Standard Chartered Bank (Hong Kong) Limited


Welcome Gift Terms and Conditions:
1.	The welcome gifts are applicable to Principal Card applicants who have submitted application form and successfully applied for Standard Chartered Shop’n Gain Credit Card / Standard Chartered Shop’n Gain Platinum Credit Card on or before 28 February 2009.
2.	Principal Card applicants who have held or cancelled Standard Chartered Shop’n Gain Credit Card / Standard Chartered Shop’n Gain Platinum Credit Card within the past 12 months are not eligible for the welcome gift.
3.	To be eligible for any one of the following welcome gifts, Principal Cardholder is required to spend HK$3,800 or above with the new card within the first two months from the date of card issuance: a) Whirlpool Microwave Oven (T763X) at a special redemption price HK$399 OR b) 30,000 Bonus points
4.	Applicable to cardholder who chooses Whirlpool Microwave Oven (T763X) : A redemption letter will be mailed to the principal cardholder after the first transaction is made with the new Standard Chartered Shop’n Gain Credit Card / Standard Chartered Shop’n Gain Platinum Credit Card provided the transaction is made within the first two months from the date of card issuance. Details of the redemption procedures will be set out in the redemption letter.
5.	Applicable to cardholder who chooses 30,000 Bonus Points: Bonus Points will be credited to eligible Cardholder’s Credit Card account on or before 30 June 2009 and will be shown on the monthly statement. To be eligible for the Bonus Points, the relevant Credit Card account must be valid and in good financial standing at the time of crediting the Bonus Points, otherwise the Bonus Points will be forfeited.
6.	Eligible transactions include retail purchases (except instalment purchase) and cash advances (including both local and overseas transactions). Any whole amount of instalment purchase, gambling tokens, tax payment via Phone Banking Services or Standard Chartered On-line, unposted / cancelled / refunded / falsified / unauthorized transactions are not included.
7.	Once the welcome gift is chosen, it cannot be exchanged for alternative. Applicant will receive 30,000 Bonus Points if no preference has been indicated.
8.	The welcome gifts are available on a first-come-first-served basis while stock lasts. The Bank reserves the right to offer an alternative gift as replacement in case of shortage
9.	The welcome gifts are not transferable, returnable or redeemable for cash.
10.	Each successful Principal Card applicant will only be entitled to the welcome gift once regardless of the number of approved applications they made within the promotion period.
11.	Cardholders understand and accept that the Bank is not the supplier of the welcome gifts offered in this promotion. The Bank shall have no legal liability relating to any respect of the products / services including, without limitation, their quality and the supply.
12.	If customer who has already redeemed the welcome gift cancels the new Standard Chartered Shop’n Gain Credit Card / Standard Chartered Shop’n Gain Platinum Credit Card during the period of one year from the date of new card issuance, the Bank reserves the right to charge the customer an administration cost of HK$500 for each card cancellation.

Standard Chartered Shop 'n Gain Credit Card Rewards Scheme Terms and Conditions:

Cardholders ("Cardholders", each "Cardholder") of Standard Chartered Shop 'n Gain Credit Card (the "Card") are entitled to enroll in Bonus Points Scheme automatically.

Transactions made by both Principal and Supplementary Cardholder(s) of the same Standard Chartered Shop 'n Gain Card Account (the "Card Account") are counted collectively in calculating the Bonus Points.

Bonus Points (the "Rewards") earning shall only be based on retail purchase transactions (including local and overseas transactions) posted to the Card Account.

Cash advances, balance transfers, "credit-to-cash" amounts, "instalment credit" amounts, bill payments, purchase of merchants’ cash coupon / gifts certificates, finance charges and fees do not earn any Rewards. Any unposted / cancelled / refunded / falsified / unauthorized transactions are also excluded in the Rewards Scheme.

The Rewards are based on the retail purchase amount as follows:

	Shop 'n Gain Platinum Credit Card	Shop 'n Gain Credit Card
Supermarket Purchases	2X Bonus Points⁺	2X Bonus Points⁺
Department Store Purchases	2X Bonus Points⁺	1X Bonus Points
Shopping day in "Double Points" Merchants* Purchases on every 8th day of the month	8X Bonus Points^	8X Bonus Points^
Others Purchases	1X Bonus Points	1X Bonus Points

+ 2X 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.
^ 8X 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.
* "Double Points" Merchants Purchases are purchases made at supermarkets and/or department stores by Shop 'n Gain Platinum Credit Card or purchases made at supermarkets by Shop 'n Gain Credit Card, as specified by Standard Chartered Bank (Hong Kong) Limited (the "Bank") from time to time. Shopping day in "Double Points" Merchants Purchases are purchases made on every 8th day of the month in "Double Points" Merchants. (An up-to-date list of "Double Points" Merchants is available upon request through Standard Chartered Credit Card 24-hour Customer Service Hotline at 2886 4111 or visit Standard Chartered website www.standardchartered.com.hk)

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

The usage of the Bonus Points will be subject to the terms and conditions set out in the Standard Chartered Shop 'n Gain Credit Card Bonus Points Rewards Catalogue as amended from time to time. The Rewards are non-transferable.

Annual spending counts the accumulate spending between the expiry month (as shown on the credit card) of current year and the expiry month of subsequent year. A cardholder is entitled to a maximum of 240,000 Bonus Points for accumulated purchase made in "Double Points" Merchants and Shopping day in "Double Points" Merchants Purchases on every 8th of the month; and further retail purchase amount wil be entitled to 1X Bonus Points.

Decisions of the Bank regarding any disputes in relation to the Rewards shall be final.

10.

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

11.

If the Card Account is closed for whatever reason, all unredeemed Rewards and Rewards not yet credited to the Card Account will immediately be forfeited.

12.

To be eligible for the Rewards, the Card Account must be valid and in good financial standing at the time when the Rewards are credited The Bank reserves the right to refuse to issue or honour any Rewards if the Cardholder has ever failed to pay on or before the relevant due date any Minimum Payment Due specified in the monthly statement of Card account issued during the Billing Year.

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, Bonus Points multiplier, the spending tier, the type of purchase and the list of designated merchants. In case of disputes, decisions of the Bank shall be final.

14.

If there is any inconsistency or conflicts between English and Chinese versions of these Terms and Conditions, the English version shall prevail.

Issued by Standard Chartered Bank (Hong Kong) Limited