1. The Standard Chartered Simply Cash Credit Card 2.5% Cashback Promotion (the “Promotion”) is available from 22 October to 30 November 2024 (both dates includes) (the “Promotion Period”).
   By participating in this Promotion, Eligible Cardholders (as defined in Clause 2 below) agree to be bound by these terms and conditions.

Eligibility Criteria

2. To participate in this Promotion, the Cardholder must hold an “Eligible Card” which is a Standard Chartered Simply Cash Credit Card that is issued by the Bank, that is validly existing (i.e. must not be suspended, cancelled or terminated), in good standing, and conducted in a proper and satisfactory manner, at all times as determined by the Bank in its sole and absolute discretion (and the Bank shall not be obliged to disclose its reason).

3. The Promotion is only open to principal cardholders who have received an invitation to participate in this promotion via any of the channels made available by the bank (including but not limited to SC Mobile push notifications and/or emails). (“Eligible Cardholders”).

4. Eligible Cardholders will be automatically enrolled and are not required to register for this Promotion.

Promotion – Spend Criteria

5. Eligible Cardholders must achieve the minimum eligible spend amount specified in the promotion invitation (“Minimum Spend Criteria”). Eligible spend transactions are defined as retail transactions that:
   1. have a transaction posting date falling within the Promotion Period; and
   2. are not excluded transactions.

Promotion – Cashback

6. Eligible Cardholders who have satisfied Clause 5 will be entitled to a Bonus 1% Cashback (“Bonus Cashback”) for all eligible spend transactions above the minimum spend criteria.For the avoidance of doubt, the Bonus Cashback is in addition to the 1.5% Base Cashback awarded under the Standard Chartered Simply Cash Credit Card Terms & Conditions. Therefore, the total cashback earned is 2.5% for eligible spend transactions above the minimum spend criteria.
7. There is no cap to the amount of bonus cashback an eligible cardholder can earn under this promotion. Cashback is non-transferable, non-assignable and non-exchangeable for cash or credit or otherwise.

To illustrate, refer to the table below:

9. Bonus Cashback awarded under this Promotion will be credited to the Cardholder’s Eligible Card by 29 January 2025.

 General  

10. 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 Good Life® Programme (the individual merchant and general terms and conditions of which can be found here).
11. The Bank reserves the right to replace or substitute the Bonus Cashback with any item of equivalent or similar value, without prior notice or reason (and the Bank shall not be obliged to disclose its reason).

12. 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 Bonus Cashback given to him/her under this Promotion. At the time of crediting of the Bonus Cashback, the Eligible 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 Bonus Cashback will be forfeited and the Bank shall also be entitled to recover the whole or any part of the Bonus Cashback (or such equivalent value) given to the Eligible Cardholder.

15. For all non-Singapore Dollar Eligible Foreign Currency 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 the Bonus Cashback entitled.

16. All Eligible Transactions must be charged and posted to the Eligible Card within 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.

17. An Eligible Transactions charged by a supplementary cardholder will be considered as an Eligible Transaction for the purposes of this Promotion.

18. 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.

19. The Bank may vary, modify, add, delete or otherwise revise any of the Terms and Conditions governing this Promotion 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).

20. 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 this Promotion shall be final and conclusive, and no correspondence will be entertained.

21. In the event the Bank has determined (in the Bank’s sole and absolute discretion) that a 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 Transactions 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.

22. 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.

23. 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 Bonus Cashback and/or this Promotion.

24. These Promotion Terms and Conditions are to be read 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.

25. A person who is not a party to these Promotion Terms and Conditions has no rights under the Contracts (Rights of Third Parties) Act 2001 to enforce any of these Promotion Terms and Conditions.

26. These 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.

27. All information is correct as at the time of publication.