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This is to inform that by clicking on the hyperlink, you will be leaving sc.com/ae and entering a website operated by other parties.

Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

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Spend Campaign Terms & Conditions

Important Information:

  1. The eligible products for this campaign are the Journey, Smart Saadiq and Manhattan credit cards.
  2. To be eligible for this offer, clients have to register (Opt-in) for the campaign through the link provided in the email communication or SMS Cashback to 3133 from their registered mobile number.
  3. Meet the minimum retail spends threshold as illustrated in the below table to earn the incremental cashback % on the eligible merchant spend categories.
  4. Clients can earn a maximum cashback of up to AED 500 per month. Please note a maximum cashback amount is capped on each eligible merchant spend category per month as shown in the below table.
  5. This is a limited period offer from 01 July 2024 till 30 september 2024 (both days inclusive).

The campaign is only applicable to all existing Standard Chartered Bank Journey, Smart Saadiq, and Manhattan credit cardholders – as well as the clients acquired during the campaign offer period.

To enjoy the incremental cashback, the select Cardholder must meet the minimum spend requirement (hereinafter illustrated in the below table) as defined/specified in the direct/individual communication sent across by the Bank (via e-mail / SMS).

The eligible merchant spend category
Total Retail spend AED Cash Back % on School Fees, Travel & Entertainment Maximum Cash Back Amount on School Fees Spends in AED Maximum Cash Back Amount on Entertainment Spend in AED Maximum Cash Back Amount on Travel spends in AED
< 5,000 No cashback No cashback No cashback No cashback
>= 5,000 & < 9,000 3% 200 100 200
>= 9,000 & < 12,000 4%
>= 12,000 5%

Below is an illustration of the current and incremental cashback % for reference:

Through this campaign, upon meeting the campaign criteria’s, the eligible credit cardholders will earn higher Cashback on the selected merchants’ categories during the campaign period:

Campaign cashback rate % Spends in AED Cashback to client (AED)
School fees Travel Entertainment Other retail spends Total spends School fees* Travel* &1 Entertainment* Total cashback
0% 3,000 700 400 400 4,500 0 0 0 0
3% 2,000 1,200 800 1,000 5,000 60 36 24 120
4% 5,000 2,000 1,500 500 9,000 200 80 60 340
5% 4,000 4,000 2,000 2,000 12,000 200 200 100 500

1Travel spend category includes all international (non-AED), Airline, hotel and rent a car spends. (below this line add the below new text)

Know more about our credit card features and benefits or visit here to apply for Journey Credit Card.

  • * The incremental cashback fulfilment will be calculated and credited separately in the credit card account. The fulfilment for each month will be credited within 60 days. For example – July month spends incremental cashback (up to 5%) will be credited before 30th September 2024.

1Travel spend category includes all international (non-AED), Airline, hotel and rent a car spends.

Please note, Visa shall be solely responsible for determining the Merchant Category Codes (“MCCs”) for the campaign’s (School fees, Travel and Entertainment) eligible merchant categories. All the incremental cashback amounts will be calculated as per the merchant categories defined by Visa. Visa’s MCC classification shall be final.

The cashback will not be considered as repayment/payment of the due outstanding.

The ‘minimum spend requirement’ must be on RETAIL transactions only, which is credit card retail purchases, Point-Of-Sale, and online transactions (within or outside the UAE)

The following are excluded from eligibility criteria spends – exchange houses, cash withdrawals, Balance Transfers, Fixed Payment Plans, School Fee Cashier Order and Smart Payment Plans

Retail purchases/transactions made on the Primary as well as Supplementary Credit Card/s will be included in the calculation of the Minimum Spend Requirement.

Cardholders eligible for this campaign will not be eligible for any other campaign offered by Standard Chartered Bank UAE on Credit Cards during the period of this campaign.

Cardholders who have cancelled or terminated the credit card for any reason at the time of computation of the eligibility for this campaign, will not be eligible for the cashback.

To the extent of any inconsistency between this Offer terms and the Standard Chartered Client Terms and Credit Card Terms the Standard Chartered Client Terms and Credit Card Terms and Conditions will prevail.

If the Credit Card is overdue, blocked or suspended for any reason whatsoever, then the cashback shall stand forfeited but may be reinstated, at the sole discretion of the Bank.

The Bank reserves the right in its sole discretion to cancel, terminate, modify, or suspend this Offer and to disqualify any participant who tampers with the offer and/or the entry process.

These terms and conditions are in addition to and supplementary to the terms and conditions applicable to all Credit Card accounts as contained in the Credit Card Terms and Conditions. See Credit Card Terms and Conditions available at https://www.sc.com/ae/help-centre/downloads/.In the event of any inconsistency or conflict between the offer terms and conditions and the Credit Card Terms and Conditions, the Credit Card Terms and Conditions shall prevail.

These terms and conditions are governed by the laws of the United Arab Emirates and any dispute will be subject to the exclusive jurisdiction of the court of United Arab Emirates.

Should you have any concerns or complaints regarding any of our products or services, you may raise your complaint by emailing us at complaint.resolution@sc.com or by calling our Client Care Centre on +971 600 5222 88, and we will get back to you within 2 working days. To know more about our Complaints Resolution process, visit https://www.sc.com/ae/customer-service/

Standard Chartered UAE is licensed by the Central Bank of the UAE

Spends Campaign Terms & Conditions Arabic.