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.
29. These Unlimited Cashback Credit Card Sign-Up TANGS Gift Card (8 May to 31 July 2018) 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 non-exclusive jurisdiction of the courts of the Republic of Singapore.
30. All information is correct at time of print.