Standard Chartered Spree Card, Welcome to the Spree Credit Card. With no minimum spend and up to S$60 cashback monthly, there’s another great reason to go on that shopping spree.
3% cashback
Earn 3% cashback1 on all online spend in foreign currency and all vPost spend.
2% cashback
Earn 2% cashback1 on all online spend in local currency, all contactless and mobile payments.
1% cashback
Earn 1% cashback1 on all other retail spend.
Allianz Cyber Insurance
Enjoy a peace of mind when you shop online with your Spree Credit Card. Under the Allianz Cyber Insurance plan, you will enjoy the benefits of Digital Online Shopping Protection and Online Price Guarantee.
From 1 January to 31 December 2019 (“Period of Insurance”), all Spree Credit Cardholders will enjoy the following benefits when making an online purchase using the Spree Credit Card:
Digital Online Shopping Protection
In the event that a Spree Credit Cardholder buys goods online for personal use that turns out to be a “Non-delivery of the goods” or “Non-compliant goods”, insurance cover of up to S$1,000 during the Period of Insurance is provided, subject to the Allianz Cyber Insurance Master Policy and Conditions.
Online Price Guarantee
If a Spree Credit Cardholder purchases a Covered Item online, pays for it in full, using the Spree Credit Card and within 14 calendar days of the date of purchase, finds the exact item being offered at a lower price on another website, Allianz will reimburse the price difference up to S$1,000 per Covered Item, subject to the Allianz Cyber Insurance Master Policy and Conditions.
Click here for details and the Allianz Cyber Insurance Master Policy Terms and Conditions2
Spree Credit Card Terms and Conditions
1. The Spree Credit Card (“Spree Card“) gives you cashback (“Spree Cashback“) when you (including any person you authorise as a supplementary cardholder on your Spree Card account) use the Spree Card in the manner specified in these terms and conditions
Spree Cashback on Eligible Spree Card Retail Transactions
2. Spree Cashback is awarded only on retail transactions which exclude those transactions listed in Clause 5 below (“Eligible Spree Card Retail Transactions”) made on your Spree Card based on the date such transactions are posted to your Spree Card account. For the avoidance of doubt, the date the transaction is charged may not be the same as the date the transaction is posted due to factors including but not limited to processing time and differences in time zones (where applicable). For clarity, Eligible Spree Card Retail Transactions charged to the Spree Card in a month (as defined in Clause 7 below) but yet to be posted to the Spree Card account by the Spree Card statement date will not be taken into account in the computation of Spree Cashback earned for that month (as defined in Clause 7 below). Spree Cashback is computed on a monthly basis based on your statement date and will be calculated based on two decimal places for each individual Eligible Spree Card Retail Transaction without any rounding off. Spree Cashback earned will be reflected in that month’s Spree Card statement but credited to your principal Spree Card account only in the following statement cycle month. Such Spree Cashback amount will be automatically offset against the following statement cycle month’s billed amount. Spree Cashback earned by your supplementary cardholder(s) of the Spree Card will be credited into your principal Spree Card account.
3. You can earn Spree Cashback at the rate set out in Clause 4 below on the following transactions charged to your Spree Card:
a. eligible transactions identified as online transactions based on codes assigned by Visa that are charged in a foreign currency (which, for the avoidance of doubt, are spends that are not made in Singapore Dollars) (“Eligible Foreign Currency Online Transactions“);
i. Eligible Foreign Currency Online Transactions refers to online Eligible Spree Card Retail Transactions that are not made in Singapore Dollars;
ii. Eligible Foreign Currency Online Transactions exclude transactions made via telephone or mail order;
iii. Eligible Foreign Currency Online Transactions are identified via their category codes. These category codes are assigned by Visa after the merchants and their acquiring banks decide on the relevant category for transactions made at such merchants. If the merchants are not classified by Visa under the online category of merchants, transactions made at these merchants will not be eligible for the Spree Cashback on Eligible Foreign Currency Online Transactions. For the avoidance of doubt, the list of category codes is not under the purview of Standard Chartered Bank (Singapore) Limited and we are not responsible for the category code assigned to a transaction;
b. eligible transactions on vPost (“vPost Transactions“) based on merchant description “PAYPAL *VPOST” and/or “VPOST SHIPPING” and/or “VPOST SHIPPING SERVICE”;
c. eligible transactions identified as online transactions based on codes assigned by Visa that are charged in Singapore Dollars and/or transactions made using mobile wallets and/or contactless transactions (“Eligible Local Currency Online Transactions“);
i. Eligible Local Currency Online Transactions refers to online Eligible Spree Card Retail Transactions made in Singapore Dollars;
ii. Eligible Local Currency Online Transactions exclude (1) transactions made via telephone or mail order and (2) Samsung Pay transactions using Magnetic Secure Transmissions;
iii. Eligible Local Currency Online Transactions are identified via their category codes. These category codes are assigned by Visa after the merchants and their acquiring banks decide on the relevant category for transactions made at such merchants. If the merchants are not classified by Visa under the online category of merchants, transactions made at these merchants will not be eligible for the Spree Cashback on Eligible Local Currency Online Transactions. For the avoidance of doubt, the list of category codes is not under the purview of Standard Chartered Bank (Singapore) Limited and we are not responsible for the category code assigned to a transaction;
iv. Mobile wallet transactions are transactions made using Apple Pay, Google PayTM or Samsung Pay via contactless terminals using Near Field Communication technology; and/or
d. any other Eligible Spree Card Retail Transactions that are not Eligible Foreign Currency Online Transactions, vPost Transactions or Eligible Local Currency Online Transactions (“Other Eligible Spree Card Retail Transactions”).
4. Spree Cashback will be awarded in the following manner:
| CATEGORY OF ELIGIBLE SPREE CARD RETAIL TRANSACTIONS | SPREE CASHBACK | |
| (a) | Eligible Foreign Currency Online Transactions | 3% |
| (b) | vPost Transactions | 3% |
| (c) | Eligible Local Currency Online Transactions – including transactions made using mobile wallets and/or contactless transactions | 2% |
| (d) | Other Eligible Spree Card Retail Transactions | 1% |
5. The following transactions will not qualify as Eligible Spree Card Retail Transactions:
a. any cash advance;
b. any fees and charges (including but not limited to annual card fees, service fees, interest charges, cheque processing fees, administrative fees, finance charges, and/or late payment charges and other miscellaneous fees and charges);
c. any Credit Card Funds Transfer;
d. any monthly instalment of an EasyPay transaction;
e. any amount charged to your Spree Card that is subsequently cancelled, voided, refunded or reversed;
f. recurring payments or payments made using Standard Chartered Online Banking;
g. AXS or ATM transactions made using the Spree Card;
h. amounts which have been rolled over from the preceding months’ statements;
i. tax refunds credited into your Spree Card account (and/or your supplementary card account);
j. any tax payments charged to your Spree Card (and/or your supplementary card);
k. any insurance premiums charged to your Spree Card (and/or your supplementary card);
l. any top-ups or payment of funds to any prepaid cards and any prepaid accounts including without limitation to the following accounts or any other accounts as we may specify from time to time; and
| · EZ LINK PTE LTD | · FLASHPAY ATU | · OANDAASIAPA |
| · EZ LINK PTE LTD (FEVO) | · TRANSITLINK* | · OANDA ASIA PAC |
| · EZ-LINK PTE LTD SINGAPORE | · TRANSIT LINK* | · PAYPAL * BIZCONSULTA |
| · EZ-LINK TOP-UP KIOSK | · TRANSIT LINK PL | · PAYPAL * OANDAASIAPA |
| · EZ-LINK (IMAGINE CARD) | · TRANSIT | · PAYPAL * CAPITALROYA |
| · EZLINK* | · MB * MONEYBOOKERS.COM | · Saxo Cap Mkts Pte Ltd |
| · EZ LINK | · WWW.IGMARKETS.COM.SG | · SKR*SKRILL.COM |
| · EZLINKS.COM |
m. any other charge, fee, transaction or payment as we may stipulate from time to time.
Maximum Spree Cashback
6. The maximum Spree Cashback awarded for any month is capped at S$60 per Spree Card account.
General
7. For the purposes of these terms, “month” means the period from the statement date of the current month to one day prior to the statement date of the following month.
8. For any new transaction payable by monthly instalment payments, if you charge the total amount in respect of such transaction to your Spree Card within a particular month where such total amount is successfully converted to monthly instalments:
a. at the point of sale by a participating merchant, the monthly instalment amount (and not the total amount charged) will qualify for Spree Cashback provided that (i) such new transaction payable by monthly instalment payment is an Eligible Spree Card Retail Transaction, and (ii) such monthly instalment amount is successfully posted to your Spree Card account before the end of that month. Subsequent monthly instalment amounts will also qualify for Spree Cashback for such months in which the relevant instalment amount is posted; or
b. at a later date by us, the total amount charged (and not the converted monthly instalment amount) will qualify for Spree Cashback provided that (i) such new transaction payable by monthly instalment payment is an Eligible Spree Card Retail Transaction, and (ii) such monthly instalment amount is successfully posted to your Spree Card account before the end of that month. Subsequent monthly instalment amounts will also qualify for Spree Cashback for such months in which the relevant instalment amount is posted.
9. We are not responsible and accept no liability for any failure or delay in the transmission of a transaction and/or Eligible Spree Card Retail Transaction by any party (including but not limited to Mastercard/Visa acquiring merchants, merchant establishments, or any telecommunication provider) for whatsoever reason.
10. Your Spree Card account must be in good standing and conducted in a proper and satisfactory manner, as we may determine in our sole discretion, at the time of crediting the Spree Cashback. In the event that your Spree Card account is delinquent, terminated or suspended for any reason whatsoever before the Spree Cashback is credited into your Spree Card account, we reserve the right to forfeit such Spree Cashback in our sole discretion without prior notice.
11. We accept no liability for any late submission of any transaction and/or Eligible Spree Card Retail Transaction by merchants for whatsoever reason.
12. Any Spree Cashback if credited to your Spree Card account for any of the transactions listed under Clause 5 will be reversed in our sole discretion without prior notice.
13. Spree Cards are excluded from earning rewards under the Standard Chartered 360° Rewards Programme.
14. We reserve the right to vary, modify, and amend any of these terms (including but not limited to the right to vary the rate of Spree Cashback, the maximum amount of Spree Cashback to be awarded, and the basis of calculation of Spree Cashback) from time to time without prior notice and you agree that you are bound by such variations, modifications, and amendments.
15. Our decision on all matters pertaining to the Spree Card shall be final and binding on you and your supplementary cardholders.
16. These Standard Chartered Spree Credit Card Terms and Conditions are to be read in conjunction with our Customer Terms and Credit Card Terms (“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.
17. A person who is not a party to these terms and conditions has no rights under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of these terms and conditions.
18. These terms and conditions are governed and construed in accordance with the laws of Singapore. Any dispute arising out of these terms and conditions shall be referred to the exclusive jurisdiction of the Courts of Singapore.
19. Google Pay is a trademark of Google LLC.
20. All information is accurate at the time of publication.