Standard Chartered JOS Visa Business Platinum Card Bonus Points Rewards Program Terms and Conditions


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STANDARD CHARTERED JOS VISA BUSINESS PLATINUM CARD BONUS POINTS REWARDS PROGRAM TERMS AND CONDITIONS :

Bonus Points earned are based on local and overseas retail purchase transactions (including bill payment) posted to the Card Account.

Bonus Points under interest-free instalment plans are awarded to the Card Accounts at the time the monthly instalment amount is charged to the Card Account.

Cash advances, balance transfers, “instalment credit” amounts, “credit-to-cash” amounts, tax payment, finance charges and fees do not earn any Bonus Points. Any unposted / cancelled / refunded / falsified / unauthorised transactions are also excluded.

The bonus points rewards are earned on the retail purchases as follows:

Overseas Retail Purchases^#	3X Bonus Points^
Purchases at Courier Master Service Co Ltd	1.5X Bonus Points⁺
Purchases at Designated Local Petrol Merchants*	3X Bonus Points^
Purchases at Watsons Water	1.5X Bonus Points⁺
Purchases at Jardine OneSolution (HK) Limited	1.5X Bonus Points⁺
Other Local Retail Purchases	1X Bonus Points

#	Eligible Overseas Retail Purchases must be made in foreign currencies including Renminbi and Macau Pataca. For avoidance of doubt, any Overseas Retail Purchase will earn 3x Bonus Points (i.e. 3 bonus points for the expenditure of every HK$1 using the Card) only as mentioned above, and Cardholder is not entitled to any additional Bonus Points for any reasons notwithstanding it is a designated merchant spending or otherwise.
*	Designated Local Petrol Merchants Purchases are retail purchases made at selected petrol merchants as shall be determined by the Bank from time to time. (An up-to-date list of Designated Local Petrol Merchants is available at www.standardchartered.com.hk.) A cardholder is entitled to a maximum of 5,000 extra Bonus Points for monthly accumulated purchase made in Designated Local Petrol Merchants; and further purchase amount will be entitled to 1X Bonus Points. Monthly spending counts the accumulated spending within statement cycle month.
^	3X Bonus Points is inclusive of those basic 1X Bonus Points offered through the use of credit card under respective credit card promotional programs as well as the extra Bonus Points offered under this promotion.
+	1.5X Bonus Points is inclusive of those basic 1X Bonus Points offered through the use of credit card under respective credit card promotional programs as well as the extra Bonus Points offered under this promotion.

Bonus Points have no expiry and are non-transferrable.

Bonus Points will be calculated and credited to the Card Account every Statement Period.

Bonus Points will be converted into cash rebate amount ("Cash Rebate amount") equivalent to 0.4% of the total Bonus Points earned (i.e. every 250 bonus points = HK$1). The Cash Rebate amount will be automatically credited to the Card Account every quarter in March, June, September and December and will be shown on the respective monthly statements. The corresponding bonus points deducted and converted into Cash Rebate amount will be shown on the same monthly statement.

Cash Rebate amount will be rounded up to the nearest cents. Cash Rebate is non-transferable and cannot be used to offset any credit card payment or overdue amount.

Decisions of the Bank regarding any disputes in relation to the Bonus Points and Cash Rebate shall be final.

10.

Once the Bonus Points or Cash Rebate is issued and the value of any transaction(s) forming part or all of the Bonus Points or Cash Rebate is either refunded or cancelled for whatever reasons, the Bank has the right to debit an amount equivalent to the value of the Bonus Points or Cash Rebate from the respective Card Account without prior notice.

11.

If the Card Account is closed at any time for whatever reasons, all unconverted Bonus Points and/or Cash Rebate not yet credited to the Card Account are/is immediately forfeited.

12.

To be eligible for the Bonus Points or Cash Rebate, the Card Account must be valid and in good financial standing at the time when the Bonus Points or Cash Rebate is awarded. The Bank reserves the right to refuse to issue or honour any Bonus Points or Cash Rebate if the Cardholder fails once or more to pay on or before the relevant due date any Minimum Payment Due specified in a monthly statement of Card Account issued during any period of one year designated by the Bank.

13.

The Bank reserves the right to alter or terminate the Bonus Points Scheme and/or amend the terms and conditions thereof at any time, including, but not limited to, the Bonus Points multiplier and the list of designated merchants. In case of disputes, decision of the Bank shall be final.

14.

These terms and conditions shall be construed in accordance with and governed by the laws of Hong Kong SAR and the Cardholder irrevocably submits to the non-exclusive jurisdiction of the competent court of the Hong Kong SAR.

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STANDARD CHARTERED BANK (HONG KONG) LIMITED
GPO Box 21, Hong Kong