Eligibility

1.The Spend & Win GB Promotion (“Promotion”) is available from 24 May 2024 to 19 July 2024 (both dates inclusive) (“Promotion Period”). The Promotion is open to all principal cardholders of credit cards issued by Standard Chartered Bank (Singapore) Limited (each a “Card”, collectively “Cards”). For the purposes of the Promotion, each principal cardholder of a Card shall be referred to as an “Eligible Cardholder”, and collectively such cardholders shall be referred to as the “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 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 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 24 May 2024 to 31 October 2024 (both dates inclusive).

Participation

4. To participate in the Promotion, an Eligible Cardholder 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 Cardholder 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 24 May 2024 onwards, and the frequency of such broadcast will be at the Bank’s determination. Registration for this campaign will also register Eligible Cardholders for the EasyPay on Transaction Cashback Campaign. EasyPay on Transaction Cashback Campaign Promotion Terms and Conditions apply.

6. Upon clicking on the ‘Register Now’ button in the Promotion Invitation, all of the Eligible Cardholder’s validly existing Card(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 Card” and the cardholder of such Registered Card, a “Registered Cardholder”) immediately.

7. Eligible Cardholder is required to register only once to participate in the promotion. 

8. If the Eligible Cardholder misses the initial Push Notification, he/she may access the Promotion Invitation through the following alternatives within SC Mobile App:

a. notification inbox, or;
b. ‘Discover’ tab under ‘Credit Card Promotions’, provided that there have been Card transactions incurred on the Card(s) in the last 14 days.

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 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 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 relation to the registration for the Promotion.

11. By registering for and participating in the Promotion, the Registered 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 Registered Cardholder. Such consent will also prevail even if the Registered Cardholder is registered or subsequently registers his/her contact information with the national Do Not Call Registry.

Promotion Mechanics

12. To qualify for a game turn under the Promotion, the Registered Cardholder must, during the Promotion Period, make at least one of the following actions set out in the table below ( “Qualifying Transaction”)

13. For avoidance of doubt, the local and foreign currency spend mentioned above (“Spend Amounts”) will be the spends across any of his/her Registered Card(s).

14. For purposes of the Promotion, Spend Amounts are retail transactions that:

a. have a transaction date falling within the Promotion Period;

b. have been successfully posted to the Registered Card account by the end of the Promotion Period; and

c. are not excluded transactions (as set out at Clause 29 below).

15. The Qualifying Transactions (each a “Winning Transaction”) made during the Promotion Period will each be randomly assigned a unique URL by an automated computerised system. Subject to Clause 17 below, a Push Notification containing a unique URL (“Push Notification”) will be sent to the Registered Cardholder’s SC Mobile notification inbox when a Qualifying Transaction is a Winning Transaction. For the avoidance of doubt, the Push Notification will only be sent to the Registered Cardholders for the Qualifying Transactions and subject to Clause 17 and 18 below.

16. For the purposes of the Promotion, amounts charged to a Card before the registration for the Promotion is successfully completed will not be considered a Qualifying Transaction.

17. Each Registered Cardholder is eligible for a maximum of 8 game turns per day during the Promotion Period. If the Registered Cardholder unlocks more than 8 game turns per day during the Promotion Period, the Registered Cardholder will only receive the Push Notifications for the first 8. For the avoidance of doubt, once the Bank has sent a Registered Cardholder 8 game turn per day throughout the promotion period, the Registered Cardholder will no longer be eligible to participate in the Promotion for any additional Qualifying Transactions within the same day.

18. The Registered Cardholder of each Winning Transaction (“Winning Cardholder”) will win one of the following prizes:

a. S$1 cashback;

b. 640 SCB 360° Rewards Points;

c. S$3 cashback;

d. S$5 merchant vouchers (NTUC, Shopback)

e. S$15 merchant vouchers (iShopChangi)

f. 3200 SCB 360° Rewards Points;

g S$15 cashback;

h. S$20 cashback; or

i. First class round trip tickets to Tokyo, Japan awarded in equivalent of 250,000 KrisFlyer miles. First class round-trip tickets to Tokyo, Japan is awarded in the form of 250,000 KrisFlyer miles to the winner’s Singapore Airlines KrisFlyer membership account. Prize excludes any applicable taxes, charges and fees. Based on Singaproe Airlines Advantage redemption rates, information is accurate as of 24 May 2024.
(each a “Prize” and collectively, “Prizes”). For the avoidance of doubt, if a Registered Cardholder does not receive any Push Notification, he/she will not be entitled to any of the Prizes above.

19. There will be a total of 17,391 Prizes available to be won for the Promotion, in the following quantities:

The Promotion is subject and limited to the availability of the Prizes above.

20. The Prizes allocated to the Winning Transactions will be chosen by the computer programme designed specifically for the purpose of the Promotion at 9 Changi Business Park Crescent, Standard Chartered Bank @ Changi 2, Singapore 486005. The computer programme will randomly allocate Prizes to the Winning Transactions in real time when a Winning Transaction is made.

21. We reserve the discretion to change any of the Prize allocation mechanics without giving prior notice or reason.

22. Each Prize will be credited to the Winning Cardholder’s Registered Card account with the highest cumulative spend in Qualifying Transactions during the Promotion Period by 31 October 2024. (or such Registered Card account of the Registered Cardholder as the Bank may decide in its sole and absolute discretion (and the Bank shall not be obliged to disclose its reason). The Bank will inform him/her that the Prize has been credited to his/her Registered Card account via any of the communication channels by the Bank. The details of the Prize amount will be reflected in the Winning Cardholder’s next Credit Card Statement of Account from the notification received. For the Winning Cardholder who has won 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).

23. For avoidance of doubt, only Prizes that have been claimed by Winning Cardholders will be credited to his/her Registered Card account. To claim the Prize, Winning Cardholders need to play the game received via the Push Notification. Any unclaimed Prize will not be credited to the Winning Cardholders.

General

24. The Prizes awarded under the Promotion are strictly non-transferable and non-exchangeable for cash or credit or otherwise.

25. No payment or compensation whether in cash, credit or kind shall be made for any lost, misplaced or stolen Prizes.

26. 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).

27. 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) and/or Push Notification(s) to them.

28. In the event that the Registered 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 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.

29. The following transactions charged to a Registered Card will not be considered a Qualifying Transactions, Foreign Currency Eligible Transactions, and/or Monthly Draw Qualifying Transactions (for the purposes of the Promotion) (“Excluded Transactions”, each an “Excluded Transaction”):

a) Insurance premiums, including premiums for investment-linked policies or any transactions pertaining to Merchant Category Codes 6300 (Insurance Sales, Underwriting, and Premiums), 5960 (Direct Marketing – Insurance Services);

b) Any transactions or bill payments to telecommunications and utilities providers including but not limited to Starhub, Singtel, M1, Singapore Power, Senoko Energy, Keppel Electric, PacificLight Energy, Tuas Power and Sembcorp Power, or any transactions pertaining to Merchant Category Codes 4900 (Utilities – Electric, Gas, Water, Sanitary);

c) Any payment via AXS network;

d) Any payment via SAM network;

e) Payments to government agencies which include but are 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, or any transactions pertaining to Merchant Category Codes 9399 (Government Services; Not Elsewhere Classified);

f) Income tax payments;

g) Any bill payment made using the SC EasyBill bill payment programme;

h) Any top-ups or payment of funds to any prepaid cards (with the exception of EZ-Reload), prepaid accounts, digital wallets including but not limited to Grab, Singtel Dash, WorldRemit Singapore, YouTrip or any other accounts as the Bank may specify from time to time

i) Any top-ups or payment of funds which are classified under Merchant Category Codes 6012 (Financial Institutions – Merchandise, Services, and Debt Repayment) and/or 6540 (or Non-Financial Institutions – Stored Value Card Purchase/Load);

j) EZ-Link cards transactions;

k) TransitLink transactions;

l) Any transactions pertaining to Merchant Category Codes 6211 (Security Brokers/Dealers), 7995 (Gambling/Lotto) and 6051 (Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Travelers Cheques, and Debt Repayment);

m) Balance transfers (or funds transfers), instalment loans and cash advances (including AnytimeCash), purchases via NETS and ongoing instalment payments (including EasyPay);

n) 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 any of the Bank issued credit cards of the Registered Cardholder;

o) Any amount charged to the any of the Bank issued credit cards of the Registered Cardholder during the Promotion Period that is subsequently cancelled, voided or reversed; and

p) Balance owing on the Registered Cardholder’s credit card accounts from other months.

30. 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 15 and/or 17, and not the subsequent monthly instalment amount (converted monthly instalment amount) to determine if a Registered Cardholder has met the Spend Amounts, provided such transaction is not an Excluded Transaction.

31. For all non-Singapore dollar retail transactions charged to the Registered Card, the transaction amount(s) posted in the Registered 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 Registered Cardholder has made the eligible Spend Amounts, provided such transaction is not an Excluded Transaction.

32. 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.

33. 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 Cardholder on the relevant principal Registered Card for the purposes of the Promotion.

34. 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).

35. 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 Cardholder’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.

36. Without prejudice to Clause 39 in the event the Bank has determined (in the Bank’s sole and absolute discretion) that a Registered Cardholder is not eligible to receive the Prize or to participate in the Promotion or has irregularly or wrongly redeemed the Prize, or where the Bank has knowledge of subsequent events which would mean that the Registered Cardholder 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 Prize or to deduct its value (or such other amount as it deems fit) from the Registered Cardholder’s account(s) with the Bank.

37. 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 Prize and/or this Promotion.

38. The Promotion Terms and Conditions are to be read together with our Customer Terms, Credit Card Terms, EasyPay on Transaction Programme Terms and Conditions, SC EasyBill Programme 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”). 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.

39. 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.

40. 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.

41. 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.

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

Updated as of 24 May 2024