Eligibility

1. The Apple Pay & Contactless 2019 Promotion (“Promotion“) is available from 15 March 2019 to 14 May 2019 (both dates inclusive) (“Promotion Period“). The Promotion is open to all eligible principal cardholders of Standard Chartered Credit Cards (collectively, “Cards” and each, a “Card”) issued in Singapore by Standard Chartered Bank (Singapore) Limited (“Bank”) (collectively, “Eligible Cardholders“). By participating in the Promotion, Eligible Cardholders agree to be bound by these terms and conditions.

2. Unless otherwise stated, the Promotion is not valid with other offers, discounts, rebates, vouchers, privileges or promotions. The Promotion is valid in conjunction with the Standard Chartered Caltex 2019 Promotion (the terms and conditions of which can be found here), The Standard Chartered and Grab January to March 2019 Promotion (the terms and conditions of which can be found here) and The Good Life® 2019 Promotion (the individual merchant and general terms and conditions of which can be found here).
3. For the avoidance of doubt, a Card account must be valid (i.e. must not be suspended, cancelled and/or terminated), in good standing, and conducted in a proper and satisfactory manner, as determined by the Bank in its sole and absolute discretion (and the Bank shall not be obliged to disclose its reason) from 15 March 2019 to 14 July 2019 to be eligible for the Promotion.

Participation

4. To participate in the Promotion, Eligible Cardholders must:
   1. successfully register during the Promotion Period (as defined in Clause 1 above):
   2. by sending an SMS in the format set out in Clause 6 below (“Registration SMS“) (such registration process referred to as “Registration”).
5. The Bank will not accept any:
   1. attempts to register before and/or after the Promotion Period; and
   2. registrations that are not in the prescribed format (as set out in Clause 6 below).

All such registrations will be considered by the Bank to be invalid and/or void, and the Bank’s determination shall be final and conclusive.

6. All Registration SMSes must be composed in the following format:

“AC19”
(Example: AC19)
The composed SMS must be sent to 77222 (if the Eligible Cardholder is sending the SMS when he/she is in Singapore) or +65 8318 4584 (if the Eligible Cardholder is sending the SMS when he/she is not in Singapore) from the Eligible Cardholder’s mobile number that is registered with the Bank (“Bank Registered Mobile Number”). All SMSes which are not in this prescribed format, sent to an incorrect number, or sent from a non-Bank Registered Mobile Number will not be accepted and will be considered by the Bank to be invalid and/or void, and the Bank’s determination shall be final and conclusive.

7. An acknowledgement of successful Registration will be sent to the Eligible Cardholder’s Bank Registered Mobile Number. Upon successful Registration, all of the Eligible Cardholder’s validly existing Cards (as set out in Clause 3) will be registered for the Promotion (such successfully registered card(s) hereinafter referred to as a “Registered Card” and the cardholder of such Registered Card, a “Registered Cardholder”).
8. As and when Registered Cardholders change or update their Bank Registered Mobile Number during the Promotion Period, such Registered Cardholders will have to re-register for the Promotion under the new number within the Promotion Period as set out in Clause 4. Failure to re-register will mean that the cardholder will not be eligible for the Promotion.
9. Eligible Cardholders need only register once by Registration SMS within the Promotion Period to participate in the Promotion, except where Registered Cardholders change or update their Bank Registered Mobile Number (for which Clause 8 above would apply).
10. For the avoidance of doubt, Eligible Cardholders may register anytime for the Promotion only within the Promotion Period.
11. The speed and reliability of service of the Eligible Cardholder’s internet and/or mobile connection is dependent solely on his/her respective internet and/or mobile service providers. The Bank is not and will not be responsible or liable in any manner whatsoever for any delay or failure in the transmission or receipt of any Registration SMS, or any failure to successfully register resulting from the same. Eligible Cardholders shall be solely responsible for all fees and charges imposed by their service providers in the Registration.
12. By registering for the Promotion and 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 Cardholders is registered or subsequently registers his/her contact information with the national Do Not Call Registry.

Promotion Mechanics

13. Subject to the terms herein, if the Eligible Cardholder has more than one Registered Card, he/she can aggregate the number of Qualifying Transactions (as defined in Clause 17 below) across all his/her Registered Cards, to qualify for Cashback (as defined in Clause 14 below) under the Promotion.

14. For purposes of the Promotion and subject to the cashback cap set out in Clause 15 below, “Cashback” awarded on Qualifying Transactions is as follows:
    1. S$5 Cashback for every five (5) Qualifying Apple Pay Transactions; and/or
    2. S$5 Cashback for every ten (10) Qualifying Contactless Transactions.
15. To qualify for Cashback under the Promotion, the Eligible Cardholder must be within the first 16,000 cardholders to make either a minimum of 5 Qualifying Apple Pay Transactions or a minimum of 10 Qualifying Contactless Transactions during the Promotion Period. The maximum cashback each Eligible Cardholder is eligible to receive under the Promotion is capped at S$30.

16. Illustration for Cashback awarded on Qualifying Transactions provided that the he/she is within the first 16,000 Eligible Cardholders with at least 1 Registered Card to make either a minimum of 5 Qualifying Apple Pay Transactions or a minimum of 10 Qualifying Contactless Transactions during the Promotion Period.

To illustrate:

17. “Qualifying Transactions” refers to the two types of transactions below:
    1. retail transactions charged to the Registered Card via Apple Pay™ only (“Qualifying Apple Pay Transactions”); and
    2. retail transactions: (i) charged to the Registered Card via a mobile wallet that is not Apple Pay (namely, Samsung Pay™ or Google Pay™) or (ii) charged via a contactless mode (namely, Visa payWave™ or Tap & Go™ with Mastercard) ((i) and (ii) collectively to be referred to as “Qualifying Contactless Transactions”) provided that such transaction is not a retail transaction made on the Grab app.

For the avoidance of doubt, all transactions made on the Grab app will not be considered as Qualifying Transactions for the Promotion. Qualifying Contactless Transactions through Google Pay comprise Qualifying Contactless Transactions that are made via a Card that was added and verified, creating a Virtual Account Number, in the Google Pay mobile application.

18. The following transactions charged to a Registered Card will not be considered as Qualifying Transactions:
    1. Insurance premiums, including premiums for investment-linked policies, charged to the Registered 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. EZ-Link cards transactions;
    8. TransitLink transactions;
    9. Any transactions pertaining to Merchant Category Codes 6211 (Security Brokers/Dealers) and 7995 (Gambling/Lotto);
    10. Balance transfers to the Registered Card, cash advances from the Registered Card, purchases via NETS and ongoing instalment payments;
    11. 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 the Registered Card;
    12. Any amount charged to the Registered Card during the Promotion Period that is subsequently cancelled, voided or reversed; and
    13. Balance owing on the Registered Card account from other months.

19. The Bank will only consider aggregated charges billed to the Eligible Cardholder’s credit card account for all Account-Based Ticketing (“ABT”) transactions. In other words, it is the aggregated charges billed to the Eligible Cardholder’s Card account (and not each train and/or bus fare) that will be considered as part of the Qualifying Transaction. For more information on how ABT is billed, please refer to https://abt.transitlink.com.sg/FAQs.

20. Qualifying Transactions charged to supplementary cards of a Card account will be counted towards the Qualifying Transactions for the purposes of the Promotion.

21. Eligible Cardholders who have qualified to receive the Cashback will be notified by SMS no later than 14 July 2019. Cashback awarded under the Cashback Promotion will be credited to the credit card account of the Registered Card by 14 July 2019. If the Eligible Cardholder has more than one Registered Card, the Cashback will be credited to the credit card account of the Registered Card with the highest number of Qualifying Transactions.

General

22. In the event that the Eligible Cardholder terminates his/her banking relationship with the Bank within 6 months of the expiry of the Promotion Period, the Bank further reserves the right to recover the whole or any part of the Cashback(s) given to you under this Promotion. At the time of ]crediting of the Cashback(s), the Registered Card account must be valid (i.e. must not be suspended, cancelled and/or terminated), in good standing, and conducted in a proper and satisfactory manner, as determined by the Bank in its sole and absolute discretion (and the Bank shall not be obliged to disclosed its reason), failing which, the Cashback(s) will be forfeited and the Bank shall also be entitled to recover the whole or any part of the Cashback(s) (or such equivalent value) given to you.
23. The Bank is not responsible for any failure or delay in the transmission of the transactions by any party including but not limited to Mastercard/Visa acquiring merchants, merchant establishments, any telecommunication provider, any internet service provider or website.

24. The Bank reserves the right to revise these terms and conditions, modify or withdraw the Promotion at any time without prior notice or reason including terminating, shortening, suspending, extending or withdrawing the Promotion and/or substituting the Cashback with any other item (which may or may not be of equivalent or similar value), without prior notice or reason.

25. The Bank accepts no liability for the goods and services provided by any merchant or service provider. Any dispute about the same must be resolved directly with the merchant or service provider. In case of any disputes, the decision of the Bank and the respective merchants, or service providers shall be final.

26. The Bank is not an agent of any merchant or service provider or vice versa.

27. The Cashback is non-transferable, non-assignable and non-exchangeable for cash or credit or otherwise.

28. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the Promotion. The Bank’s determination of all matters relating to the Promotion shall be final and binding, and no correspondence will be entertained.

29. In the event the Bank has determined that an Eligible Cardholder has irregularly or wrongly received the Cashback from the Bank, or where the Bank has knowledge of subsequent events which would mean that the Eligible Cardholder would not have been entitled to receive the Cashback (including where the charges for the Qualifying Transaction were reversed or refunded), the Bank reserves the right to claw back the Cashback or to deduct the value of the Cashback from the Eligible Cardholder’s account(s) with the Bank. For the purposes of clawing back any part or all of the Cashback, the Eligible Cardholder authorizes and consents to the Bank debiting the value of any part or all of the Cashback from any of his/her credit card accounts.

30. In the event of any inconsistency between the Promotion Terms and Conditions and any brochures, marketing or promotional materials relating to the Promotion, these Promotion Terms and Conditions shall prevail to the extent of such inconsistency.
31. Please read these terms and conditions together with our Customer Terms and Credit Card Terms and any other product terms that may be applicable in conjunction with the Promotion (collectively “Other Terms“). In the event of any inconsistency between these terms and the Other Terms, these terms prevail only to the extent of such inconsistency.
32. A person who is not a party to these Promotion Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of the Promotion Terms and Conditions.

33. The Promotion Terms and Conditions are governed by and shall be construed in accordance with the laws of the Republic of Singapore and you agree to submit to the exclusive jurisdiction of the courts of the Republic of Singapore.
34. Google Pay is a trademark of Google LLC.
35. All information is correct at the time of publication.