3. For your multiple credit cards application, you shall have one 8. Without limiting the above, our “Notice to Customers and Other New^ Standard Chartered Existing Standard Chartered Important Notes: Reward Reward Amount Priority Banking, Preferred Banking and Easy Banking 20. Customers who successfully apply and credit line is made Insurance Privileges Terms and Conditions and Important
approved credit limit which is to be shared among all the credit Individuals relating to the Personal Data (Privacy) Ordinance * Extract from the Bank’s Service Charges Booklet: For Priority Scenario plans respectively. available during the Promotion Period will be eligible for the Notes
Deposits customers enjoy Deposits customers enjoy flat Detail
cards. Total monthly transactions of all your credit cards will and the Code of Practice on Consumer Credit Data” (Notice, flat 1% p.a. 0.5% p.a. Banking and Preferred Banking customers, “Relationship c. Reward amount is calculated according to the actual following promotional offers in accordance with the terms and 27. Insurance plans under Salary BonusPack Optional Services
also be consolidated into one statement. which is available to you at any of our branches and/or on our Customers who apply Salary HK$50 Up to Up to monthly payroll deposited. If the monthly payroll amount conditions set out below:
Promotional Savings Promotional Savings Interest Balance” includes the aggregate balance of deposits, BonusPack Basic Service cash HK$100 HK$300 (the “Plans”) are underwritten by MSIG Insurance (Hong Kong)
4. Priority Banking customers will be entitled to perpetual annual website at http://www.standardchartered.com.hk) also forms Interest Rate Rate investments, accumulated premiums of selected insurance, is variable, the reward amount shall be calculated • Designated Product Sign-up Privilege with details are set Limited (“MSIG”) which includes: Core Cover – Lifestyle Plus
fee waiver for Priority Banking Credit Card; Preferred Banking part of the banking agreement. You agree that all information and one or more Autopay bill rebates* according to the customer’s lowest monthly payroll out in the clause 16
utilised amounts of secured/unsecured overdraft facilities, payment services Insurance Policy and Optional Covers – Annual Travel Insurance
customers will be entitled to perpetual annual fee waiver for provided by you in connection with this application (including within first 3 months within first 3 months outstanding balances on Standard Chartered credit cards^ and amount. Each customer’s payroll amount and number • First Year Annual Fee Waiver for the Personal Line Plan, Excel Hospital Income Plan and CriticalCare Policy 1.0.
Preferred Banking Credit Card; and Payroll Account customers personal information) may be used and disclosed to such Thereafter, BP Account will enjoy the Preferential Savings outstanding balances of Standard Chartered Personal Loans Customers who upfront HK$50 of payroll transactions are subject to the Bank’s record. of Credit 28. To enjoy the premium discount under the Core Cover and
will be entitled to perpetual annual fee waiver for executive persons (whether in or outside Hong Kong) and for such Interest Rate as stipulated in Clause 7 you maintain with the Bank under personal accounts. For Easy complete and submit the cash In case of dispute, the Bank reserves the right of final • Interest Rate at Prime Rate for the first year and as low as Optional Covers, the policyholder’s BP Account with the Bank
platinum Credit Card/executive Credit Card. Standard Chartered purposes as set out in the Notice. Banking customers, only relationship balance under personal Personal Line of Credit rebates* decision. P+4% p.a. thereafter has to be inforce and valid at the time of premium discount .
Salary BonusPack Important Notes and Terms and Platinum/Titanium/Gold/Classic Credit Cardholders will be 9. We reserve the right to amend the important notes, terms and ^ New Standard Chartered Deposits customers refer to customers accounts in sole name or joint names as primary account holder Application Form together d. Credit card free spending credits will be credited to the 21. The first-year annual fee will be waived provided that customer 29. To enjoy the premium discount under the Optional Covers,
Conditions entitled to first year annual fee waiver. For other customers: conditions or any other contents here at any time. Any benefit, who have not maintained any deposits account (whether in his/ will be counted. with applications for Salary relevant Standard Chartered executive platinum/executive has no overdue records or unsatisfactory credit history as Eligible Customers must apply for the Core Cover and the
(i) annual fee for Principal Priority Banking Credit Card, Principal promotional offer or welcome gift for successful application her sole name or jointly with others) with the Bank 12 months ^ Standard Chartered credit cards refer to Standard Chartered BonusPack Basic Services Credit Card of Eligible Customer. A Notification SMS for the determined by the Bank. We may deduct the annual fee of 1% Optional Covers at the same time.
You need to read this document. Preferred Banking Credit Card, Principal executive platinum is subject to availability and we may change such offer at our before the BP Account opening date. relevant credit card free spending credits will be issued to (per annum) of the credit limit, subject to a minimum charge of
Credit Card, Standard Chartered American Express® Card Customers who submit a HK$200 HK$200 30. Redemption letters for the one time free Single Travel
It sets out specific terms and conditions on which we agree Credit Card and Principal Standard Chartered Platinum Card discretion from time to time without notice to you. In case of any and Standard Chartered co-branded credit card (including the Eligible Customer after the posting of credit card free HK$200 and a maximum charge of HK$700 from your line of Insurance Plan (“Travel Offer”) will be sent by MSIG to the
to provide you with any of the products and services under copy of Hong Kong Identity cash
is HK$2,400, HK$1,800, HK$1,800 and HK$1,800 respectively; dispute, our decision shall be final and conclusive. 7. The Preferential Savings Interest Rate shall be the Bank’s supplementary cards and corporate cards) issued by the Bank. Card, residential address rebates** spending credits. The counting period and credit months for credit/overdraft account on the effective date of the Personal correspondence address of the policyholder within 90 days
Salary BonusPack. You must read it in conjunction with our and in respect of any one of the said Principal Credit Cards, 10. If there is any inconsistency or conflict between the English and prevailing highest tiered interest rate for Hong Kong Dollar Outstanding balances on supplementary cards will contribute to New Payroll Service Customer Welcome Offer are as below: Line of Credit and on each anniversary of the effective date of from the policy effective date of the Core Cover. The Core
Customer Terms, and the applicable documents referred to proof and income proof
annual fee is permanently waived for up to 3 Supplementary the Chinese versions, the English version shall prevail. Savings Account as at the interest calculation date or the Relationship Balance of the principal cardholder only. (latest 1 month salary slip) the Personal Line of Credit. Cover must be inforce at the time of redemption.
in Part A of Customer Terms (including the Current/Cheque/ Cards issued thereunder but annual fee in the respective 0.05% p.a., whichever is higher. BP Account At least Credit card Notification 22. The preferential interest rate is valid until next review date (which 31. Redemption of the Travel Offer must be made with MSIG within
Savings Account and Time Deposit Account Terms, and where to the Bank and successfully Opening Date* 2 consecutive free spending SMS to be
amounts of HK$1,200, HK$900, HK$900 and HK$900 will 8. The Promotional Savings Interest Rate and Preferential Savings Risk Disclosure Statement: apply Personal Line of Credit is one year from the date the credit line is made available) and the first policy year of Core Cover, after that the redemption
applicable, the Integrated Deposits Account Terms; and if you be charged for each and every Supplementary Card issued Promotional Terms and Conditions for Salary Interest Rate are not guaranteed. We reserve the right to make Investment involves risks. The prices of investment products monthly credits to be issued on or thereafter will be charged as set out in below table: right will be taken to have relinquished. To redeem the Travel
are applying for Salary BonusPack Basic Services, also Credit BonusPack within the Promotion Period auto-payroll posted on or before
after the 3rd Supplementary Card; (ii) annual fee for Principal any adjustment to the Promotional Savings Interest Rate and may move up or down and the worst case will result in loss of Offer, policyholders should contact MSIG Hotline 3122 6722
Card Terms, Terms and Conditions for Tele-electronic Banking Preferential Savings Interest Rate from time to time at our sole transactions into before Line of credit Interest rate* Annual fee
executive Credit Card, Titanium Credit Card, Gold Credit Card your entire investment. Customers should consider their own * Cash rebates will be credited to relevant BP Account of (HK$) (HK$) directly. Service Hours: Monday to Friday 9:00am to 5:30pm
Services, product brochure, Important Notes and promotional and Classic Credit Card is HK$250, HK$600, HK$550 and General and absolute discretion. investment objective, investment experience, financial situation and BP Account on
Eligible Customer within 8 weeks from the application for or before (except Public Holidays).
terms (if applicable)) and any other documents forming our HK$250 respectively and annual fee for each Supplementary 1. To be eligible for the promotional offers for Salary BonusPack 9. If customer has failed to use the BP Account for auto-payroll risk tolerance level; and also read the terms and conditions of the Autopay bill payment service or Personal Line of Credit. $10,000 - $19,999 Prime Rate + 7% p.a. 1% of credit limit 32. The offers, if any, of the Plans in Salary BonusPack are
banking agreement. The banking agreement is available to you Cards issued thereunder is HK$125, HK$300, HK$275 and (Salary Package Offers), customer must be the primary services within the first 2 months from the BP Account opening relevant investment services/offering documents including the risk Eligible Customers who cancel their applications during amount non-replaceable, non-refundable, non-transferable and
at any of our branches or our website at www.standardchartered. account holder who has successfully signed up for the Salary date or has ceased to use the BP Account for auto-payroll 1 to 31 August 30 November 31 January 28 February $20,000 - $49,999 Prime Rate + 5% p.a. Minimum $200
HK$125. disclosures, and is advised to seek independent professional advice the Promotion Period or before the cash rebates credit 2012 2012 2013 2013 non-returnable and will be subject to the relevant terms and
com.hk. If there is any inconsistency between the approval and any 5. The Annualised Percentage Rates of Interest (“APR”) for Priority BonusPack Basic Services (including a newly opened BP services, even if the customer shall use or resume use of the before making any investment decision. to relevant BP Account will not be eligible for the cash conditions. The offers, if any, cannot co-exist with other offers
other part of our banking agreement, then the terms in the approval Account) on or before 30 September 2012 (Promotion Period) auto-payroll services thereafter, the Promotional Savings $50,000 - $800,000 Prime Rate + 4% p.a. Maximum $700
Banking Credit Card/Preferred Banking Credit Card/executive rebates. A Notification SMS will be issued to the Eligible 1 to 31 December 28 February 31 March (including staff offer).
prevails. These terms do not apply to any existing product(s) or platinum Credit Card/executive Credit/Platinum Credit Card/ and are required to continuously use such BP Account for auto- Interest Rate and Preferential Savings Interest Rate will not be This document has not been reviewed by Securities and Futures Customer within 4 weeks after the cash is credited. 30 September 2012 2013 2013 * Interest shall accrue daily on the basis of a 365 or 366-day 33. The Bank and MSIG reserve the right to amend, suspend or
service(s) you have with us to the extent that they are subject to Titanium Credit Card/Gold Credit Card/Classic Credit Card payroll services with us (Eligible Customer). applicable to the BP Account again. Applicable interest rate Commission or any regulatory authority in Hong Kong. ** Cash rebates will be credited to relevant BP Account of 2012 year (where applicable). The Prime Rate refers to the Hong terminate the Plans and the offers, if any, or alter the terms and
separate terms and conditions. are 31.7% for retail purchases and 34.7% (inclusive of cash 2. The Salary Package Offers comprise the following promotional for the BP Account will subsequently be changed to prevailing Eligible Customer within 8 weeks from the successful Kong Dollar Prime Lending Rate as announced by the Bank conditions thereof at any time without prior notice. In case of
offers, which are subject to respective terms and conditions: interest rate of ordinary Hong Kong Dollar savings account. 12. After the expiry of the maintenance fee waiver period or the
Meaning of words advance handling fee) for cash advances, or in each case at customer’s BP Account is suspended or terminated or if the application for Personal Line of Credit and provided that * To be eligible for the New Payroll Service Customer Welcome from time to time. disputes, the decision of the Bank and MSIG shall be final and
such higher rate which we may in our sole discretion (subject Savings Interest Rate Offers; Priority Banking/Preferred 10. In the event that the Eligible Customer is also entitled to other the customer’s Personal Line of Credit account is valid and Offer, eligible Customers have to use the BP Account for 23. The Bank reserves the right to determine the loan amount, binding.
Other than the defined terms here or under the product brochure Banking/Easy Banking Maintenance Fee Waiver; Credit Card prevailing promotional offer(s), including but not limited to customer ceases to use the BP Account for auto-payroll services,
to applicable laws and regulations) determine from time to time. a quarterly maintenance fee will be charged according to our with no past due record or unsatisfactory credit history as our auto-payroll services within the first 2 months since the limit, minimum monthly repayment, interest rate or any other
or promotional terms (if applicable), you also need to refer to the APR are calculated based on the guidelines as set out in the Welcome Offers; Personal Line of Credit Privileges; Insurance Standard Chartered Brokerage Fee Waiver Program, we Important Notes for the Plans:
other documents that form our banking agreement which define usual rate as set out in our tariff sheet. Details of the relevant determined by the Bank. A Notification SMS will be issued opening of the BP Account. offer in respect of the loan applied, or to decline customer’s
Code of Banking Practice and is for reference only. With effect Privileges; and Salary BonusPack Welcome Offers. reserve the right to withdraw the Promotional Savings Interest to the Eligible Customer within 4 weeks after the cash is e. Those Eligible Customers whose applications for Standard application in its entirety without giving any reason for doing so. • MSIG is not an associate or subsidiary of the Bank and is
key words used in this document. For instance, please note:- 3. The Salary Package Offers will only become effective on or after Offer at our discretion. usual rate are set out in the “Service Charges - An easy guide to
from 29 July 2012, APR for executive platinum Credit Card/ banking fees”, Customer Guide of “Priority Banking”/”Preferred credited. Chartered executive platinum/executive Credit Card are If customer’s application is declined, no contractual relationship solely responsible for all coverage and compensation under
you means the person named as the “applicant” in the application. executive Credit Card/Platinum Credit Card/Titanium Credit the opening date of the BP Account. Employees of the Bank are the policies issued thereunder. MSIG reserves the right of final
If there is more than one, you means each person separately as well Priority Banking/Preferred Banking First 4-quarter Banking”/”Easy Banking” and “Priority Banking/Preferred b. The details of Personal Line of Credit Offers Terms and declined, the equivalent cash amount of the relevant credit arises between the Bank and the customer in respect of any
Card/Gold Credit Card/Classic Credit Card will be 33.41% not entitled to the Salary Package Offers. Conditions are set out in the clauses 18 to 25. card free spending credits will be credited to the Eligible product or service requested in the application. approval of the applications under the Plans.
as every 2 or more of them jointly. 4. Eligible Customer has to use the BP Account for our auto- Maintenance Fee Waiver and Easy Banking Service Banking/Easy Banking Terms and Conditions”, which is subject
for retail purchases and 36.54% (inclusive of cash advance to change by the Bank from time to time. 17. New Payroll Service Customer Welcome Offer: Customers’ BP Account. 24. In case if customer’s application is approved, the pricing (such • Information as filled in the application form and any other
we (without limiting the meaning defined in Customer Terms) or handling fee) for cash advances. payroll services within the first 2 months since the opening of Perpetual Maintenance Fee Wavier (Fee Waiver Offer) necessary data and information, including Eligible Customer’s
Bank means Standard Chartered Bank (Hong Kong) Limited for Terms and Conditions a. Depending on his/her actual monthly salary, Eligible f. In the event that Eligible Customer is also entitled to other as interest rate and handling fee) will be offered to customer
6. We may have obtained a credit report on the customer the BP Account. If the BP Account is suspended or terminated Salary BonusPack Welcome Offers Terms and Conditions Customers will be rewarded with credit card free spending prevailing promotional offer(s), including but not limited based on the credit record customer submits to us upon the signature, will be passed to MSIG for application and related
this application. and any of its sureties from a credit reference agency in or if the Eligible Customer ceases to use the BP Account 11. The Fee Waiver Offer is available to Eligible Customer who has purposes, MSIG will contact Eligible Customer directly for
13. Salary BonusPack Welcome Offers (Welcome Offers) consist credits in the Standard Chartered executive platinum/ to Standard Chartered Brokerage Fee Waiver Program, application. The Bank reserves the right to modify such pricing
considering any application for credit. In the event the for auto-payroll services, from the effective date of such signed up for a Banking Plan during the Promotion Period and executive Credit Card as follows: offered to customer by giving 30 days’ advance notice based supplementary information as regards the application (if
Important Notes fulfilled the following respective criteria: of (i) Designated Product Sign-up Privilege, and (ii) New Payroll we reserve the right to withdraw the New Payroll Service
customer or any of its sureties wishes to access the credit suspension, termination or cessation (or any other date which Customer Welcome Offer at our discretion. on the Bank’s credit assessment from time to time including, required). MSIG reserves its right to accept/reject the application
1. Salary BonusPack includes the following basic products and we may specify at our sole and absolute discretion), the Eligible Service Customer Welcome Offer. Banking Plan Monthly Salary Credit Card Free
services (Basic Services): report, we will advise the contact details of the relevant Banking Customer Entry Fee Waiver 14. Only Eligible Customers are entitled to the Welcome Offers. but not only limited to, customer’s repayment record, credit and renewal arrangement.
credit reference agency. Customer will no longer be entitled to any of the Salary Package Range (HK$) Spending Credits Personal Line of Credit Offers Terms and Conditions bureau grading and the Bank’s prevailing credit policy. • The insurance policy(ies) and/or terms and conditions of the
Bonus Payroll Account, being either a HKD statement savings Offers and the BP Account will be converted into an ordinary Plan Eligibility Relationship Offer Customers who have used our auto-payroll services during the (HK$)
account or HKD savings account with an Integrated Deposits 7. We reserve the right to determine the criteria and requirements Balance* previous 12 months prior to the sign-up of the BP Account are 18. Upon Salary BonusPack Basic Services Customer’s successful 25. This promotional material is related to promotion offers only. Plans will be issued by MSIG and sent to Eligible Customer’s
applicable to each of the respective products and services Hong Kong Dollar savings account. Priority Banking 80,000 or above 500 application and subject to the terms and conditions below, a Customers are advised to read the terms and conditions correspondence address within 30 days from the policy effective
Account (BP Account); HKD current account; Priority Banking/ 5. In the event that the Eligible Customer is also entitled to other Requirement NOT eligible for the Welcome Offers.
Preferred Banking/Easy Banking Plan (Banking Plan); Priority/ under Salary BonusPack (including but not limited to the 15. To be eligible for the Welcome Offers, all the accounts opened Preferred Banking 20,000 to below 200 Personal Line of Credit may be provided to such customer if contained in the Standard Chartered Personal Line of Credit/ date. The insurance policy(ies) and/or terms and conditions as
Banking Plans and credit cards), or to decline your application prevailing promotional offer(s) or deposit privilege(s), we reserve Eligible Customers 80,000 he/she: Overdraft and also those stated in the Customer Terms set out therein shall prevail. Eligible Customer will have 14-day
Preferred Banking Credit Card (as the case may be); Standard the right to provide only one or some of the offer(s) and/or First 4-quarter under the Salary BonusPack should be in good financial
in its entirety or of each such products and services or in its Priority with monthly Waived Maintenance Fee standing at the time the relevant Offer or Reward is awarded or a. holds a valid Standard Chartered current account without and Personal Loan/Personal Line of Credit/Overdraft Terms policy review period upon receipt of the insurance policies and/
Chartered executive platinum Credit Card/executive Credit privilege(s) at our discretion. Banking Easy Banking 5,000 to below 100
Card (as the case may be); Standard Chartered ATM card and without given you any reason for doing so. We also reserve salary HK$80,000 Waiver credited to the customer. any form of Personal Line of Credit or Overdraft facility; (“Terms”), (which are available at our website at http:// or terms and conditions to request policy cancellation and
the right to offer an alternative type of Standard Chartered or above 20,000 premium refund if no claim is incurred during that period.
Online Banking Services; and the following optional services Savings Interest Rate Offers Terms and Conditions 16. Designated Product Sign-up Privilege: b. has at least one payroll transaction through the Bonus www.standardchartered.com.hk) and form part of the banking
(Optional Services):- Insurance Plans underwritten by MSIG Credit Card instead of the Card you apply hereunder. In 6. The Promotional Savings Interest Rate Offer is applicable to a. Customers who sign up designated products upon b. To be eligible for up to HK$500 credit card free spending Payroll Account for auto-payroll service; agreement between the customers and the Bank.
respect of applicants for the Priority Banking Credit Card/ Eligible Customers First 4-quarter credits, Eligible Customers have to use the BP Account c. has a fixed monthly income of HK$5,000 or above;
Insurance (Hong Kong) Limited; Personal Loan Services; the BP Account of the Eligible Customer starting from the next Preferred with monthly sign-up of Salary BonusPack Basic Services will receive Credit Card Welcome Offers Terms and Conditions
Mortgage Loan Services; Renminbi Regular Savings Plan and Preferred Banking Credit Card/executive Credit Card, if the business day on which the Eligible Customer has first used Waived Maintenance Fee up to HK$300 Rewards. for our auto-payroll services within the first 2 months d. has provided with us any and all required documents which
relevant requirement(s) is not met, your application therefore Banking salary HK$20,000 Waiver since the opening of the BP Account. Moreover, Eligible we see necessary for approving Personal Line of Credit or 26. Welcome Offers Terms and Conditions applicable to Principal
Personal Line of Credit. the BP Account for auto-payroll services with us. Customers or above
2. To set up auto-payroll services for the BP Account, you will may be considered/treated as a Standard Chartered Platinum who have used our auto-payroll services during the previous Customers must have at least 2 consecutive monthly Overdraft facility; and Priority Banking Credit Cardholders, Principal Preferred
need to get authorization from your employer for crediting Credit Card/Titanium Credit Card/Gold Credit Card/Classic 12 months prior to the sign-up of the BP Account are NOT Eligible Customers auto-payroll transactions into the BP Account within the e. is Hong Kong Resident aged 18 or above Banking Credit Cardholders, Principal executive platinum
Credit Card application. In respect of applicants for executive Perpetual account opening month of BP Account and the following f. has not used our auto-payroll services during the previous Credit Cardholders, Principal executive Credit Card, Principal
the BP Account automatically with your salary through the eligible for the Promotional Savings Interest Rate and Easy with monthly Waived Maintenance Fee
automatic payment arrangements as we specify. Once the platinum Credit Card, if the relevant requirement(s) is not met, Preferential Savings Interest Rate. Banking salary of any 3 calendar months, and subject to fulfilling the respective 12 months prior to the sign-up of the BP Account. Standard Chartered Platinum/Titanium/Gold/Classic Credit
your application therefore may be considered/treated as an Waiver monthly salary requirement for each reward tier as set in 19. The promotion period lasts until 30 September 2012 Cardholders are set out in the relevant leaflets.
auto-payroll services have been successfully set up, we will amount
act in accordance with such authorization. Electronic payroll executive Credit Card/Standard Chartered Platinum Credit the table above. Customers who make the payroll deposit (“Promotion Period”)
payment does not include overseas TT, local CHATS, Cheque Card/Titanium Credit Card/Gold Credit Card/Classic Credit through standing instruction will only enjoy HK$250,
or Cash. Card application. HK$100 and HK$50 credit card free spending credits for
Issued by Standard Chartered Bank (Hong Kong) Limited