Eligibility

1. The Standard Chartered Manhattan Credit Card Exclusive Bonus Cashback Promotion (“Promotion”) is available from 1 October 2024 to 31 October 2024 (both dates inclusive) (“Promotion Period”). The Promotion is open to principal cardholders of the Manhattan Credit Card issued by Standard Chartered Bank (Singapore) Limited who have received an invitation to participate in this promotion via any of the channels made available by the Bank (“Eligible Cardholders”). By participating in the Promotion, Eligible Cardholders agree to be bound by the Promotion 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 The Good Life® Programme.
3. For an Eligible Cardholder to be eligible for the Promotion, his/her Manhattan Credit Card account indicated in the invitation (each an “Eligible Card”) 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 Standard Chartered Bank (Singapore) Limited (“Bank” or “we”) in its sole and absolute discretion (and the Bank shall not be obliged to disclose its reason) from 1 October 2024 to 31 October 2024 (both dates inclusive).

Participation   

4. To participate in the Promotion, an Eligible Cardholder must spend on his/her Eligible Card (“Eligible Spends”). For the avoidance of doubt, Eligible Spends refer only to spends made on the Eligible Card within the Promotion Period, subject to Clause 12 below.
5. 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 and email address to contact him/her about products and promotions offered by the Bank from time to time via telephone, SMS or Electronic Direct Mail. Such consent will supersede any prior choices made by the Eligible Cardholder. 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

6. To qualify for the promotion, Eligible Cardholders must make a minimum of S$300 Eligible Spends on his/her Eligible Card during the Promotion Period. For the avoidance of doubt, Eligible Spends must:
   a. have a transaction date falling within the Promotion Period;
   b. be successfully posted to the Eligible Card account within 3 days from the transaction date; and
   c. must not be an Excluded Transaction as set out in Clause 12 below.
7. If an Eligible Cardholder satisfies the conditions in Clause 6 above (“Qualified Cardholders”), he/she will be entitled to 1% bonus cashback on all Eligible Spends (“Bonus Cashback”), capped at S$30 Bonus Cashback per Qualified Cardholder. Please refer to the table below for further illustration.
   

   	Eligible Spends (1 – 31 Oct 2024)	Eligible for Bonus Cashback?	Bonus Cashback amount*
   Scenario 1	S$3,000	Yes	1% x S$3,000 = S$30
   Scenario 2	S$5,000	Yes	1% x S$5,000 = S$30** (**Bonus Cashback capped at S$30)
   Scenario 3	S$300	Yes	1% x S$300 = S$3
   Scenario 4	S$200	No	–

   *Bonus Cashback is awarded on top of the applicable base cashback received from Eligible Spends made on the Manhattan Credit Card. For more information on the base cashback rates of the Manhattan Credit Card, please refer to the MANHATTAN CashBack Terms and Conditions.

8. The Promotion is limited to the first 2,000 Qualified Cardholders.
9. The Bonus Cashback is non-transferable, non-assignable and non-exchangeable for cash or credit or otherwise.
10. The Bonus Cashback awarded under this Promotion will be credited to the Eligible Cardholder’s Eligible Card account by 31 December 2024.

General

11. Eligible Cardholders who dismiss the Promotion Invitation(s), regardless of whether such dismissal is accidental or not, acknowledge that they do so at their own risk. The Bank bears no responsibility for such dismissal and holds no obligation to reinstate or re-issue the Promotion Invitation(s) to them.
12. The following transactions charged to an Eligible Card will not be considered as Eligible Spends for the purpose of the Promotion (“Excluded Transactions”, each an “Excluded Transaction”):
13. 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 Manhattan Credit Card that is subsequently cancelled, voided, refunded or reversed;
    6. recurring payments (being automatic payments where you (including your supplementary cardholder(s) on your Manhattan Credit Card account) have given a one-time authorisation or instruction for the merchant to charge the payment directly to your Manhattan Credit 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 Manhattan Credit Card;
    8. amounts which have been rolled over from any preceding month’s statement;
    9. tax refunds credited into your Manhattan Credit Card account;
    10. any insurance premiums charged to your Manhattan Credit 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 Manhattan Credit Card;
    12. any top-ups or payment of funds to any prepaid cards and any prepaid accounts including without limitation:

1. 1. 1. any transactions classified under either of the following Merchant Category Codes:
         1. Financial Institutions – Merchandise, Services, and Debt Repayment (6012); or
         2. 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

      3. any transactions classified under one or more of the following Merchant Category:
         

         Excluded 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)
         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
         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

      4. any other charges, fees, transactions, or payments as we may stipulate from time to time.

13. For retail transactions charged to an Eligible Card which are successfully converted into monthly instalments, we will use the initial total amount charged and not the subsequent monthly instalment amount (converted monthly instalment amount) to determine if an Eligible Cardholder has met the minimum spend criteria, subject to Clauses 6 and 12.

14. For all non-Singapore dollar retail transactions charged to the Eligible Card, the transaction amount(s) posted in the Eligible Cardholder’s credit card statement (inclusive of the exchange rate conversion and commission, if any) will be used by the Bank to determine if the Eligible Cardholder has met the minimum spend criteria, provided such transaction is not an Excluded Transaction as set out in Clause 12.

15. All eligible Spends must be charged and posted to the Eligible Card within 3 days from the transaction date. The Bank is not responsible for any failure or delay in the transmission of the transactions by any party including but not limited to acquiring merchants, merchant establishments, or any telecommunication provider.

16. Eligible retail transactions charged to and posted to the card accounts of all supplementary cards linked to an Eligible Card will be treated as Eligible Spends made by the Eligible Cardholder on the relevant Eligible Card for the purpose of the Promotion.
17. The Bank may vary, modify, add, delete or otherwise revise any of the Promotion Terms and Conditions or modify, terminate, withdraw, extend, suspend or shorten the Promotion at any time at the Bank’s sole and absolute discretion, with or without prior notice or reason (and the Bank shall not be obliged to disclose its reasons).

18. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the Promotion, including the Eligible Cardholder’s eligibility for the Bonus Cashback and/or the Promotion. The Bank’s determination of all matters relating to the Promotion shall be final and conclusive and no correspondence will be entertained.

19. In the event the Bank has determined (in the Bank’s sole and absolute discretion) that an Eligible Cardholder is not eligible to receive the Bonus Cashback or to participate in the Promotion or has irregularly or wrongly redeemed the Bonus Cashback, or where the Bank has knowledge of subsequent events which would mean that the Eligible Cardholder would not have been entitled to the Bonus Cashback (including but not limited to where the Eligible Spends used to meet the minimum spend criteria were reversed or refunded), the Bank reserves the right to claw back the Bonus Cashback or deduct its value (or such other amount as it deems fit) from the Eligible Cardholder’s account(s) with the Bank.
20. The Promotion Terms and Conditions are to be read together with our Customer Terms, Credit Card Terms, Standard Chartered Credit Cards Spends Promotion Terms and Conditions, individual merchant and general terms for The Good Life® Programme and any other product terms that may be applicable in conjunction with the Promotion (collectively “Other Terms“).
21. In the event of any inconsistency between these 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.
22. A person who is not a party to the Promotion Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any of the Promotion Terms and Conditions.

23. The Promotion Terms and Conditions and any dispute or claim arising out of or in connection with the Promotion Terms and Conditions, shall be governed by and are to 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.

24. All information is correct at the time of publication.

Updated as of 27 September 2024