Eligibility

1. The Million Reasons to be Happier Promotion (“Promotion”) is available from 8 November 2024 to 28 February 2025 (both dates inclusive) (“Promotion Period”). The Promotion is open to:
   1. all principal cardholders of credit cards issued by Standard Chartered Bank (Singapore) Limited (each a “Card”, collectively “Cards”),
   2. Customers (“Existing Customers”) of Standard Chartered Bank (Singapore) (“Bank” or “we”) who are at least 21 years old and hold a valid Singapore Dollar Deposit account(s) (collectively, referred to as “Eligible Deposit Account(s)”) as a primary account holder as of 8 November 2024, and
   3. Customers (“New Customers”), who are at least 21 years old, as a main account holder for one of the Eligible Deposit Accounts or as a principal cardholder of a credit card issued by the Bank and the applications for Eligible Account or Card must be approved by the Bank during the Promotion Period.

For the purposes of the Promotion, a customer who fulfils the above criteria shall be referred to as an “Eligible Customer”, and collectively such customers shall be referred to as the “Eligible Customers”. By participating in the Promotion, Eligible Customers 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 Customer to be eligible for the Promotion, his/her Card, CashOne ( as defined in Clause 14), and Eligible Deposit 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 Standard Chartered Bank (Singapore) Limited in its sole and absolute discretion (and the Bank shall not be obliged to disclose its reason)) from 8 November to 30 June 2025 (both dates inclusive).

Participation

4. To participate in the Promotion, an Eligible Customer must be a registered and valid user of the Standard Chartered Mobile Banking App (“SC Mobile App”) and have enabled the option to receive Push Notification (as defined below) on his/her mobile phone and SC Mobile App (in particular Banking and Marketing alerts).
5. To successfully register for the Promotion, an Eligible Customer must register for the Promotion during the Promotion Period, by clicking on the ‘Register Now’ button found in a Push Notification summarising the details of the Promotion (“Promotion Invitation”). For the avoidance of doubt, the Promotion Invitation will only be broadcasted from 8 November 2024 onwards, and the frequency of such broadcast will be at the Bank’s determination.
6. Upon clicking on the ‘Register Now’ button in the Promotion Invitation, all of the Eligible Customer’s validly existing Card(s) and Account (s) (i.e. not 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)) will be registered for the Promotion (such successfully registered card(s) hereinafter referred to as a “Registered Customer” immediately.
7. Eligible Customer is required to register only once to participate in the promotion.
8. If the Eligible Customer misses the initial Push Notification, he/she may access the Promotion Invitation through the following alternatives within SC Mobile App:
   1. notification inbox, or;
   2. ‘Discover’ tab under ‘Credit Card Promotions’
9. The Bank will not accept any registration for the Promotion that is before and/or after the Promotion Period. 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.
10. The speed and reliability of service of the Eligible Customer’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 any failure to successfully register resulting from the same. Eligible Customers shall be solely responsible for all fees and charges imposed by their service providers in relation to the registration for the Promotion.
11. By registering for and participating in the Promotion, the Registered Customer 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 Registered Customer. Such consent will also prevail even if the Registered Customer is registered or subsequently registers his/her contact information with the national Do Not Call Registry.

Promotion Mechanics

12. To earn a chance for the Lucky Draw Prize (as defined in Clause 18 below) and/or the Surprise Treats (defined in Clause 30 below) under the Promotion, the Registered Customer must, during the Promotion Period, make at least one of the following actions set out in the table below ( “Qualifying Transaction”).

Sample Scenarios:

13. “Fresh funds” refers to funds that do not originate from any existing Deposit account with the Bank or funds that are not withdrawn and re-deposited within 30 days of the Promotion Period. At the end of the calendar month, if the Registered Customer meet incremental fresh funds criteria on your Eligible Deposit Account(s), such that your combined period end balance (PE balance) on all your Eligible Deposit Account(s) is at least S$15,000 higher than the combined PE balance in the previous month, the respective chances will then be issued to the Registered customer within the next 2 weeks after the assessment is complete.
14. To meet the CashOne Criteria in Clause 12 above,

1. Registered Customer must apply for a CashOne Personal Loan (“CashOne”), a Credit Card Instalment Loan, or a subsequent top up loan on your existing Credit Card Instalment Loan account, with Standard Chartered Bank (Singapore) Limited (the “Bank”):
   1. at an applied interest rate of 2.88% p.a.^ and above (EIR* from 5.84% p.a.); and
   2. to be repaid over tenures of 3, 4 or 5 years;
2. Registered Customer must have applied through any of the application channels made available by the Bank;
3. For Eligible Customers who have applied through an offline channel (e.g., telesales or in person at any of our branches), they must register for the Promotion within 7 calendar days from the date of their application;
4. the Bank receives Registered Customer’s Application during the Promotion Period;
5. the Application must be approved by the Bank; and
6. the approved loan amount for Registered Customer’s CashOne / Credit Card Instalment Loan (“Approved Loan Amount”) or the approved top up loan amount for your top up loan on your existing Credit Card Instalment Loan account with the Bank (“Approved Top Up Loan Amount”), as the case may be, pursuant to this Promotion, must be a minimum of S$15,000.

^Applied interest rate of 2.88% p.a. is only valid for tenures of 3 to 5 years

*EIR is calculated taking into consideration the first-year annual fee of S$199; and is based on average loan amount of S$20,000

If the above criteria is met and account remains in good standing, the respective chances will then be issued to the Registered customer within the next calendar month after the assessment is complete.

15. Incoming PayNow refers to an incoming PayNow transfer of minimum S$50 from a third party to a valid Current or Savings Account. Each Registered Customer can only earn Chances for a maximum of 1 qualifying PayNow transfer per day. For example, if a Registered Customer receives 2 incoming qualifying PayNow in a day, he/she will only earn 1 Chance for the lucky draw.
16. For avoidance of doubt, the Credit Card spends (“Spend Amounts”) mentioned above would include local and foreign currency across any of his/her Registered Card(s). For purposes of the Promotion, Spend Amounts are retail transactions that:
    1. have a transaction date falling within the Promotion Period;
    2. have been successfully posted to the Registered Card account by the end of the Promotion Period; and
    3. are not excluded transactions (as set out at Clause 40 below).

17. For the purposes of the Promotion, amounts charged to a Card, any new credit card account, deposit account opened, any CashOne approved or any incremental fresh funds made before the registration for the Promotion is successfully completed will not be considered a Qualifying Transaction.

Lucky Draw Mechanics

18. Eligible Customer will be eligible to enter the Lucky Draw and receive chances to win a Lucky Draw Prize (“Lucky Draw Eligible Customer”), as per the table below.

19. Lucky Draw Eligible Customers will be awarded Chances as described in Clause 12 above.
20. The following persons are not entitled to participate in the Lucky Draw:
    1. Estates of deceased customers; and
    2. Bank staff who worked on the lucky draw

Lucky Draw Date and Determination of Winners

21. The Lucky Draw (“Draw”) will be conducted in the presence of an independent scrutineer at Standard Chartered Bank CBP1 (7 Changi Business Park Crescent, Singapore 486028) on 1 April 2025, at 1600 hours or at such venue, date and time as may be determined and informed.
22. Lucky Draw Eligible customers shall be randomly selected by an automated computerized system for the Porsche Taycan Electric and the winner will be verified by an independent auditor stated in Clause 21. The Bank shall have full and absolute discretion to change the Draw mechanics including the date and venue of the Draw without giving prior notice or reason (and the Bank shall not be obliged to disclose its reason). The Bank may appoint, in its sole and absolute discretion, any party as the Bank deems fit as the external auditor for the Draw.

Fulfilment – Lucky Draw

23. Within 7 days after the Lucky Draw is conducted, the Lucky Draw Eligible Customer will be notified of the result via push notification through the SC Mobile App and/or electronic direct mailer from the Bank. This will include the details of the redemption process. If the Lucky Draw Eligible Customer is subsequently deemed as ineligible or disqualified, the Bank reserves the right to draw reserve winners (the “Reserve Lucky Draw Customer “) and the Reserve Lucky Draw Winner will be notified via a push notification through the SC Mobile App and/or electronic direct mailer from the Bank.
24. In the event any Lucky Draw Eligible Customer is uncontactable, fails to collect the Lucky Draw Prize as indicated in the push notification received in Clause 23 above, and/or is determined by the Bank to be disqualified or otherwise ineligible to receive a Prize (each, an “Ineligible Lucky Draw Customer“), the Lucky Draw Prize will be forfeited by the Ineligible Lucky Draw Customer. The Bank shall have the right to randomly select a reserve winner (the “Reserve Lucky Draw Customer “) during the Draw. In the event that the Winner of the Lucky Draw Prize is an Ineligible Lucky Draw Customer, the Bank shall have the right to award the Lucky Draw Prize to the Reserve Lucky Draw Customer instead.
25. The Lucky Draw Prize is non-transferrable, non-redeemable for cash, non-assignable, non-exchangeable and non-replaceable; save that the Bank may, at its discretion, substitute the Lucky Draw Prize with an item or items of equal or similar value. Lucky Draw Eligible Customer is solely responsible for all federal, state, provincial and local taxes that may apply to the Lucky Draw Prize. In the event that a Lucky Draw Eligible Customer elects not to collect or utilize all or any portion of a Prize, such Prize or portion thereof shall be deemed forfeited.
26. Use of the Lucky Draw Prize is, where applicable, subject to the terms and conditions of the merchants providing the relevant products and/or services; please refer to the respective merchants for details. The Bank is not a supplier of the products and/or services provided by the merchants involved in this Promotion and will not accept any liability in relation thereto. There will be no replacement of any lost, defaced, damaged or stolen Prize (or any part of it) after issuance.
27. The Lucky Draw Eligible Customer is limited to one Lucky Draw Prize.
28. With regard to the Lucky Draw Prize:
    1. The Lucky Draw Prize only includes (i) the vehicle described in Clause17, (ii) the prevailing Goods and Services Tax, Additional Registration Fee (ARF), Vehicles Emission Scheme surcharge (VES), 12-months road tax, registration fee and standard equipment for the vehicle, and (iii) 5-year free maintenance and warranty package in respect of the vehicle.
    2. The Lucky Draw Prize does not include any other items or expenses relating to the vehicle (including but not limited to road tax, insurance, Certificate of Entitlement (COE), private registration fee, number plate expenses or any other duties, fees, taxes, costs or other charges which may be imposed in respect of the vehicle by the relevant authorities and/or which may be required to register the vehicle) (“Expenses“). All applicable Expenses shall be borne solely by the Winner of the Lucky Draw Prize.
    3. If the Winner of the Lucky Draw Prize fails to pay for any applicable Expenses, the Bank shall have the discretion to disqualify him/her from receiving the Grand Prize, and select a new Winner of the Lucky Draw Prize in accordance with Clause 19.
    4. The Lucky Draw Prize may only be transferred to and registered in the name of the Winner of the Lucky Draw Prize, and the Bank and Porsche Singapore Pte. Ltd.  (as the authorized dealer of the Lucky Draw Prize in Singapore) (the “Dealer” ) are not obliged to transfer or register the Lucky Draw Prize in the name of any other person.
    5. The Lucky Draw Prize is subject to the Dealer’s and/or the applicable car manufacturer’s terms and conditions; please refer to them for further details.

29. By submitting the registration, you consent to the publication of your name if you are the Lucky Draw Winner. The Lucky Draw result (the Lucky Draw winner’ partial name and last 4 digit of NRICs) will be published on the Bank website and social channels, within 7 days after the Lucky Draw is conducted.

Surprise Treats Mechanics

30. Eligible Customers who have made a Credit card spends of S$50 or more and/or has successfully applied for a SC Easypay on Transaction (as per Clause 12) will also be eligible to earn Tokens to unlock Special Treats (“Winning Cardholder”). There will be multiple milestones which customers can unlock based on the number of tokens earned as described in Clause 12 above. These Surprise treats will be shown to customer instantly via a pop up banner on the SC Mobile screen when they have successfully unlocked the milestones.

There will be a total of 210,531 Surprise Treats.

The Prizes above are subject and limited to availability – on a first come first serve basis, and will be released on a periodic basis, as defined by the Bank, throughout the campaign period.

31. The computer programme will randomly allocate Prizes to Winning Cardholders in the event that there are more than one prize within the Milestone (example: Milestone 2 above). The Prizes allocated will be chosen by the computer programme designed specifically for the purpose of the Promotion at 7 Changi Business Park Crescent, Singapore 486028, Standard Chartered Bank @ Changi 1.
32. We reserve the discretion to change any of the Prize allocation mechanics without giving prior notice or reason.
33. Each Prize will be credited to the Winning Cardholder’s Registered Credit Card account with the highest cumulative spend in Qualifying Transactions during the Promotion Period by 30 June 2025 (or such Registered Credit Card account of the Registered Customer as the Bank may decide in its sole and absolute discretion and the Bank shall not be obliged to disclose its reason). The details of the Prize amount will be reflected in the Winning Cardholder’s next Credit Card Statement of Account from the date of crediting. For the Winning Cardholder who has won miles in equivalent SCB 360° Rewards Points as Prizes, it will be credited to any of the Cardholder’s SCB 360° Rewards Points earning Credit Card. If the Winning Cardholder does not have a SCB 360° Rewards Points earning Credit Card, he/she will be credited the cashback equivalent of the SCB 360° Rewards Points (Please refer to Clause 21 of the Credit Card Terms).
34. For avoidance of doubt, only Prizes that have been claimed by Winning Cardholders will be credited to his/her Registered Credit Card account. To claim the Prize, Winning Cardholders need to click the ‘Redeem’ button within the milestone. Any unclaimed Prize will not be credited to the Winning Cardholders.

General

35. The Prizes awarded under the Promotion are strictly non-transferable and non-exchangeable for cash or credit or otherwise.
36. No payment or compensation whether in cash, credit or kind shall be made for any lost, misplaced or stolen Prizes.
37. The Bank reserves the right to replace or substitute the Prizes with any item of equivalent or similar value, without prior notice or reason (and the Bank shall not be obliged to disclose its reason).
38. Eligible Customers 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) and/or Push Notification(s) to them.
39. In the event that the Registered Customer 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 Prize given to him/her under this Promotion. At the time of crediting of the Prize, the relevant 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 disclose its reason)), failing which, the Prize will be forfeited and the Bank shall also be entitled to recover the whole or any part of the Prize (or such equivalent value) given to him/her.
40. The following transactions charged to a Card will not be considered a qualifying transaction (for the purposes of the Promotion) (“Excluded Transactions”, each an “Excluded Transaction”)
    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 that is subsequently cancelled, voided, refunded or reversed;
    6. recurring payments (being automatic payments where Registered Customer (including supplementary cardholder(s)) have given a one-time authorisation or instruction for the merchant to charge the payment directly to Registered Customer‘s 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;
    8. amounts which have been rolled over from any preceding month’s statement;
    9. tax refunds credited into Registered Customer’s Credit Card account;
    10. any insurance premiums charged to your Registered Customer’s Credit Card;
    11. any GRAB transactions made;
    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 Registered Customer’s Credit Card;
    13. any top-ups or payment of funds to any prepaid cards 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:

n. any transaction classified under one or more of the following Merchant Category Codes:

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

41. For retail transactions charged to a Registered Card which are successfully converted into monthly instalments, we will use the initial total amount charged, subject to clause 12 and/or 40, and not the subsequent monthly instalment amount (converted monthly instalment amount) to determine if a Registered Customer has met the Spend Amounts, provided such transaction is not an Excluded Transaction.
42. For all non-Singapore dollar retail transactions charged to the Registered Card, the transaction amount(s) posted in the Registered Customer’s credit card statement (inclusive of the exchange rate conversion and commission, if any) will be used by the Bank to determine if the Registered Customer has made the eligible Spend Amounts, provided such transaction is not an Excluded Transaction.
43. All eligible retail transactions must be charged and posted to the Registered Card by the end of the Promotion Period. We are 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.
44. Eligible retail transactions charged to and posted to the card accounts of all supplementary cards linked to a Registered Card will be treated as an eligible retail transactions made by the principal Registered Customer on the relevant principal Registered Card for the purposes of the Promotion.
45. 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).
46. 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 Registered Customer’s eligibility and the allocation for the Prize. The Bank’s determination of all matters relating to the Promotion shall be final and conclusive and no correspondence will be entertained.
47. Without prejudice to Clause 48 in the event the Bank has determined (in the Bank’s sole and absolute discretion) that a Registered Customer is not eligible to receive the Lucky Draw Prize and/or Prize or to participate in the Promotion or has irregularly or wrongly redeemed the Lucky Draw Prize and/or Prize, or where the Bank has knowledge of subsequent events which would mean that the Registered Customer would not have been entitled to redeem the Prize (including but not limited to where the charges used to meet the relevant minimum spend(s) were reversed or refunded), the Bank reserves the right to claw back the Lucky Draw Prize and/or Prize or to deduct its value (or such other amount as it deems fit) from the Registered Customer’s account(s) with the Bank.
48. Except for death or personal injury caused by the negligence of the Bank, to the fullest extent permitted by law, the Bank and members of the Bank’s group shall have no liability in respect of, will be indemnified from and against, and/or you hereby agree to release and hold the Bank and members of the Bank’s group harmless for, any expenses, costs of any kind (including legal costs), liability, loss (whether foreseeable or not), claim or damage, directly or indirectly, suffered, incurred (whether in common law or equity), arising from or in connection with your acceptance, possession, use, misuse and/or enjoyment of the Lucky Draw Prize and/or Prize and/or this Promotion.
49. For the avoidance of doubt, the Bank is not an agent of Porsche Singapore Pte Ltd, the merchant rewarding the Lucky Draw Prize . The Bank makes no warranty or representation as to the quality, value, merchantability or fitness for the purpose of the Lucky Draw Prize and assume no liability or responsibility for the acts or omissions of Porsche Singapore Pte Ltd, its employees, agents and/or officers or any non-performance or defects whatsoever, whether arising from the services provided by Porsche Singapore Pte Ltd or otherwise. Any dispute about the quality, value, condition or performance of the services received from Porsche Singapore Pte Ltd is to be resolved directly between you and Porsche Singapore Pte Ltd. The Bank is not obliged to assist or act on your behalf in communicating with Porsche Singapore Pte Ltd for any reason. You accept the Lucky Draw Prize as it is and subject to any terms and conditions Porsche Singapore Pte Ltd may impose.
50. The Promotion Terms and Conditions are to be read together with our Customer Terms, Credit Card Terms, EasyPay on Transaction Programme Terms and Conditions, individual merchant and general terms for The Good Life® Programme, Current/Cheque/Savings Account and Time Deposit Terms, The Personal Loan / Personal Line of Credit / Overdraft Terms, the CashOne Product Terms and/or the Credit Card Credit Card Instalment Loan Product Terms (as the case may be) and any other specific product terms that may be applicable in relation to this Promotion  and any other product terms that may be applicable in conjunction with the Promotion (collectively “Other Terms“). In the event of any inconsistency between the Promotion Terms and Conditions and the Other Terms, the Promotion Terms & Conditions will prevail only to the extent of such inconsistency.
51. 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.
52. 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.
53. 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.
54. All information is correct at the time of publication.

Deposit Insurance Scheme

Deposit Insurance Scheme Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured

Updated as of 8 November 2024