INTERNALStandard Chartered Journey Credit Card 45K Miles Promotion Terms and Conditions
1. The Standard Chartered Journey Credit Card 45K Miles Promotion (the “Promotion”) isavailable from 1 April 2024 to 31 October 2024 (both dates inclusive) (the “PromotionPeriod”). 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 qualify for this Promotion and receive the Welcome Gift (as set out in Clause 4 below) andAcquisition Gift (as set out at Clauses 5 and 6 below):a. you must apply for the Standard Chartered Journey Credit Card issued by Standard
Chartered Bank (Singapore) Limited (“Journey Card”) as a principal cardholder and suchapplication has to be submitted to Standard Chartered Bank (Singapore) Limited (“StandardChartered” or the “Bank”) either through https://www.sc.com/sg/ or any of our appointed
sales agents at the Bank’s roadshow booths;
b. you must be a new Standard Chartered principal cardholder. In other words, you must nothave any existing or previously cancelled Standard Chartered credit cards which you are theprincipal cardholder of, in the last 12 months from the date that the Bank receives yourJourney Card application pursuant to this Promotion (“New Principal Cardholder”);
c. The Bank must receive your application for the Journey Card within the Promotion Period.
Notwithstanding the foregoing, the Bank may continue to process any application received
up to 14 calendar days after the end of the Promotion Period, and shall retain the sole andabsolute discretion to determine the eligibility of these applications and/or allow the said
applications for the purposes of this Promotion on a case-by-case basis, subject to theseterms and conditions;d. your Journey Card application must be approved by the Bank, where such approval is finaland unconditional;
e. your Journey Card must, within six (6) months of account approval date, be valid (i.e. yourJourney Card account must not be suspended, cancelled and/or terminated), in goodstanding, and conducted in a proper and satisfactory manner as determined by the Bank in
its sole and absolute discretion.
3. Subject to these terms, if you satisfy all the eligibility criteria set out in Clause 2 above, you will
be considered an “Eligible Cardholder” for the purposes of this Promotion.

Standard Chartered Bank (Singapore) LimitedRegistration No. 201224747C | GST Group Registration No.: MR-8500053-0
8 Marina Boulevard, #27-01, Marina Bay Financial Centre, Singapore 018981

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Promotion Mechanics – Welcome Gift
4. At the point of application, you can choose from one (1) of the options below:
a. ANNUAL FEE APPLIESi.
The Eligible Cardholder will receive 10,000 KrisFlyer Miles (credited to the JourneyCard account in the form of 25,000 360° Reward Points), referred to as the“Welcome Gift”.
ii.
The Eligible Cardholder will be charged with an annual fee of S$196.20 (includingGST) in the first year. This annual fee is strictly not waivable.
iii.
The Welcome Gift will be credited in the form of 360° Reward Points (“RewardPoints”) to the Journey Card account within 60 working days of the Journey Card
activation date.
b. ANNUAL FEE WAIVEDi.
The Journey Cardholder will not be charged an annual fee for the first year, and will
likewise, not be eligible for the Welcome Gift.
Promotion Mechanics – Acquisition Gift
5. Eligible Cardholders who have selected the “ANNUAL FEE APPLIES” option must spend aminimum of S$3,000 worth of Eligible Transactions (as defined in Clause 7 below) to receive
87,500 Rewards Points (“Acquisition Gift A”), which enables you to redeem for 35,000 KrisFlyer
Miles.
6. Alternatively, Eligible Cardholders who have selected the “ANNUAL FEE WAIVED” option must
spend a minimum of S$3,000 worth of Eligible Transactions (as defined in Clause 7 below) toreceive 62,500 Rewards Points (“Acquisition Gift B”), which enables you to redeem for 25,000
KrisFlyer Miles.
7. For the purposes of this Promotion, an “Eligible Transaction” is a transaction which:a. is charged to the Journey Card, which you are the principal cardholder of, or a Journey Card
that is issued to a person that you authorise as a supplementary cardholder on your Journey
Card account;b. has a transaction posting date falling within the first 60 days from the card approval date of
the Journey Card that you are the principal cardholder of; andc. is not an excluded transaction as set out at Clause 10.

Standard Chartered Bank (Singapore) Limited
Registration No. 201224747C | GST Group Registration No.: MR-8500053-0
8 Marina Boulevard, #27-01, Marina Bay Financial Centre, Singapore 018981

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8. The Acquisition Gift awarded under this Promotion will be aggregated and credited in the formof Rewards Points to the Cardholder’s Eligible Card account following the schedule below.
Journey Card approved in the month ofAcquisition Gift credited by:April 2024

31 July 2024

May 2024

31 August 2024

June 2024

30 September 2024

July 2024

31 October 2024

August 2024

30 November 2024

September 2024

31 December 2024

October 2024

31 January 2025

9. For the avoidance of doubt, the Acquisition Gift awarded under this Promotion is in addition tothe Welcome Gift and the Rewards Points that would otherwise be credited under theStandard Chartered Journey Credit Card Rewards Promotion.
a. To illustrate, refer to the table below where an Eligible Cardholder pays the first-year
annual fee and has S$3,000 Eligible Transactions in the first 60 days of card approval:Promotion Category

Rewards Points
Awarded
25,000Equivalent KrisFlyer
Miles
10,000Acquisition Gift A –With minimum spend of S$3,000 worth of Eligible
Transactions within the first 60 days of card
approval

87,50035,000

Total

112,500

45,000Welcome Gift –With selection of ‘ANNUAL FEE APPLIES’ andpayment of first year annual fee (S$196.20)

Standard Chartered Bank (Singapore) LimitedRegistration No. 201224747C | GST Group Registration No.: MR-8500053-0
8 Marina Boulevard, #27-01, Marina Bay Financial Centre, Singapore 018981

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INTERNALb. As another illustration, refer to the table below where an Eligible Cardholder enjoys thefirst-year annual fee waiver and has S$3,000 worth of Eligible Transactions in the first 60
days of card approval:
Promotion Category

Rewards Points
Awarded0

Equivalent KrisFlyer
Miles
0

Acquisition Gift B –With minimum spend of S$3,000 worth of Eligible
Transactions within the first 60 days of card
approval

62,50025,000Total

62,50025,000Welcome Gift –With selection of ‘ANNUAL FEE WAIVED’

10. The following transactions charged to an Eligible Card will not be considered as Eligible
Transactions (for the purposes of this Promotion):a. any cash advance;b. any Credit Card Funds Transfer;c. any monthly instalment of an EasyPay transaction;d. any amounts charged to your Journey Card that is subsequently cancelled, voided, refundedor reversed;
e. AXS, SAM or ATM transactions made using your Journey Card;f. any insurance premiums charged to your Journey Card;g. recurring payments (being automatic payments where the Journey Cardholder or
supplementary Journey Card cardholder has given a one-time authorisation or instruction forthe merchant to charge the payment directly to his/her Journey Card at a fixed interval, suchas 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;h. any fees or charges (including but not limited to annual card fees, service fees, interestcharges, cheque processing fees, administrative fees, finance charges, and/or late payment
charges and other miscellaneous fees and charges);i. amounts which have been rolled over from any preceding month’s statement;
j. tax refunds credited into your Journey Card;k. charges incurred but not submitted or posted to your Journey Card account during theJourney Card Promotion Period;l. any fraudulent retail transaction;
m. 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 Journey Card;n. any top-ups or payment of funds to any prepaid cards and any prepaid accounts including
without limitation:i. any transaction classified under either of the following Merchant Category Codes:•Financial Institutions – Merchandise, Services, and Debt Repayment (6012); orStandard Chartered Bank (Singapore) LimitedRegistration No. 201224747C | GST Group Registration No.: MR-8500053-0
8 Marina Boulevard, #27-01, Marina Bay Financial Centre, Singapore 018981

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INTERNAL•

Non-Financial Institutions – Stored Value Card Purchase/Load (6540); andii. 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· EZ LINK PTE LTD (FEVO)· EZ-LINK PTE LTD SINGAPORE· EZ-LINK TOP-UP KIOSK· EZ-LINK (IMAGINE CARD)· EZLINK*· EZ LINK
· EZLINKS.COM· FLASHPAY ATU· TRANSITLINK*· TRANSIT LINK*· TRANSIT LINK PL· TRANSIT· PAYPAL * BIZCONSULTA· PAYPAL * CAPITALROYAo. any transaction classified under one or more of the following Merchant Category Codes:
Merchant
Category Code(MCC)
4829
4900*
5047*
5199*
6050*
6051

Description

6211

Money Transfer
Utilities – Electric, Gas, Water, and Sanitary
Medical, Dental, Ophthalmic and Hospital Equipment and Supplies
Nondurable Goods (Not Elsewhere Classified)
Quasi Cash – Financial institutions, Merchandise, Services
Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (forexample: Cryptocurrency), Money Orders (Not Money Transfer),
Travelers Cheques, and Debt Repayment
Security Brokers/Dealers

6513
6529*
6530*
6534*
7299*
7349
7511*
7523
8062*
8211
8220
8241
8244
8249
8299

Real Estate Agents and Managers
Quasi Cash – Remote Stored Value Load – Financial Institute
Quasi Cash – Remote Stored Value Load – MerchantQuasi Cash – Money Transfer – Member Financial Institution
Other Services – Not Elsewhere Classified
Cleaning, Maintenance and Janitorial Services
Quasi Cash – Truck Stop Transactions
Parking Lots, Parking Meters and Garages
Hospitals
Elementary and Secondary Schools
Colleges, Universities, Professional Schools, and Junior Colleges
Correspondence Schools
Business and Secretarial Schools
Vocational and Trade Schools
Schools and Educational Services (Not Elsewhere Classified)Standard Chartered Bank (Singapore) Limited
Registration No. 201224747C | GST Group Registration No.: MR-8500053-0
8 Marina Boulevard, #27-01, Marina Bay Financial Centre, Singapore 018981

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INTERNAL83988651
8661
8999*
9211
9222
9223
9311
9399
9402
9405

Charitable Social Service Organizations
Political Organizations
Religious Organizations
Professional Services (Not Elsewhere Classified)
Court Costs, Including Alimony and Child SupportFines
Bail and Bond Payments
Tax Payments
Government Services (Not Elsewhere Classified)Postal Services – Government Only
U.S. Federal Government Agencies or Departments*Effective from 1 September 2024

p. any other charge, fees or payments as we may stipulate from time to time.
11. For Eligible Transactions charged during the Promotion Period to an Eligible Card which aresuccessfully converted into monthly instalments:a. At the point of sale by tie up merchants, the monthly instalment amount (and not the total
amount charged for that transaction); orb. At a later date by the Bank, the total amount charged (and not the converted monthlyinstalment amount), will be used by the Bank to determine the amount of the Eligible
Transaction under the Promotion.
12. For Eligible Transactions charged in foreign currency 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 Acquisition
Gift entitled.
13. All Eligible Transactions must be charged and posted to the Eligible Card as set out at Clause 7.
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.
14. An eligible cardholder may use the Acquisition Gift to redeem KrisFlyer Miles and must comply
with the Standard Chartered 360° Rewards Programme terms and conditions, including but notlimited to an Eligible Cardholder having to pay the applicable fees in relation to the conversionof Rewards Points to Krisflyer Miles or other rewards. For the avoidance of doubt, each Eligible
Cardholder can only receive the Acquisition Gift once pursuant to this Promotion.
15. An Eligible Transaction charged by a supplementary cardholder of an Eligible Cardholder to anEligible Card will be considered as an Eligible Transaction for the purposes of this Promotion.
Standard Chartered Bank (Singapore) Limited
Registration No. 201224747C | GST Group Registration No.: MR-8500053-0
8 Marina Boulevard, #27-01, Marina Bay Financial Centre, Singapore 018981

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INTERNALGeneral
16. The Welcome Gift and Acquisition Gift is non-transferable, non-assignable and nonexchangeable for cash or credit or otherwise.
17. 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 foundhere).
18. The Bank reserves the right to replace or substitute the Welcome Gift and/or Acquisition Gift
with any item of equivalent or similar value, without prior notice or reason (and the Bank shallnot be obliged to disclose its reason).
19. 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 torecover the whole or any part of the Welcome Gift and/or Acquisition Gift given to him/her
under this Promotion. At the time of crediting of the Welcome Gift and Acquisition Gift, theEligible 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 theBank in its sole and absolute discretion (and the Bank shall not be obliged to disclose its
reason), failing which, the Welcome Gift and Acquisition Gift will be forfeited and the Bank
shall also be entitled to recover the whole or any part of the Welcome Gift and Acquisition Gift(or such equivalent value) given to the Eligible Cardholder.
20. 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 theBank from time to time via telephone, SMS or Electronic Direct Mail.
21. 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 thePromotion at any time at the Bank’s sole and absolute discretion, with or without prior notice orreason (and the Bank shall not be obliged to disclose its reasons).
22. The Bank reserves the right to determine at its sole and absolute discretion all matters arisingout of or in connection with the Promotion, including the Eligible Cardholder’s eligibility for theAcquisition Gift and/or the Promotion. The Bank’s determination of all matters relating to thisPromotion shall be final and conclusive, and no correspondence will be entertained.
23. In the event the Bank has determined (in the Bank’s sole and absolute discretion) that a Eligible
Standard Chartered Bank (Singapore) Limited
Registration No. 201224747C | GST Group Registration No.: MR-8500053-0
8 Marina Boulevard, #27-01, Marina Bay Financial Centre, Singapore 018981

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INTERNALCardholder is not eligible to receive the Acquisition Gift or to participate in the Promotion or has
irregularly or wrongly redeemed the Acquisition Gift, or where the Bank has knowledge ofsubsequent events which would mean that the Eligible Cardholder would not have been entitledto the Acquisition Gift (including but not limited to where the Eligible Transactions werereversed or refunded), the Bank reserves the right to claw back the Acquisition Gift or deduct itsvalue (or such other amount as it deems fit) from the Eligible Cardholder’s account(s) with theBank.
24. 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.
25. 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 andmembers of the Bank’s group harmless for, any expenses, costs of any kind (including legalcosts), 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 youracceptance, possession, use, misuse and/or enjoyment of the Acquisition Gift and/or thisPromotion.
26. These Promotion Terms and Conditions are to be read together with our Customer Terms andCredit Card Terms and any other product terms that may be applicable in conjunction with thePromotion (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.
27. A person who is not a party to these Promotion Terms and Conditions has no rights under theContracts (Rights of Third Parties) Act 2001 to enforce any of these Promotion Terms andConditions.
28. These Promotion Terms and Conditions are governed by and shall be construed in accordancewith the laws of the Republic of Singapore and you agree to submit to the exclusive jurisdictionof the courts of the Republic of Singapore.
29. All information is correct as at the time of publication.

Standard Chartered Bank (Singapore) Limited
Registration No. 201224747C | GST Group Registration No.: MR-8500053-0
8 Marina Boulevard, #27-01, Marina Bay Financial Centre, Singapore 018981

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