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2009 Standard Chartered Choice Rewards
Programme’s Terms & Conditions |
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| Definition
and Interpretation |
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| 1. |
“Choice Points” means the points awarded
to the Cardholder under the SCCR in accordance
with these terms and conditions. |
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| 2. |
“Catalogue” means this catalogue, and
may either be in print or electronic version. |
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| 3. |
“Cardholder” means a principal credit
cardholder of a Standard Chartered Credit
Card. |
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| 4. |
“Credit Card” means a Visa and/or MasterCard
credit card issued by Standard Chartered
Bank Malaysia Berhad (“the Bank”). |
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| 5. |
“Quick Redemption” is a redemption option
that allows the Cardholder to redeem Gifts
by using a combination of Choice Points
and a Ringgit value portion fixed under
the SCCR. |
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| 6. |
“Gifts” are defined as goods, vouchers,
services, magazines and other privileges
as may be contained in the Catalogue and
also includes other Rewards. This list is
not exhaustive and may be subject to changes
and/or variation by the Bank any time at
its sole and absolute discretion. |
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| 7. |
“Good Standing” is used to define a Credit
Card account that is currently not overdue
in payment, has not exceeded its credit
limit, is not going to be |
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| 8. |
Closed upon its card expiration date,
is not cancelled nor terminated by the Cardholder
or by the Bank. |
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| 9. |
“PMP” means Partner’s Miles Programme
e.g. Malaysia Airlines Enrich Miles. |
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| 10. |
“SCCR” means Standard Chartered Choice
Rewards Programme. |
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| 11. |
Words importing the singular include
the plural and vice-versa, words importing
a gender include both genders, and references
to persons include bodies corporate and
unincorporated. |
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| 12. |
The headings to the clauses of these
terms and conditions are for convenience
only and have no legal effect. All references
to “Clauses” are to clauses contained herein. |
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| 13. |
“Working day” shall mean a day, which
is not a Saturday, Sunday or a public holiday
in the Federal Territory of Kuala Lumpur. |
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| Eligibility |
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| 1. |
The SCCR is a programme for Cardholders
of Credit Cards issued by the Bank excluding
Corporate Credit Cards, and whose Credit
Card accounts are of Good Standing only,
and is based upon the terms and conditions
contained herein. |
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| Earning
of Choice Points |
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| 1. |
Choice Points are awarded to the Cardholder
for each ringgit spent based on the total
posted Ringgit Malaysia (“RM”) amount of
retail purchases (local and international)
made on the Credit Card, including any supplementary
Credit Cards. The Bank will not be liable
for any delay in the actual posting of the
transactions and/or Choice Points during
the SCCR. The Bank reserves the right to
amend or modify the manner in which Choice
Points are awarded. |
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| 2. |
Cash advances or cash withdrawals, charges
for cash advances or cash withdrawals, annual
fees for the Credit Card, interest and/or
finance charges, disputed transactions,
any type of balance transfers, any type
of installments payment plans, and any other
kind of charges and/or penalties will not
be included in the calculation of Choice
Points. |
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| 3. |
Choice Points earned by the Cardholder
are valid for a maximum period of three
(3) years only. The expiry date of Choice
Points expiring in a particular year shall
be on the last day of the expiry month of
the Credit Card and where Cardholders have
more than one credit card such date as may
be determined by the Bank to be the expiry
date. All Choice Points must be redeemed
prior to its expiry. |
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| 4. |
Choice Points are accrued in the name
of the Cardholder only and cannot be transferred
to another Cardholder. Choice Points redemption
may only be done by the principal Cardholder
before the expiry of the Choice Points and
provided always that the Cardholder’s Credit
Card account is of Good Standing. |
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| 5. |
In the event a Cardholder of Good Standing
has more than one Credit Card account and
chooses to close one or all of his Credit
Card account(s), the existing Choice Points
acquired from the closed Credit Card account(s)
must be redeemed prior to the date the Credit
Card account(s) is closed. Once a particular
Credit Card account is closed, all unredeemed
Choice Points will be automatically cancelled.
For the avoidance of doubt, no transfer
of Choice Points between a Cardholder’s
different Credit Card accounts is allowed. |
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| 6. |
The Bank has the sole discretion to cancel
or suspend a Cardholder’s redemption of
Choice Points, without assigning any reasons
thereof. For the avoidance of doubt, Choice
Points earned on any Credit Card account
thirty (30) days or more past its payment
due date, or Credit Card accounts believed
by the Bank to be operated fraudulently
or any Credit Card account closed by the
Bank will be cancelled. |
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| Gift
Redemption |
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| 1. |
Once a redemption request
has been accepted by the Bank, it cannot
be revoked, cancelled, returned or exchanged
by the Cardholder. |
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| 2. |
In the event, the Cardholder’s
Credit Card is not of Good Standing or the
Credit Card has insufficient Choice Points,
the request for redemption of Gifts will
be rejected automatically without any notification
to the Cardholder. |
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| 3. |
Once the accumulated Choice
Points in a Cardholder’s Credit Card account
has been redeemed for any Gift in the SCCR,
such Choice Points cannot be transferred
back to Cardholder’s Credit Card account
and such Choice Points shall be deemed extinguished. |
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| 4. |
A Cardholder who chooses
to redeem the Gifts via the Quick Redemption
option hereby irrevocably authorises the
Bank to debit his Credit Card account to
pay the said RM value portion of the redemption.
The Bank will not accept any other mode
of payment for Quick Redemption. |
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| 5. |
The Bank does
not accept any liability whatsoever (including
but without limitation, liability for negligence)
with respect to Gifts supplied or in connection
with any merchant/supplier’s refusal to
accept any vouchers and/or confirmation
letters relating to Gift redemption being
redeemed and/or presented by the Cardholder
from and/or to the merchant/supplier. The
rights, if any, which the Cardholder may
have in connection with a Gift is solely
against the merchant/supplier of the Gift. |
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| 6. |
By conducting the SCCR, the
Bank does not accept any liability, including
but not limited to liabilities with respect
to death or injury or consequential loss
or damage of whatever nature and howsoever
arising from the redemption or supply of
the Gifts, including but not limited to
any injury or loss suffered by the Cardholder
and his accompanying persons whilst on holiday
pursuant to the hotel and/or holiday package
redeemed with the Choice Points and/or any
delay or cancellation in the transportation
facilities and/or accommodation facilities
(where applicable) and/or resulting from
any advice, pointers, tips and directions
as may be contained in this Catalogue or
any other publication issued by the Bank
or from the loss, theft, and/or destruction
of the Gifts. |
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| 7. |
The Bank gives no representation
or warranty with respect to the Gifts provided
under SCCR. In particular, the Bank gives
no warranty and/or representation with respect
to the quality of Gifts or their suitability
for any purpose. Notwithstanding any provisions
to the contrary herein contained, any dispute
concerning the goods and/or services redeemed
as Gifts under SCCR shall be settled as
between the Cardholder and the participating
merchant/supplier directly. The Bank will
bear no responsibility for resolving such
disputes or for the dispute itself. |
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| 8. |
Gifts that consist of certificates
and/or vouchers and/or any type of written
communication issued by participating merchants/suppliers
under SCCR cannot be encashed and cannot
be used in conjunction with any other promotion
or offer. The certificates and/or vouchers
and/or any type of written communication
are valid for use until the date specified
on the certificates and/or vouchers and/or
any type of written communication. If they
remain unused after this date, they will
totally lapse and will not be replaced.
The use of the certificates and/or vouchers
and/or any type of written communication
are subject to the terms and conditions
contained therein and are valid for use
only at participating merchants/suppliers
under the SCCR and only for the specific
matters mentioned therein. |
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| 9. |
In circumstances where the
certificates and/or vouchers state a specified
amount (Ringgit), and if is used for a value
less than the amount mentioned, the difference
cannot be encashed. In the case where the
value of the certificates/vouchers is less
than the value of the item(s) purchased,
the Cardholder is obliged to pay the difference
in cash or by his Standard Chartered Credit
Card to the participating merchant/supplier. |
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| 10. |
10. In the event a Cardholder’s
choice of Gift is unavailable, the Bank
reserves the right to replace it with a
substitute of similar value. All Gifts are
available while stock lasts and the Bank
reserves the right, without giving any prior
notice nor assigning any reason whatsoever
to the Cardholders, to discontinue and/or
replace all or any of the products or services
featured herein or any other related material
published by the Bank, with different products,
models, colour or services which may be
redeemed as Gifts. |
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| Frequent
Flyer Programme |
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| 1. |
Cardholders may choose to convert his
Choice Points to PMP points provided (a)
such Cardholders are already registered
with the PMP prior to redemption of Choice
Points, and (b) the Cardholders inform the
Bank of his own PMP membership number at
the point of redemption. |
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| 2. |
Once Choice Points are converted into
PMP points, the PMP points cannot be reconverted
into Choice Points thereafter. For the avoidance
of doubt, the conversion of the Choice Points
into PMP points shall take not less than
twenty-one (21) to forty-two (42) days for
completion of conversion and the Bank is
under no obligation to effect a manual transfer. |
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| 3. |
The Bank reserves the right to revoke
and withdraw participation of the PMP from
the SCCR and the right to change the conversion
rate offered hereunder. |
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| 4. |
The Bank reserves the right to adjust
the number of resulting PMP points or the
remaining number of Choice Points if any
error has been made in the conversion process. |
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| 5. |
The Cardholder has to notify the Bank
on any errors in the conversion of the Choice
Points within one (1) month of the transaction
date. The Bank will not be liable for lost
points if Cardholder does not report it
within the said period. |
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| Bonus
Gift |
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| Choice
Points Purchase |
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| 1. |
Choice Points can be purchased at RM10
for 1,000 Choice Points at the time of making
any redemption, subject to a maximum of
10,000 Choice Points. |
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| 2. |
A Cardholder who chooses to purchase Choice
Points hereby irrevocably authorises the
Bank to debit his Credit Card account to
pay for the cost of the Choice Points. The
Bank will not accept any other mode of payment
for the purchase of Choice Points. |
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| 3. |
Choice Points will not be awarded to
the Cardholder for the purchase of Choice
Points and such purchases will be treated
as retail charges which are subject to finance
charges and late charge fee in the manner
as stipulated in the Standard Chartered
Visa and/or MasterCard Cards Cardholder
Agreement. |
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| Platinum
"Wish List" Programme |
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| 1. |
a) |
Platinum Credit Cardholders ("the
Requesting Cardholder") may request
for redemption of such item(s) which are
not featured in the Catalogue ("Other
Reward(s)") subject to the conditions
that the Other Rewards (i) are readily and
lawfully available in Malaysia for the Requesting
Cardholder, (ii) are not, in the sole opinion
of the Bank, illegal, offensive or of unsuitable
nature in relation to the Requesting Cardholder
and PROVIDED ALWAYS that the Bank has the
sole and absolute discretion in refusing
requests for redemption of any Other Reward(s)
without assigning any reason therefore and
the Bank’s decision herein shall be final
and conclusive. |
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| 2. |
b) |
Nothing herein shall be deemed as imposing
any obligation or duty on the Bank to source
for and provide any Other Rewards. |
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| 2. |
The Platinum “Wish List”
is exclusive to the Bank’s Platinum Cardholders.
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| 3. |
The Bank will confirm the
availability and the number of Choice Points
needed to redeem the item requested within
10 working days from the date of receipt
of Cardholder’s request. |
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| Delivery
of Gifts |
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| 1. |
Cardholders shall provide
a valid delivery address in Malaysia to
the Bank for delivery of Gifts. Delivery
will not be made to a P.O. Box address. |
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| 2. |
The Gifts will be delivered
within twenty-one (21) working days (Peninsula
Malaysia) or thirty-one (31) working days
(East Malaysia) upon the Bank’s receipt
of the Standard Chartered Choice Points
Redemption Form. There will be a redirection
fee of Ringgit Ten (RM10) only (to be billed
to the Cardholder’s Credit Card account)
for any change in delivery address. |
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| 3. |
Proof of delivery of Gift
is by way of written acknowledgement of
receipt of the Gifts by occupants at the
delivery address (irrespective of whether
or not such occupant is the Cardholder),
and where such address is an office, receipt
by an office staff shall be deemed to be
the acknowledgement of the Cardholder. Such
recipients of Gifts (whether Cardholder
or non-Cardholders) are obliged to present
identification documents such as their National
Identity Card and/or passports to the delivery
agent, failing which the delivery agent
has the right to refuse delivery and will
return the Gifts to the Bank. |
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| 4. |
If a Cardholder does not
receive the Gift upon the expiry of twenty-one
(21) working days (Peninsula Malaysia) or
thirty-one (31) working days (East Malaysia)
from the date of receipt by the Bank of
the Standard Chartered Choice Points Redemption
Form, the Cardholder shall not later than
two (2) months thereafter, inform the Bank
of the non-receipt of the Gift. The Bank
will arrange for the delivery of the Gift
to the Cardholder upon receipt of proof
of non delivery of the Gifts from its delivery
agent. |
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| 5. |
The Cardholder
shall have no right of recourse against
the Bank whatsoever upon the expiry of the
said two (2) months and the Cardholder shall
be deemed to have had received the Gifts
arising from the redemption of the relevant
Choice Points. |
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| 6. |
The Cardholder must examine
the Gift immediately upon delivery. The
Cardholder must contact the Standard Chartered
Customer Service to inform the Bank of any
damaged, defective and/or faulty Gift and
must return the Gift immediately within
three (3) working days to such place and/or
person as directed by the Bank and/or to
reject delivery of the Gift at the time
of delivery. A replacement will be delivered
within fourteen (14) working days after
the return of the Gift(s) and the delivery
charges incurred for the replacement shall
be borne by Cardholder. The right to replacement
of Gift(s) will be extinguished if a Cardholder
fails to notify the Bank and return the
same within the time period stipulated above. |
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| 7. |
The Cardholder hereby irrevocably
authorises the Bank to release all pertinent
information regarding the Cardholder to
such relevant parties as the Bank may, in
its sole and absolute discretion, employ
to deliver the Gifts to the Cardholder.
In this respect, the Cardholder acknowledges
that the Bank shall not be held responsible
for the acts or omissions of such relevant
parties (including but not limited to acts
or omissions relating to fraud or negligence)
not in relation to the delivery of such
Gifts. |
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| General
Information |
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| 1. |
All questions or disputes
regarding eligibility for the SCCR or the
eligibility of Choice Points in relation
to accrual or the redemption of Gifts including
the conversion of Choice Points to PMP points
will be determined by the Bank at its sole
and absolute discretion. |
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| 2. |
The Gifts set out in this
Catalogue are valid for redemption from
1st January 2008 – 31st December 2008 or
while stocks last. |
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| 3. |
All props, accessories or
equipment featured together with the Gifts
in the photographs contained herein are
for decorative purposes only and do not
form part of the Gifts to be redeemed by
the Cardholder. |
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| 4. |
These terms and conditions
for SCCR may be changed or varied at any
time by the Bank without giving any prior
notice nor assigning any reason whatsoever
to the Cardholders. |
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| 5. |
The Bank reserves
the right to suspend or terminate the SCCR
at any time it deems necessary without giving
any prior notice nor assigning any reason
whatsoever to the Cardholders. |
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| 6. |
In the event where there is
discrepancy between the English and the
Bahasa Malaysia version of this Catalogue
and the terms and conditions contained herein,
the English version shall prevail. |
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| 7. |
Save and except for the variation
stated herein all other terms and conditions
in the Standard Chartered Visa and/or MasterCard
Cards Cardholder Agreement shall remain
valid and binding. |
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