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It is a feature that allows you to pay for your next single purchase using Reward Points. You can use Purchase with Rewards by activation of this feature on your card via Online Banking.

• Log on to online/mobile banking
• Proceed to the ‘Credit Cards’ tab on the Menu and click on ‘Card Details’
• Click on ‘My Rewards’ button
• Click on the ‘Purchase with Rewards’ button
• Select one card for ‘Purchase with Rewards’
• Submit
• When you perform your next transaction on this credit card the transaction will be paid using your Reward Points that you had selected.

Follow the activation process and simply click on the credit card you have selected and uncheck the box.

It works in 2 ways: full redemption and partial redemption. For an illustration, please see examples below:

A. Full redemption example – if you do a transaction post activating Purchase with Rewards

• Transaction value – BHD50
• Accumulated Reward Points – BHD90
• Subsequent to transaction the transaction amount will get automatically credited to your credit card as follows
  • Amount credited to your credit card account – BHD50
  • Amount debited to your Reward Points – BHD50
  • Reward Points balance – BHD40

B. Partial redemption example – if you do a transaction post activating Purchase with Rewards

• Transaction value – BHD100
• Accumulated Reward Points – BHD80
• Subsequent to transaction the transaction amount will get automatically credited to your credit card as follows:
  • Amount credited to your credit card account – BHD80
  • Amount debited to your Reward Points – BHD80
  • Reward Points balance – BHD0
• Any transaction(s) on that card after the above single transaction will revert to regular transactions which is not payable by use or redemption of such Reward Points.

• Bank initiated charges like Fees, Interest
• Cash advance
• Balance Transfer

The rewards redemption will be in real time.

The cashback will be credited to your credit card account within 24 hours. You will be able to see it through online or mobile banking.

Yes, overseas transactions will be included. Note that overseas or non-local transactions are subject to the same exchange rate of that which applies to currency conversions on your card. The amount redeemed via Purchase with Rewards will be the authorised amount.

This will not impact your ‘purchase with rewards’ the credit to your credit card remains and the debit to your reward points will not be reversed.

To keep the process simple, you can only select one credit card at a time for Purchase with Rewards

All your reward points earning cards are eligible for Purchase with Rewards.

You will be able to view the credit in your credit card statement. The debit to the reward points will be reflected in your Reward Points Summary in the monthly statement.

Yes, you will earn reward points on your next transaction

Reward Points are valid for a period of three (3) years from the date received. Unused reward points will expire at the end of validity period

This feature enables you to convert your reward points to partner points.

• Log on to your online or mobile banking
• Proceed to the ‘Credit Cards’ tab on the Menu and click on ‘Card Details’
• Click on ‘My Rewards’ button
• Click on the ‘Transfer Rewards’ button
• Select one partner for which you want to convert your reward points
• Enter the mandatory details and submit
• The reward points will be converted to ‘Partner Points’ in real time

After you have clicked the ‘Transfer Rewards’ button, you will be able to promptly convert Reward Points to merchant loyalty points or air miles with certain merchants.

Please take note:

• You will only be able to perform conversion in ‘blocks’ of amounts as displayed on online/mobile banking.
• A transfer of merchant loyalty points or air miles from a SCB customer to another SCB customer or third party who is not a SCB customer using Transfer Rewards is not permissible.

No, there will be no fee for the conversion of your Reward Points to Partner Points.

The points are deducted from your account based on a pre-defined system logic. You cannot specify the cards from which the points will be deducted.

All your reward points earning cards are eligible for Transfer Rewards.

It will be real time for Avios/British Airways. For the remaining partners it will take up to 5 days for the transfer to be processed.

Please call Standard Chartered Client Care Centre if you do not hear from us in 7 days

• For both successful and rejected transactions you will receive a real time in-app notification.
• For pending transactions, you will receive an SMS.

Please call the Standard Chartered Client Care Centre if you do not hear from us in 7 days