Terms & Conditions
Terms and Conditions of Standard Chartered Credit Card Instalment Credit Program and
Standard Chartered Credit-to-Cash Preferential Annual Rate Program (applicable to
program opened on and after 28 February2022):
-
General Terms and Conditions:
-
The Bank reserves the right to vary or modify any of the Terms and
Conditions.
In case of any dispute, the decision of the Bank shall be final.
-
Cardholder confirms that no Credit Card under his/her name issued by any
financial institutions has been cancelled due to default in payments,
and
there is no current overdue payment exceeding 1 month in respect of
his/her
loan indebtedness (including Credit Card and any unsecured loans) with
other
financial institutions. Cardholder further confirms that no bankruptcy
order
has ever been made against him/her and he/she is not in the process of
petitioning for bankruptcy nor has any intention to do so.
-
The Cardholder understands and agrees that for the purposes of review of
his/her existing credit facilities, the Bank may access data of the
Cardholder
held with a credit reference agency in accordance with the provisions of
the
Code of Practice on Consumer Credit Data. (Applicable to employee of the
Bank
only) The Cardholder authorizes the Bank to retrieve his/her employment
information in the Bank’s record (including his/her salary information)
and
use the same for the purpose of credit assessment and processing his/her
application(s) for the Loan.
-
These Terms and Conditions of the Instalment Credit Program and the
Credit-to-Cash Preferential Annual Rate Program shall be governed by and
construed in accordance with the laws of Hong Kong Special
Administrative
Region of the People’s Republic of China.
-
If there is any inconsistency or conflict between English and Chinese
versions, the English version shall prevail.
-
Common Terms and Conditions of
Standard Chartered Credit Card Instalment Credit
Program and Standard Chartered Credit-to-Cash Preferential Annual Rate
Program:
-
By applying to participate the Instalment Credit Program or the
Credit-to-Cash
Preferential Annual Rate Program in writing or by telephone,
Cardholders are deemed to have accepted all Terms and Conditions set
out in
this promotional letter, as well as all Terms and Conditions stated
in the
Client Terms and the applicable documents referred to in Part A of
our
Client Terms (“banking agreement”).
-
The Instalment Credit Program offer and the Credit-to- Cash Preferential
Annual Rate Program offer are only applicable to the designated Standard
Chartered Credit Card Account specified on the application form.
-
No 360˚ Rewards Points will be granted under the Instalment Credit
Program and
the Credit-to-Cash Preferential Annual Rate Program.
-
The Instalment Credit amount and the Credit-to-Cash amount applied for
should
be in multiple of HKD100.
-
The designated bank may deduct a handling charge for local telegraphic
transfer from the cardholder’s account (except Standard Chartered
account).
-
The Bank has the absolute right to approve or decline application for
Instalment Credit Program and Credit- to-Cash Preferential Annual Rate
Program
in accordance to the credit policies adopted by the Bank from time to
time,
and the Bank has the sole discretion to determine the Instalment Credit
and
the Credit-to-Cash amount. The Bank is not obliged to provide reasons
for
declined applications. A notification letter will be sent to the
Cardholder
advising him/her the approval result and final approved amount.
-
Additional Terms and Conditions of
Standard Chartered Credit Card Instalment
Credit Program:
-
The cash amount transferred from the credit limit of the Cardholder’s
relevant
credit card account under the Instalment Credit Program is referred to
Instalment Credit amount. Upon approval of your application, the
Instalment
Credit amount and any applicable fee(s) and/or handling fees as
described in
Clause 5 below will be deducted from the available credit limit of your
designated Standard Chartered Credit Card Account. The credit limit will
be
restored upon monthly repayment.
-
Cardholder can make multiple applications during the promotional period.
However, the total Instalment Credit amount and any applicable fee(s)
and/or
handling fees as described in Clause 5 below must not exceed your
eligible
Instalment Credit amount pre- printed on the promotional materials (if
any).
-
The first Instalment Amount and any applicable fee(s) and/or handling
fees as
described in Clause 5 below will be billed on the transaction date as
shown in
the coming statement which is the approval date of the Instalment Credit
amount.
-
(a) The Instalment Amount in relation to Instalment Credit Program is
the
amount payable by the Cardholder to the Bank in each month over the
Instalment
Period and is calculated by dividing the Instalment Credit amount by the
number of months in the Instalment Period plus the Monthly handling fee
(if
applicable). (b) Each Instalment Amount will be charged to the Card
Account as
a billable item under an additional service applied by the Cardholder
and be
shown as a cash advance in a Statement. Each Instalment Amount shall be
payable by the Cardholder monthly under the Minimum Payment Due in
accordance
with the terms of banking agreement. The late charge and/or finance
charge
under banking agreement will apply if Minimum Payment Due or the
Statement
Balance shown in the Statement is not paid in full on or before the
Payment
Due Date specified in the Statement. (c) The number of instalments, the
Instalment Amount and the Instalment Period cannot be altered without
Bank’s
consent. (d) The Instalment Credit amount is not a cash advance nor a
retail
purchase transaction made using the designated credit card(s).
-
(a) Upon the Bank’s approval of the application, (i) an
application fee
determined and notified by the Bank from time to time will be
charged to the
Card Account on a lump sum basis (the Application Fee); handling
fee
determined and notified by the Bank from time to time will be
charged to the
Card Account on a monthly basis during the Instalment Period
(each a Monthly
handling fee, and collectively the handling fee). The Bank
reserves the
right to alter both charges from time to time without further
notice; or
(ii) an application fee as well as a handling fee determined and
notified by
the Bank from time to time will be charged to the Card Account
on a lump sum
basis (the One-off Handling Fee). (b) Any applicable fee(s)
and/or handling
fees charged to the Card Account as described in sub-clause (a)
of this
clause will be treated in the same way as an Involuntary Charge,
and will be
shown in a Statement and be payable by the Cardholder as such in
accordance
with the terms of banking agreement.
-
(a) The Bank may at any time at its sole discretion terminate or suspend
(for
so long as the Bank thinks fit) the Instalment Credit Program in respect
of a
Card Account by notice to the relevant Cardholder. (b) Notwithstanding
anything contained in banking agreement, these Terms and Conditions or
any
other document, the Bank will at all times have the right at its sole
discretion (i) at any time to charge the Card Account, the aggregate of
all
remaining Instalment Amounts and any applicable fee(s) and/or handling
fees as
described in Clause 5 above not previously so charged, or the full
Instalment
Credit amount and any applicable fee(s) and/or handling fees as
described in
Clause 5 above where an application has been approved but not yet
charged to
the Card Account, and/or (ii) to demand immediate payment of all sums
payable
pursuant to the Instalment Credit by Instalment Credit Program which are
set
out in these Terms and Conditions, whether or not already reflected in a
Statement or due and payable at the date of the demand. (c) In
particular (but
without limiting the overriding nature of its right) the Bank may
exercise its
right under sub-clause (b) if (i) the Card Account is cancelled or
terminated
(or notice of cancellation or termination has been given) by the
Cardholder or
the Bank for whatever reason; (ii) the Cardholder defaults in the
payment of
any amounts due under banking agreement or these Terms and Conditions;
(iii)
the Cardholder breaches any other provision of banking agreement or
these
Terms and Conditions; (iv) the Cardholder is deceased, or a bankruptcy
petition is presented in relation to the Cardholder, or the Cardholder
is
unable to pay his debts as they fall due; or (v) the Bank exercises its
right
under sub-clause (a).
-
(a) The Cardholder may at any time during an Instalment
Period repay all
Instalment Amount and any applicable fee(s) and/or handling fees
payable
over the remaining Instalment Period but not yet charged to the
Card Account
subject to payment of an administration fee equivalent to 1% of
the original
Instalment Credit amount (the amount which the Cardholder
withdrew upon
successful application of Instalment Credit Program) or HKD300,
whichever is
higher, will be charged directly to your Standard Chartered
Credit Card
account.
(b) The Cardholder shall give the Bank notice at least 5 working days in
advance of his intention to make early repayment. Once given, such
notice will
not be revocable without the Bank’s prior consent. Partial early
repayment
will not be accepted. (c) On receipt of an early repayment notice, the
Bank
will charge to the Card Account the Instalment Amount to be repaid, any
applicable fee(s) and/or handling fees as described in Clause 5 above
and the
administration fee as described in sub-clause (a). Such amounts will be
shown
in a Statement and be payable as Voluntary Charge(s) and as Involuntary
Charge(s) respectively.
-
Additional Terms and Conditions of
Standard Chartered Credit-to-Cash
Preferential Annual Rate Program:
-
For Cardholders who apply Credit-to-Cash Preferential Annual Rate
Program,
please call the application hotline 2282 3322 to get the details of
their
personalized offer.
-
The transaction type of Credit-to-Cash is cash advance. Upon approval of
your
application, your available credit limit will be deducted from your
designated
Standard Chartered Credit Card Account accordingly.
-
Cardholder can make multiple applications during the promotional period.
-
If the Cardholder fails to pay on or before the relevant due
date any
Minimum Payment Due specified in any statement issued during the
Preferential Interest Rate Period, apart from the fees and
charges as set
out in the Credit Card Terms, you will also be subject to the
prevailing
interest, fees and charges (including but not limited to finance
charge for
cash advance, late charge and default rate) as specified in the
Service
Charges Booklet for all of your outstanding amount owed to us
under
Credit-to-Cash Preferential Annual Rate Program from the day
following the
relevant due date until the date of payment of the amount in
full. The
Credit-to- Cash Preferential Annual Rate Program may be
terminated at the
sole discretion of the Bank.
-
Upon approval of Credit-to-Cash Preferential Annual Rate
Program, (a)
Interest-free period will cease to be applicable to all
outstanding balance
and new spending under the Card Account. (b) The Bank is
entitled to apply
finance charge for purchase and/or cash advance on all
outstanding balance
and new spending (except your outstanding amount owed to us
under
Credit-to-Cash Preferential Annual Rate Program) as notified by
the Bank
from time to time for the respective Standard Chartered Credit
Card.
-
The approved “Credit-to-Cash” amount cannot be used for the repayment of
the
credit card outstanding balance of Standard Chartered Credit Card or
MANHATTAN
Credit Card (“Card Outstanding Balance”). If the “Credit- to-Cash”
amount is
used to repay the Card Outstanding Balance, the Bank reserves the right
to
terminate the program offer and the “Credit-to-Cash” amount would be
treated
as Cash Advance. For the terms and conditions of Cash Advance, please
refer to
the terms of banking agreement or contact our branch staff for details.
-
If a Cardholder has arranged full payment instruction of Direct Debit
Authorization, the Cardholder should re-arrange payment instructions by
calling our Standard Chartered Customer Service Hotline at 2886 4111,
otherwise, the full amount of the “New Balance” (including full amount
of
Credit-to-Cash) as set out on the respective monthly statement will be
automatically settled on the respective Payment Due Date as usual.
-
Interest for the “Credit-to-Cash” amount will be charged at the
promotional
rate from the date when your application for this Program is approved
till the
end of the Preferential Interest Rate Period. The Prevailing Interest
Rate for
cash advance will be applied to the outstanding “Credit-to-Cash” amount
thereafter. During the Preferential Interest Rate Period, notification
on
adjustment of Prevailing Interest Rate for cash advance may be sent to
you
from time to time and is for your reference only.
Issued by Standard Chartered Bank (Hong Kong) Limited
Terms and Conditions of MANHATTAN “Credit Cash” Instalment Program and MANHATTAN
“Credit Cash” Preferential Annual Rate Program (applicable to program opened on and
after 28 February 2022):
-
General Terms and Conditions:
-
The Bank reserves the right to vary or modify any of the Terms and
Conditions.
In case of any dispute, the decision of the Bank shall be final.
-
Cardholder confirms that no Credit Card under his/her name issued by any
financial institutions has been cancelled due to default in payments,
and
there is no current overdue payment exceeding 1 month in respect of
his/her
loan indebtedness (including Credit Card and any unsecured loans) with
other
financial institutions. Cardholder further confirms that no bankruptcy
order
has ever been made against him/her and he/she is not in the process of
petitioning for bankruptcy nor has any intention to do so.
-
The Cardholder understands and agrees that for the purposes of review of
his/her existing credit facilities, the Bank may access data of the
Cardholder
held with a credit reference agency in accordance with the provisions of
the
Code of Practice on Consumer Credit Data. (Applicable to employee of the
Bank
only) The Cardholder authorizes the Bank to retrieve his/her employment
information in the Bank’s record (including his/her salary information)
and
use the same for the purpose of credit assessment and processing his/her
application(s) for the Loan.
-
These Terms and Conditions of the Instalment Credit Program and the
Credit-to-Cash Preferential Annual Rate Program shall be governed by and
construed in accordance with the laws of Hong Kong Special
Administrative
Region of the People’s Republic of China.
-
If there is any inconsistency or conflict between English and Chinese
versions, the English version shall prevail.
-
Common Terms and Conditions of
Standard Chartered Credit Card Instalment Credit
Program and Standard Chartered Credit-to-Cash Preferential Annual Rate
Program:
-
By applying to participate the “Credit Cash” Instalment Program or the
“Credit Cash”
Preferential Annual Rate Program in writing or by telephone,
Cardholders are deemed to have accepted all Terms and Conditions, as
well
as all Terms and Conditions stated in the Client Terms and the
applicable
documents referred to in Part A of our Client Terms (“banking
agreement”).
-
The “Credit Cash” Instalment Program offer and the “Credit Cash”
Preferential
Annual Rate Program offer is only applicable to the designated MANHATTAN
Credit Card Account specified on the application form.
-
No points will be granted under the “Credit Cash” Instalment Program and
the
“Credit Cash” Preferential Annual Rate Program.
-
The “Credit Cash” amount applied for should be in multiple of HKD100.
-
The designated bank may deduct a handling charge for local telegraphic
transfer from the cardholder’s account (except Standard Chartered
account).
-
The Bank has the absolute right to approve or decline application for
the
“Credit Cash” Instalment Program and the “Credit Cash” Preferential
Annual
Rate Program in accordance to the credit policies adopted by the Bank
from
time to time, and the Bank has the sole discretion to determine the
“Credit
Cash” amount. The Bank is not obliged to provide reasons for declined
applications. A notification letter will be sent to the Cardholder
advising
him/her the approval result and final approved amount.
-
Additional Terms and Conditions of
MANHATTAN “Credit Cash” Instalment
Program:
-
The cash amount transferred from the credit limit of the Cardholder’s
relevant
credit card account under the “Credit Cash” Instalment Program is
referred to
“Credit Cash” amount. Upon approval of your application, the “Credit
Cash”
amount and any applicable fee(s) and/or handling fees as described in
Clause 5
below will be deducted from the available credit limit of your
designated
MANHATTAN Credit Card Account. The credit limit will be restored upon
monthly
repayment.
-
Cardholder can make multiple applications during the promotional period.
However, the total “Credit Cash” amount and any applicable fee(s) and/or
handling fees as described in Clause 5 below must not exceed your
eligible
“Credit Cash” amount pre-printed on the promotional materials (if any).
-
The first Instalment Amount and any applicable fee(s) and/or handling
fees as
described in Clause 5 below will be billed on the transaction date as
shown in
the coming statement which is the approval date of the “Credit Cash”
amount.
-
(a) The Instalment Amount in relation to “Credit Cash” Instalment
Program is
the amount payable by the Cardholder to the Bank in each month over the
Instalment Period and is calculated by dividing the “Credit Cash” amount
by
the number of months in the Instalment Period plus the Monthly handling
fee
(if applicable). (b) Each Instalment Amount will be charged to the Card
Account as a billable item under an additional service applied by the
Cardholder and be shown as a cash advance in a Statement. Each
Instalment
Amount shall be payable by the Cardholder monthly under the Minimum
Payment
Due in accordance with the terms of banking agreement. The late charge
and/or
finance charge under banking agreement will apply if Minimum Payment Due
or
the Statement Balance shown in the Statement is not paid in full on or
before
the Payment Due Date specified in the Statement. (c) The number of
instalments, the Instalment Amount and the Instalment Period cannot be
altered
without the Bank’s consent. (d) The “Credit Cash” amount is not a cash
advance
nor a retail purchase transaction made using the designated credit
card(s).
-
(a) Upon the Bank’s approval of the application, (i) an
application fee
determined and notified by the Bank from time to time will be
charged to the
Card Account on a lump sum basis (the “Application Fee”);
handling fee
determined and notified by the Bank from time to time will be
charged to the
Card Account on a monthly basis during the Instalment Period
(each a
“Monthly handling fee”, and collectively the “handling fee”).
The Bank
reserves the right to alter both charges from time to time
without further
notice; or (ii) an application fee as well as a handling fee
determined and
notified by the Bank from time to time will be charged to the
Card Account
on a lump sum basis (the “One-off Handling Fee”). (b) Any
applicable fee(s)
and/or handling fees charged to the Card Account as described in
sub-clause
(a) of this clause will be treated in the same way as an
Involuntary Charge,
and will be shown in a Statement and be payable by the
Cardholder as such in
accordance with the terms of banking agreement.
-
(a) The Bank may at any time at its sole discretion terminate or suspend
(for
so long as the Bank thinks fit) the “Credit Cash” Instalment Program in
respect of a Card Account by notice to the relevant Cardholder. (b)
Notwithstanding anything contained in banking agreement, these Terms and
Conditions or any other document, the Bank will at all times have the
right at
its sole discretion: (i) at any time to charge the Card Account, the
aggregate
of all remaining Instalment Amounts and any applicable fee(s) and/or
handling
fees as described in Clause 5 above not previously so charged, or the
full
“Credit Cash” Amount and any applicable fee(s) and/or handling fees as
described in Clause 5 above where an application has been approved but
not yet
charged to the Card Account, and/or (ii) to demand immediate payment of
all
sums payable pursuant to the “Credit Cash” by the “Credit Cash”
Instalment
Program which are set out in these Terms and Conditions, whether or not
already reflected in a Statement or due and payable at the date of the
demand.
(c) In particular (but without limiting the overriding nature of its
right)
the Bank may exercise its right under sub-clause (b) if: (i) the Card
Account
is cancelled or terminated (or notice of cancellation or termination has
been
given) by the Cardholder or the Bank for whatever reason; (ii) the
Cardholder
defaults in the payment of any amounts due under banking agreement or
these
Terms and Conditions; (iii) the Cardholder breaches any other provision
of
banking agreement or these Terms and Conditions; (iv) the Cardholder is
deceased, or a bankruptcy petition is presented in relation to the
Cardholder,
or the Cardholder is unable to pay his debts as they fall due; or (v)
the Bank
exercises its right under sub-clause (a).
-
(a) The Cardholder may at any time during an Instalment
Period repay all
Instalment Amount and any applicable fee(s) and/or handling fees
payable
over the remaining Instalment Period but not yet charged to the
Card Account
subject to payment of an administration fee equivalent to 1% of
the original
“Credit Cash” amount (the amount which the Cardholder withdrew
upon
successful application of the “Credit Cash” Instalment Program)
or HKD300,
whichever is higher, will be charged directly to your MANHATTAN
Credit Card
Account.
(b) The Cardholder shall give the Bank notice at least 5 working days in
advance of his intention to make early repayment. Once given, such
notice will
not be revocable without the Bank’s prior consent. Partial early
repayment
will not be accepted. (c) On receipt of an early repayment notice, the
Bank
will charge to the Card Account the Instalment Amount to be repaid, any
applicable fee(s) and/or handling fees as described in Clause 5 above
and the
administration fee as described in sub-clause (a). Such amounts will be
shown
in a Statement and be payable as Voluntary Charge(s) and as Involuntary
Charge(s) respectively
-
Additional Terms and Conditions of
MANHATTAN “Credit Cash” Preferential Annual
Rate Program:
-
For Cardholders who apply “Credit Cash” Preferential Annual Rate
Program,
please call the application hotline 2282 3322 to get the details of
their
personalized offer.
-
The transaction type of “Credit Cash” Preferential Annual Rate Program
is cash
advance. Upon approval of your application, your available credit limit
will
be deducted from your designated MANHATTAN Credit Card Account
accordingly.
-
Cardholder can make multiple applications during the promotional period.
-
If the Cardholder fails to pay on or before the relevant due
date any
Minimum Payment Due specified in any statement issued during the
Preferential Interest Rate Period, apart from the fees and
charges as set
out in the Credit Card Terms, you will also be subject to the
prevailing
interest, fees and charges (including but not limited to finance
charge for
cash advance, late charge and default rate) as specified in the
Service
Charges Booklet for all of your outstanding amount owed to us
under “Credit
Cash” Preferential Annual Rate Program from the day following
the relevant
due date until the date of payment of the amount in full. The
“Credit Cash”
Preferential Annual Rate Program may be terminated at the sole
discretion of
the Bank.
-
Upon approval of “Credit Cash” Preferential Annual Rate
Program, (a)
Interest-free period will cease to be applicable to all
outstanding balance
and new spending under the Card Account. (b) The Bank is
entitled to apply
finance charge for purchase and/or cash advance on all
outstanding balance
and new spending (except your outstanding amount owed to us
under “Credit
Cash” Preferential Annual Rate Program) as notified by the Bank
from time to
time for the respective Standard Chartered Credit
Card.
-
The approved “Credit Cash” amount cannot be used for the repayment of
the
credit card outstanding balance of Standard Chartered Credit Card or
MANHATTAN
Credit Card (“Card Outstanding Balance”). If the “Credit Cash” amount is
used
to repay the Card Outstanding Balance, the Bank reserves the right to
terminate the program offer and the “Credit Cash” amount would be
treated as
Cash Advance. For the terms and conditions of Cash Advance, please refer
to
the terms of banking agreement or contact our branch staff for details.
-
If a Cardholder has arranged full payment instruction of Direct Debit
Authorization, the Cardholder should re-arrange payment instructions by
calling our MANHATTAN Customer Service Hotline at 2881 0888, otherwise,
the
full amount of the “New Balance” (including full amount of “Credit
Cash”) as
set out on the respective monthly statement will be automatically
settled on
the respective Payment Due Date as usual.
-
Interest for the “Credit Cash” amount will be charged at the promotional
rate
from the date when your application for this Program is approved till
the end
of the Preferential Interest Rate Period. The Prevailing Interest Rate
for
cash advance will be applied to the outstanding “Credit Cash” amount
thereafter. During the Preferential Interest Rate Period, notification
on
adjustment of Prevailing Interest Rate for cash advance may be sent to
you
from time to time and is for your reference only.
Issued by Standard Chartered Bank (Hong Kong) Limited
Manhattan Card – A division of Standard Chartered Bank (Hong Kong) Limited
Terms and Conditions for the Coupon Code offer (“Offer”)
-
To be eligible for the Offer to enjoy Cash Rebate (“Cash Rebate”), client
(“Eligible Clients”) shall
successfully apply and get approved instantly for the Instalment Credit Program
(“Loan”) via Online, and have
inputted a correct coupon (“Coupon Code”) received from Standard Chartered Bank
(Hong Kong) Limited (the
“Bank”), and fulfilled the conditions stated on the promotional material offered
by the Bank (“Promotion
Materials”, including but not limited to mobile messages and/or email)
associated with the Coupon Code.
-
The amount of Cash Rebate is determined according to the Promotional Materials
as received by the Eligible
Clients directly from the Bank.
-
The Cash Rebate will be credited to the Eligible Client’s relevant card account
in the third month after
drawdown of the Loan. Eligible Clients shall notify the Bank if they do not
receive the Cash Rebate by the
fourth month after drawdown of the Loan; otherwise, the Cash Rebate will be
forfeited absolutely and will not be
provided to the Eligible Client through any other means. The Bank accepts no
liability whatsoever and shall not
be held liable for any compensation.
-
Eligible Client will not be eligible for any Cash Rebate if Eligible Client
cancels his/her application for the
Instalment Credit Program before the Cash Rebate is granted to the Eligible
Client’s relevant card account.
-
The Cash Rebate is non-transferable.
-
The Eligible Client’s relevant card account must be in good financial standing
and remains valid (as determined
by the Bank at its sole discretion) until the Cash Rebate is credited.
-
If there is any inconsistency between the English version and Chinese version,
the English version prevails.
-
The Bank reserves the right to vary, extend and terminate the above Offer and to
amend any of these terms and
conditions at any time without any notice. In case of disputes, the decision of
the Bank shall be final and
binding.
