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Standard Chartered Credit Cards Retail Transaction Exclusions

The following transactions are not Eligible Retail Transactions and will not earn Cashback or 360o Rewards Points:

  1. any cash advance;
  2. any Credit Card Funds Transfer;
  3. any monthly instalment of an EasyPay transaction;
  4. any amounts charged to your Card that is subsequently cancelled, voided, refunded or reversed;
  5. AXS, SAM or ATM transactions made using your Card;
  6. any insurance premiums charged to your Card;
  7. recurring payments (being automatic payments where the Cardholder or supplementary cardholder has given a one-time authorisation or instruction for the merchant to charge the payment directly to his/her 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. tax refunds credited into your Card;
  11. charges incurred but not submitted or posted to your Card account during the Card Promotion Period;
  12. any fraudulent retail transaction;
  13. 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 Card;
  14. any top-ups or payment of funds to any prepaid cards and any prepaid accounts including without limitation, any top-ups or payment of funds to he 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
  15. any transaction classified under one or more of the following Merchant Category Codes:
Merchant Category Code (MCC) Description
4829 Money Transfer
4900* Utilities – Electric, Gas, Water, and Sanitary
5047* Medical, Dental, Ophthalmic and Hospital Equipment and Supplies
5199* Nondurable Goods (Not Elsewhere Classified)
6012 Financial Institutions – Merchandise, Services, and Debt Repayment
6050* Quasi Cash – Financial institutions, Merchandise, Services
6051 Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money Orders (Not Money Transfer), Travelers Cheques, and Debt Repayment
6540 Non-Financial Institutions – Stored Value Card Purchase/Load
6211 Security Brokers/Dealers
6513 Real Estate Agents and Managers
6529* Quasi Cash – Remote Stored Value Load – Financial Institute
6530* Quasi Cash – Remote Stored Value Load – Merchant
6534* Quasi Cash – Money Transfer – Member Financial Institution
7299* Other Services –  Not Elsewhere Classified
7349 Cleaning, Maintenance and Janitorial Services
7511* Quasi Cash – Truck Stop Transactions
7523 Parking Lots, Parking Meters and Garages
8062* Hospitals
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
8299 Schools and Educational Services (Not Elsewhere Classified)
8398 Charitable Social Service Organizations
8651 Political Organizations
8661 Religious Organizations
8999* Professional 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
9405 U.S. Federal Government Agencies or Departments

*Effective 3 September 2024

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