Eligibility

1. The Standard Chartered Abecha Esso Fleet Card Promotion (“Promotion“) is available from 1 January to 31 December 2020 (both dates inclusive) (“Promotion Period“). The Promotion is open to all eligible principal cardholders of Standard Chartered Credit Cards (“Card“) issued by Standard Chartered Bank (Singapore) Limited in Singapore (“Bank”) (collectively, “Eligible Cardholders“). By participating in the Promotion, Eligible Cardholders agree to be bound by these terms and conditions.
2. Eligible Cardholders whose Card accounts have been suspended, cancelled or terminated for any reason during the Promotion Period and until 31 January 2021 are not eligible for this Promotion.
3. By participating in the Promotion, the Eligible Cardholder consents to the use of his/her personal data for marketing purposes, including but not limited to the use of his/her telephone number to contact him/her about products and promotions offered by the Bank from time to time via telephone, SMS or multimedia messaging. Such consent will also prevail even if the Eligible Cardholder is registered or subsequently registers his/her contact information with the national Do Not Call Registry.

Promotion mechanics

4. To be eligible for the Promotion, an Eligible Cardholder has to:
   1. Register for an Abecha Esso Fleet Card through: https://worldconnect.sesami.net/abecha/esso/SCB/Registration-SCB.aspxand successfully sets up payment for the Abecha Esso Fleet Card program on a recurring basis to the Eligible Cardholder’s Card: and
   2. Charge a minimum of S$600 (“Minimum Standard Chartered Monthly Spend”) in that same month on total eligible retail transactions, which can consist of any number or combination of retail transactions (“Qualifying Standard Chartered Transactions”). These Qualifying Standard Chartered Transactions must be charged to the same Card which was used for purchases at Esso. Qualifying Standard Chartered Transactions excludes those transactions set out at Clause 13 below.
5. Under the Promotion, an Eligible Cardholder can stand to receive:
   1. up to 24.56% in fuel savings when using his/her MANHATTAN World Mastercard® at Esso; or
   2. up to 23.33% in fuel savings when using his/her Unlimited Cashback Credit Card at Esso; or
   3. up to 22.1% in fuel savings when using his/her Card (being a Card other than the MANHATTAN World Mastercard® and Unlimited Cashback Credit Card) at Esso.
6. A breakdown of how this 24.56% in fuel savings referred to in Clause 5(a) above for Eligible Cardholders holding a MANHATTAN World Mastercard® is calculated is as follows:
   1. 18% instant upfront Standard Chartered Cards discount on fuel purchases only at Esso (“Upfront Discount”); plus
   2. an additional 5% rebate on the nett transaction amount charged to your Card at Esso (i.e. the amount after deduction of the Upfront 18% Discount (as applicable)) (“Standard Chartered 5% Rebate”) (capped at S$30 per calendar month during the promotion period as per Clause 12 below). The Standard Chartered 5% Rebate amount will be credited to Card account by the 28th day of the next calendar month. (To illustrate, any Standard Chartered 5% Rebate earned in July 2019 will be credited by 28 August 2019).
   3. up to 3% rebate on the nett transaction amount charged to your MANHATTAN World Mastercard® at Esso (capped at S$200 per statement cycle quarter and S$800 a year as per Clause 16 below) (“MANHATTAN cashback”).
7. A breakdown of how this 23.33% in savings referred to in Clause 5(b) above for Eligible Cardholders holding the Unlimited Cashback Credit Card is calculated is as follows:
   1. 18% instant upfront Standard Chartered Cards discount on fuel purchases only at Esso (“Upfront Discount”); plus
   2. an additional 5% rebate on the nett transaction amount charged to your Card at Esso (i.e. the amount after deduction of the Upfront Discount (as applicable)) (“Standard Chartered 5% Rebate”) (capped at S$30 per calendar month during the Promotion Period as per Clause 13 below). The Standard Chartered 5% Rebate amount will be credited to Card account by the 28th day of the next calendar month. (To illustrate, any Standard Chartered 5% Rebate earned in July 2019 will be credited by 28 August 2019).
   3. 5% rebate on the nett transaction amount charged to your Unlimited Cashback Credit Card at Esso (“Unlimited Cashback”).
8. A breakdown of how this 22.1% in savings referred to in Clause 5(c) above is calculated is as follows:
   1. 18% instant upfront Standard Chartered Cards discount on fuel purchases only at Esso (“Upfront Discount”); plus
   2. the Standard Chartered 5% Rebate (as defined above in Clause 6(b)).
9. The meaning of ‘month’ and hence, minimum ‘monthly’ spend for the purposes of the Standard Chartered 5% Rebate, the MANHATTAN cashback and the Unlimited Cashback are computed differently. In order to get the Standard Chartered 5% Rebate, the Eligible Cardholders need to meet the conditions of the Standard Chartered 5% Rebate in that respective calendar month. Whereas (a) for the MANHATTAN cashback, the Eligible Cardholders holding the MANHATTAN World Mastercard® will have to meet the conditions of the MANHATTAN cashback in that respective statement cycle month; and (b) for the Unlimited Cashback, the Eligible Cardholders holding the Unlimited Cashback Credit Card will have to meet the conditions of the Unlimited Cashback in that respective statement cycle month. For the avoidance of doubt, Eligible Cardholders holding the MANHATTAN World Mastercard® and/or the Unlimited Cashback Credit Card will have to meet both criteria during the same relevant period to get both (a) the Standard Chartered 5% Rebate and (b) the MANHATTAN cashback and/or Unlimited Cashback.

Standard Chartered 5% Rebate

10. In order to get the additional Standard Chartered 5% Rebate in a given calendar month referred to in Clauses 6(b) above, Eligible Cardholders will need to satisfy the condition in Clause 11 below on the Minimum Standard Chartered Monthly Spend (as defined in Clause 11 below). However, regardless of whether the condition in Clause 11 is met, Eligible Cardholders will still enjoy the Upfront Discount on their fuel purchase provided they top up their motor vehicle fuel at Esso.
11. To enjoy the additional Standard Chartered 5% Rebate on your Esso spends in a given calendar month, Eligible Cardholders must successfully charge a minimum of S$600 in that same month on total eligible retail transactions, which can consist of any number or combination of retail transactions. These Qualifying Standard Chartered Transactions must be charged to the same Card which was used for purchases at Esso. Qualifying Standard Chartered Transactions excludes those transactions set out at Clause 14 below.
12. The maximum Standard Chartered Rebate an Eligible Cardholder can receive during the Promotion Period is capped at S$30 per calendar month. For the avoidance of doubt, this cap remains as S$30 per Eligible Cardholder, regardless of how many Cards he uses.
13. Where an Eligible Cardholder uses more than one Card under this Promotion, each Card will need to satisfy the conditions in these terms (including but not limited to the Minimum Standard Chartered Monthly Spend per Card) in order for the Eligible Cardholder to enjoy the features of this Promotion on that Card.
14. The following transactions charged to a Card will not beconsidered as Qualifying Standard Chartered Transactions to meet the Minimum Standard Chartered Monthly Spend:
    1. Insurance premiums, including premiums for investment-linked policies, charged to the Eligible Card;
    2. Any transactions or bill payments to Telecommunications and utilities providers including but not limited to Starhub, Singtel, M1, and 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. Any bill payment made using SC EasyBill bill payment programme;
    8. Any top-ups or payment of funds to any prepaid cards (with exception of EZ-Reload), prepaid accounts, digital wallets including but not limited to Grab, Singtel Dash, WorldRemit Singapore, YouTrip or any other accounts as the bank may specify from time to time;
    9. EZ-Link cards transactions;
    10. TransitLink transactions;
    11. Any transactions pertaining to Merchant Category Codes 6211 (Security Brokers/Dealers) and 7995 (Gambling/Lotto)
    12. Balance transfers (or funds transfers), instalment loans and cash advances, purchases via NETS and ongoing instalment payments;
    13. 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 any of the Bank issued credit cards of the Eligible Cardholder;
    14. Any amount charged to the any of the Bank issued credit cards of the Eligible Cardholder during the Promotion Period that is subsequently cancelled, voided or reversed; and
    15. Balance owing on the credit cards of the Eligible Cardholder account from other months

MANHATTAN cashback

15. In order to get the additional MANHATTAN cashback in a given statement cycle month referred to in Clause 5(c) above, Eligible Cardholders holding the MANHATTAN World Mastercard® (“Eligible MANHATTAN Cardholders”) will need to satisfy the condition in Clause 16 below on the Minimum Tiered MANHATTAN Monthly Spend (as defined in Clause 15 below). However, regardless of whether the condition in Clause 15 is met, Eligible MANHATTAN Cardholders will still enjoy the Upfront Discount on their fuel purchase provided they top up their motor vehicle fuel at Esso.
16. To enjoy the additional MANHATTAN cashback in a given statement cycle month, Eligible MANHATTAN Cardholders must successfully charge a minimum of S$0.01, S$1000 or S$3000 (“Minimum Tiered MANHATTAN Monthly Spend”) in that same month on Qualifying MANHATTAN Transactions (as defined in Clause 16 below) to enjoy a tiered MANHATTAN cashback rebate as set out in the table below.

17. The Minimum Tiered MANHATTAN Monthly Spend can consist of any number or combination of retail transactions (“Qualifying MANHATTAN Transactions”). These Qualifying MANHATTAN Transactions must be charged to the same MANHATTAN World Mastercard® which was used for purchases at Esso. Qualifying MANHATTAN Transactions excludes those transactions set out at Clause 18 below.

For illustration only:

18. The following transactions charged to a MANHATTAN World Mastercard® will not be considered as Qualifying MANHATTAN Transactions to meet the Minimum Tiered MANHATTAN Monthly Spend:

1. any cash advance;
2. any Credit Card Funds Transfer;
3. any monthly instalment of an EasyPay transaction;
4. any amounts charged to your MANHATTAN Card (and/or the supplementary card) that is subsequently cancelled, voided, refunded or reversed;
5. AXS, SAM or ATM transactions made using your MANHATTAN Card;
6. any insurance premiums charged to your MANHATTAN Card;
7. recurring payments (being automatic payments where a principalcardholder or supplementary cardholder of the MANHATTAN card has given a one-time authorisation or instruction for the merchant to charge the payment directly to the MANHATTAN 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;
8. 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);
9. amounts which have been rolled over from any preceding month’s statement;
10. charges incurred by the cardholder or the supplementary cardholderbut not submitted or posted to your MANHATTAN Card account during the MANHATTAN Card Promotion Period;
11. any fraudulent retail transaction;
12. 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 MANHATTAN Card;
13. any top-ups or payment of funds to any prepaid and any prepaid accounts including without limitation:
    1. 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
    2. any top-ups or payment of funds to the following accounts or any other accounts as we may specify from time to time:

14. 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

15. any other charge, fees or payments as we may stipulate from time to time.

Unlimited Cashback

19. In order to earn the additional Unlimited Cashback in a given statement cycle month referred to in Clause 6(c) above, Eligible Cardholders holding the Unlimited Cashback Credit Card (“Eligible Unlimited Cardholders”) need to charge the Eligible Retail Transactions to the same Unlimited Cashback Credit Card which was used for purchases at Esso. Eligible Retail Transactions excludes those transactions set out at Clause 19 below.
20. The following transactions charged to a Unlimited Cashback Credit Card will not be considered as Eligible Retail Transactions and will not earn Unlimited Cashback:
    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 Unlimited Card that is subsequently cancelled, voided, refunded or reversed;
    6. recurring payments (being automatic payments where you (including your supplementary cardholder(s) on your Unlimited Card account) have given a one-time authorisation or instruction for the merchant to charge the payment directly to your Unlimited 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 Unlimited Card;
    8. amounts which have been rolled over from any preceding month’s statement;
    9. tax refunds credited into your Unlimited Card account;
    10. any insurance premiums charged to your Unlimited Card;
    11. 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 Unlimited Card;
    12. any top-ups or payment of funds to any prepaid cards (with exception of EZ-Reload charged to your Unlimited Card) and any prepaid accounts including without limitation:
        • 1. 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
        • 2. any top-ups or payment of funds to the following accounts or any other accounts as we may specify from time to time:

    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

    13. any transaction classified under one or more of the following Merchant Category Codes:
    • 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)
    • 6211 (Security Brokers/Dealers)
    • 4829 (Money Transfer) and 6513 (Real Estate Agents and Managers)
    • 8211 (Elementary and Secondary Schools)
    • 8220 (Colleges, Universities, Professional Schools, and Junior Colleges)
    • 8241 (Correspondence Schools), 8244 (Business and Secretarial Schools)
    • 8249 (Vocational and Trade Schools) and 8299 (Schools and Educational Services (Not Elsewhere Classified))
    • 9211 (Court Costs, Including Alimony and Child Support)
    • 9222 (Fines), 9223 (Bail and Bond Payments)
    • 9311 (Tax Payments)
    • 9399 (Government Services (Not Elsewhere Classified))
    • 9402 (Postal Services – Government Only) and 9405 (U.S. Federal Government Agencies or Departments); and
    14. any other charges, fees, transactions or payments as we may stipulate from time to time.

General

21. The Standard Chartered 5% Rebate, the MANHATTAN cashback and Unlimited Cashback are strictly non-transferable and non-exchangeable (for cash or credit or otherwise).
22. For new retail transactions charged to the Card during the Promotion Period which are successfully converted into monthly instalments, either:
    1. At the point of sale by tie up merchants, the monthly instalment amount (and not the total amount charged for that transaction); or
    2. At a later date by us, the total amount charged (and not the converted monthly instalment amount), will be considered as:
       1. a Qualifying Standard Chartered Transaction/Qualifying MANHATTAN Transaction (as applicable) provided such transaction is successfully posted during the Promotion Period;
       2. an Eligible Retail Transaction (as applicable) provided such transaction is successfully posted during the Promotion Period.
23. Qualifying Standard Chartered Transactions/Qualifying MANHATTAN Transactions (as applicable) charged to supplementary cards will be counted towards the calculation of the Minimum Standard Chartered Monthly Spend/Minimum Tiered MANHATTAN Monthly Spend (as applicable) for the principal Cardholder. Similarly, fuel spends by supplementary cardholders will count as the principal Cardholder’s fuel spends for the purpose of this Promotion.
24. For non-Singapore dollar transactions charged to the Card, the transaction amount posted in the Eligible Cardholder’s Card account (which is inclusive of the exchange rate conversion and commission, if any) will be considered as the amount for the purpose of determining the Card’s Minimum Standard Chartered Monthly Spend/Minimum Tiered MANHATTAN Monthly Spend (as applicable).
25. 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.
26. The Bank reserves the right to vary, modify, add or delete any of these terms and conditions, including terminating, shortening, extending or withdrawing the Promotion, without prior notice or reason.
27. The Bank’s determination of all matters relating to this Promotion, including but not limited to:-
    1. Eligibility to participate in the Promotion;
    2. Calculation of the Minimum Standard Chartered Monthly Spend and/or the Minimum Tiered MANHATTAN Monthly Spend;

is conclusive and final, and no correspondence will be entertained. In the case of a dispute, the decision of the Bank on all matters shall be final.

28. In the event of any inconsistency between these terms and conditions and any brochures, marketing or promotional materials relating to the Promotion, these terms and conditions shall, to the extent of such inconsistency, prevail.
29. Save for rebates earned on the MANHATTAN World Mastercard® and Unlimited Cashback Credit Card, the rebate earned under this Promotion is in addition to other rebate/cashback that the Eligible Cardholder would ordinarily receive on his/her respective Cards which are not related to the Promotion.
30. Any terms and conditions imposed by Abecha Esso will also apply. Please check with Abecha Esso for details and terms of participation.
31. Standard Chartered makes no warranty or representation as to the quality, merchantability or fitness for purpose of the goods and services bought. Any dispute about the same must be resolved directly with the merchant.
32. Standard Chartered is not an agent of the merchant or vice versa.
33. Please read these terms and conditions together with our Customer Terms, Current /Cheque /Savings Account and Time Deposit Terms, Bonus$aver, XtraSaver Account, SuperSalary Product Terms, Credit Card Terms, MANHATTAN Cashback Terms, Standard Chartered Unlimited Cashback Credit Card Terms and Conditions, Standard Chartered Visa Infinite Promotion Terms & Conditions, Standard Chartered Rewards+ Promotion Terms & Conditions, Standard Chartered Spree Credit Card Terms and any other specific Product Terms that may be relevant in connection with this Promotion (collectively, “Other Terms”). If there is any inconsistency between these terms and conditions and the Other Terms, these terms and conditions shall, to the extent of such inconsistency, prevail.
34. A person who is not a party to these terms and conditions has no rights under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of these terms and conditions.
35. These terms and conditions are governed and construed in accordance with the laws of Singapore. Any dispute arising out of these terms and conditions shall be referred to the exclusive jurisdiction of the Courts of Singapore.
36. Please present your Card prior to ordering/purchasing to enjoy the discount.
37. All information is accurate at the time of publication.