1. This Smart Credit Card $388 Acquisition Cashback Promotion (the “Promotion”) is available from 6 December 2024 to 31 March 2025 (both dates inclusive) (the “Promotion Period“), unless otherwise extended or otherwise terminated in accordance with these terms and conditions. By participating in this Promotion, you agree to be bound by these terms and conditions.

Eligibility – New credit cardholders

2. To qualify for this Promotion, you must apply for the Smart Credit Card (an “Eligible Card”) through https://www.sc.com/sg/credit-cards/, SC Referral Club, SC Online Banking or SC Mobile appissued by Standard Chartered Bank (Singapore) Limited (“Standard Chartered” or the “Bank”) as a principal cardholder between 6 December 2024 to 31 March 2024.You must be a new Standard Chartered principal cardholder. In other words, you must not have any existing or previously cancelled Standard Chartered credit cards in the last 12 months.
3. Standard Chartered must receive your application for the Eligible Card within the Promotion Period. Notwithstanding the foregoing, Standard Chartered may continue to process any application received by Standard Chartered up to 14 calendar days after the end of the Promotion Period, and Standard Chartered shall retain the sole and absolute discretion to determine the eligibility of these applications and/or allow the said applications for the purposes of this Promotion on a case-to-case basis, subject to these terms and conditions;
4. Your Eligible Card application must be approved by Standard Chartered within 14 calendar days after the Promotion Period, where such approval is final and unconditional;
5. You must activate either the digital or physical version of the Eligible Card within 30 days of the card approval date. The Eligible Card account must, within three (3) months of the Eligible Card account opening date, be valid (i.e. the Eligible Card account must not be suspended, cancelled and/or terminated), in good standing, and conducted in a proper and satisfactory manner as determined by Standard Chartered in its sole and absolute discretion.
6. If you satisfy all the eligibility criteria set out in Clause 2 you will be eligible for the Acquisition Cashback of SGD 388 (“Acquisition Cashback”) if you charge at least S$1,000 of Eligible Transactions (as defined in Clause 7) to the Eligible Card within 60 days of card approval.
7. An “Eligible Transaction”, for the purposes of this Promotion, is a transaction which is charged and posted to the Eligible Card within 60 days of the date the application for the Eligible Card is approved pursuant to this Promotion. For the purposes of this Promotion, the transactions listed in Standard Chartered Credit Cards Retail Transaction Exclusions – Standard Chartered Singapore (sc.com) will not be considered as Eligible Transactions.

Cashback Fulfilment mechanics

8. The Acquisition Cashback you are entitled to receive under this Promotion will be credited to your Eligible Card account following the table below, subject to the Eligible Card being valid and in good standing at the time of crediting.
   

   Eligible Cards approved in	Acquisition Cashback credited by
   December 2024	31 March 2025
   January 2025	30 April 2025
   February 2025	31 May 2025
   March 2025	30 June 2025

General

9. Unless otherwise stated, this Promotion is not valid with other offers, discounts, rebates, vouchers, privileges or promotions.
10. The Acquisition Cashback is not exchangeable for cash or any other items and is non-transferable and non-assignable.
11. If the Bank at any time determines (at its sole and absolute discretion) that any of the eligibility requirements set out in Clauses 2 through 7 above was not or has not been complied with but any cashback has been received by you, the Bank reserves the right to recover any / all cashback or the value of any / all cashback from you.
12. Standard Chartered reserves the right to do any of the following without prior notice:
    1. modify, terminate, withdraw, shorten, suspend or extend this Promotion at the Bank’s sole and absolute discretion, with or without prior notice or reason; and/or
    2. vary, modify, revise, add or delete any of the terms of the Promotion. You agree and consent to be bound by any such variation, modification, revision, addition or deletion.
13. These Smart Credit Card $388 Acquisition Cashback Promotion Terms and Conditions are to be read in conjunction with our Customer Terms, Credit Card Terms and any other specific Product Terms that may be relevant in connection with this Promotion (“Other Terms”). In the event of any inconsistency between these Credit Card Acquisition Cashback Promotion Terms and the Other Terms, these terms prevail only to the extent of such inconsistency.
14. Standard Chartered is not responsible for any failure or delay in the transmission of any transaction by any party, including acquiring merchants, merchant establishments or any telecommunication provider.
15. Standard Chartered makes no warranty or representation as to the quality, merchantability or fitness for purpose of the goods and services bought and accepts no liability for the services provided by any merchant or service provider. Any dispute about the same must be resolved directly with the merchant or service provider.
16. Standard Chartered reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with this Promotion, including:
    1. your eligibility to participate in this Promotion;
    2. your eligibility to receive any cashback under this Promotion; and/or
    3. calculation of the cashback you receive under this Promotion

Standard Chartered’s determination of all matters relating to this Promotion shall be final and conclusive and no correspondence will be entertained.

17. By applying for an Eligible Card pursuant to this Promotion, you consent to the use of your personal data for marketing purposes, including but not limited to the use of your telephone number and email address to contact you 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 you. Such consent will also prevail even if you are registered or subsequently register your contact information with the national Do Not Call Registry.
18. A person who is not a party to these Credit Card Acquisition Cashback Promotion Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of these Credit Card Acquisition Cashback Promotion Terms and Conditions.
19. These Credit Card Acquisition Cashback Promotion Terms and Conditions and any dispute or claim arising out of or in connection with these Credit Card Acquisition Cashback 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.
20. All information is accurate at time of publication.