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1. First withdrawal amount will be equivalent to 95% of the approved credit limit (will be rounded down to the nearest thousand dollars).
2. Privileges customers are determined basing on the customers credit record. Standard Chartered Bank (Hong Kong) Limited ("The Bank") has the absolute right to determine the approval of the lion and the final interest rate.
3. The Annualized Percentage Rates (APR) in parentheses above are calculated according to the Net Present Value method as specialized in the Code of Banking Practice, including the 1% annual fee. Interest is calculated on the basis of a 365-day year.
4. The First Year Half Annual Fee Waiver is applicable to customers who have successfully applied and withdrawn Standard Chartered Revolving Cash Card credit limit On or before 28 February 2010. First Year Half Annual Fee Waiver will be given to the eligible customers in form of Cash rebate on or before 30 April 2010. Any fees and charges incurred by this First Year Half Annual Fee Waiver Offer will not be included in the cash rebate.
5. The rebate amount of First Year Half Annual Fee Waiver Offer will be calculated using the following formula: (Approved credit limit x 0.5%). Eligible customer must maintain a valid Standard Chartered Revolving Cash Card account without past due record or unsatisfactory credit history at the time of crediting the cash rebate.

1. Standard Chartered Bank (Hong Kong) Limited (the "Bank") reserves the right of final approval of this application, and is under no obligation to provide any explanation. The Bank also reserves the right to determine the final interest rate, the approved credit limit and offers offered.
2. Upon approval of the loan application, the first withdrawal amount will be credited to the customer's designated repayment account within five working days.
3. A handling fee of 1% of the withdrawal amount or HK$50 (whichever is higher) will be levied on each cash withdrawal.
4. An annual fee of 1% of the approved credit limit shall be debited from the loan account when the loan is first drawdown and on each anniversary of the first drawdown date of the loan.
5. Monthly minimum payment is the total aggregate amount of the following items or HK$50 whichever amount is higher:
   i) total outstanding billed interest, fees and charges (if applicable); and
   ii) total over-limit amount by which the Statement balance exceeds the Approved Credit Limit assigned by the Bank (if applicable); and
   iii) 0.5% of the total outstanding debit balance (excluding items (i) and (ii)).
   
6. The Bank reserves the right to alter or terminate the offer and amend the terms and conditions of this promotional leaflet at any time. In case of disputes, the Bank's decision shall be final.
7. In case of discrepancies between the English and Chinese Terms and Conditions, the English version shall prevail.

If you are a Hong Kong resident aged 18 or above with a fixed monthly income of HK$5,000 or above, simply apply via the following channels: