* Terms and Conditions apply Standard Chartered Bank is a Licensed Bank supervised by the Central Bank of Sri Lanka and is rated AAA (lka) by Fitch Ratings Lanka

A Standard Chartered Credit

Card

is

all

you

require to step in to a world of privilege. From divine dining to luxury travel, we are committed to providing you nothing but the best offers to suit your lifestyle.

Enjoy more rewards with Standard Chartered Bank! 360° Rewards Points The Standard Chartered ‘360° Rewards Points’ program gives you the best value for every point you earn.

How it works Providing the best for our customers is our aim; with this goal we at Standard Chartered Bank pioneered the best rewards program in Sri Lanka and we continue to be the best. Every time you use your Credit Card for transactions you are eligible to earn Points. To convert your collection of Points into great holidays, shopping and even dining experiences, simply call the Bank and state your requirement.

Key features • Earn 1 point for every LKR 100 spent on the VISA Platinum Credit Card. • Earn 1 point for every LKR 200 spent on the Platinum Privilege, Gold and Classic Credit Card. • Points can be redeemed in multiples of 2,500 or 5,000. • In order to redeem your points for travel rewards on Asia Miles and/or KrisFlyer and/or JetPrivilege you need to be a member of the respective frequent flyer program. Registrations could be done online at www.asiamiles.com, www.krisflyer.com or www.jetprivilege.com.

Redemption partners Travel

• Redemptions can be done in multiples of 5,000 points. Lodging

• Redemptions can be done in multiples of 2,500 points. Wine and Dine

• Redemptions can be done in multiples of 2,500 points. Shopping / Other

• Redemptions can be done in multiples of 5,000 points. • No restriction to the number of points that can be donated for Seeing is Beleiving.

Smart Cheque Choose the smart way to get smart for life with ‘Smart Cheque’.

How it works You can make any payment to educational institutions or any other merchant establishment by ‘Smart Cheque’ with your Standard Chartered Credit Card. Be it school fees or higher educational expenses, simply call the Bank and state your requirement. Your request will be processed in two working days.

Key features • Minimum transaction value: LKR 10,000 • Maximum transaction value: Available Credit limit on your Credit Card • Repayment options: Option 1 – Select to repay the transaction with a one off processing fee of 2% (on the value of the cheque) and a monthly interest rate of 2.33% (28% p.a). Illustration: For a LKR 10,000 “Smart Cheque” facility, a one off processing fee of LKR 200 and a monthly interest rate of 2.33% (28% p.a) will be levied. Option 2 – Select to repay the transaction in equal monthly instalments with a one off processing fee. Available tenors will be 3, 6, 12 and 24 and the applicable one off processing fee will be 6%, 7%, 10.50% and 17.50% respectively, 03

06

12

24

Monthly instalment (In LKR)

3,333

1,667

833

417

One off processing fee (In LKR)

600 (6%)

700 (7%)

Monthly interest (In %)

0%

0%

Tenor

1,050 1,750 (10.5%) (17.5%) 0%

0%

Zero Surcharge Make it to all corners of the globe for much less with ‘Zero Surcharge’.

How it works Each time you use your Credit Card for a travel related transaction you have to pay an additional surcharge of 2%-3%. With the ‘Zero Surcharge’ facility travelling becomes more exciting. When you purchase your airfare or a travel package with your Standard Chartered Credit Card it will be treated like a cash payment and no surcharge will be applicable. Simply use your Standard Chartered Credit Card at any of our partner travel agents and walk away with a better deal and more savings.

Key features • Issued absolutely free of charge • Free Travel Insurance cover up to USD 250,000 for Platinum Credit Cardholders and up to USD 100,000 for Platinum Privilege and Gold Credit Cardholders

Partner travel agents

Aitken Spence Travels

Browns Tours

Classic Travel

Gabo Travels

Hayleys Travels

Hemas Travels

Mackinnons American Express Travel

Shums Travels

VMS Travels

• 360° Rewards Points/Miles will not be awarded for this facility.

Loan on Card Enjoy no-frills, easy loan facility just using your Standard Chartered Credit Card with ‘Loan on Card’.

How it works Cash emergencies are never pre-planned. No matter how prosperous you may be, there may be times when cash in kind is never around. That’s why with Standard Chartered ‘Loan on Card’ we offer you an easy loan facility to get the cash you need in quick time and with no documentation. You also have the benefit of settling the loan in easy instalments at preferential rates. Simply call the Bank and state your requirement. Your request will be processed in two working days.

Key benefits • No paper work • Easy instalment billing • Lower interest rates • Quick delivery of pay order

Key features • Minimum loan amount: LKR 30,000 • Maximum loan amount: up to 70% of the available balance on your Credit Card • Loan repayment: Refer to illustration below for a LKR 30,000 loan, 06

12

24

36

5,000

2,500

1,498

1,085

One off processing fee 2,100 3,150 (In LKR) (7%) (10.5%)

600 (2%)

600 (2%)

Monthly interest (In %)

1.5%

1.5%

Tenor Monthly instalment (In LKR)

•

0%

0%

Stamp duty: Applicable government levy on the loan amount

“Loan on Card” consent form 1. Standard Chartered Credit Card no:

2. Full name: 3. NIC No: 4. Contact number: 5. Loan amount requested: 6. Preferred tenor: 6 months

12 months

24 months

36 months

‘Loan on Card’ Terms and Conditions 1. This is a special promotional offer to selected Credit Cardholders only. The Cardholders are selected solely at the discretion of Standard Chartered Bank. 2. The installments would be billed to the Cardholder monthly Credit Card statements in equated monthly installments. 3. The amount of loan processing fee and the stamp duty will be billed to the Cardholder monthly Credit Card statement (one-off charge). 4. The loan will be provided in the form of a pay order (in Sri Lankan rupees only) by debiting the Cardholder’s Credit Card account. The pay order will be issued in favour of the Cardholder only. 5. The pay order will be dispatched to the Cardholders mailing address last given by the Cardholder. Standard Chartered Bank shall not be found liable for any direct or consequential loss or damage suffered by the Cardholder on account of any delay in receipt of the pay order by the Cardholder. 6. The credit limit on the Card account will be reduced to the extent of the principal amount of the loan availed and will be released as and when the monthly installments are billed and paid in the subsequent months. 7. If the Cardholder’s Standard Chartered Credit Card is closed before all installments have been billed, the loan amount outstanding would be debited as one consolidated amount to the Cardholder’s Credit Card account. 8. The Bank reserves the right to foreclose the loan and bill the entire outstanding amount if the earlier payments are overdue. 9. Payments made in excess of the Credit Card outstanding will not automatically be adjusted against unbilled installments and will hence not result in prepayment of the Loan on Card Program. 10. 360° Rewards Points/Miles will not accrue on the Loan on Card transaction amount. 11. In the event the Cardholder wishes to settle the loan before the due period, there will be pre-closure fee of 4% on the remaining amount for estimated administrative costs. 12. The Cardholder undertakes to indemnify the Bank on demand in respect of any type of liability, loss, damage, claims and expenses arising out of or in connection with any breach of these terms and conditions. I hereby confirm that I have received, have been explained and understood the Terms and Conditions applicable to ‘Loan on Card’.

Cardholder Signature:

Date:

Credit Ease Settle other Credit Card payments with your Standard Chartered Credit Card with ‘Credit Ease’.

How it works With your Standard Chartered Credit Card, your credit situation can be eased with great savings. Instead of having outstanding balances with different providers you can transfer all outstanding balances from your other Credit Cards to your Standard Chartered Credit Card and enjoy convenience and savings.

Key benefits • No paper work • Easy instalment billing • Preferential rates

Key features • Minimum transaction value: LKR 10,000 • Maximum transaction value: Available Credit limit on your Credit Card • Repayment: Select to repay the transaction in equal monthly instalments with a one off processing fee. Available tenors will be 3, 6 and 12 the applicable one off processing fee will be 5%, 6% and 10.50%. Illustration: For a LKR 10,000 facility, 03

06

12

Monthly instalment (In LKR)

3,333

1,667

833

One off processing fee (In LKR)

500 (5%)

600 (6%)

1,050 (10.5%)

Monthly interest (In %)

0%

0%

0%

Tenor

• Stamp duty: Applicable government levy on the balance transferred.

“Credit Ease” consent form I would like to transfer the balance on my other Bank Credit Card to my Standard Chartered Credit Card a) Standard Chartered Credit Card No: b) Other Bank Credit Card No: c) Other Bank Name: d) Name as embossed on other Bank Credit Card: e) Amount to be transferred In words: In digits: f) Repayment: Select to repay the transaction in equal monthly instalments with a one off processing fee. Available tenors will be 3, 6 and 12 the applicable one off processing fee will be 5%, 6% and 10.50%. Preferred Tenor:

3 months

6 months

12 months

‘Credit Ease’ Terms and Conditions 1. For customers who do not hold a Standard Chartered Credit Card, the Credit Ease will be offered subject to approval of the Credit Card application. 2. This is a special promotional offer to selected Credit Cardholders only. The Cardholders are selected solely at the discretion of Standard Chartered Bank. 3. The Bank has the sole discretion to accept or reject any Credit Ease application. 4. The minimum transaction value for Credit Ease is LKR 10,000. 5. The Credit Ease transaction(s) will be debited to the Standard Chartered Credit Cardholders Credit Card account and remitted to the nominated Bank by way of a Bank draft, subject to Central Bank provisions, by the Bank. 6. The Bank will take a maximum 7 working days in order to settle the other Banks outstanding from the day of approval. 7. The Bank will not be liable for payment of any overdue charges, late payment fees, finance charges, or any other charges/liabilities of the Credit Cards mentioned above due to any payment delays. 8. 360° Rewards Points/Miles will not accrue on the amount of balance transferred from the nominated Bank Card to the Standard Chartered Credit Card. I hereby confirm that I have received, have been explained and understood the Terms and Conditions applicable to ‘Credit Ease’.

Signature:

Date:

Name:

NIC:

Tel No: (Res):

(Office):

(Mobile):

Easy Pay Enjoy convenience at its best with your Standard Chartered Credit Card with ‘Easy Pay’.

How it works With ‘Easy Pay’, you can enjoy the flexibility of selecting to repay your Banquet and Medical trasactions in equal monthly installments at preferantial rates. Simply call the Bank within 48 hours of performing the transaction and state your requirement.

Key features • Minimum transaction value: LKR 25,000 • Maximum transaction value: Available Credit limit on your Credit Card • Repayment: Select to repay the transaction in equal monthly instalments with a one off processing fee. Available tenors will be 3, 6, 12 and 24 and the applicable one off processing fee will be 4%, 5.75%, 10.50% and 17.50% respectively. Illustration: For a LKR 25,000 transaction, Tenor Monthly instalment (In LKR)

03

06

12

24

8,333

4,167

2,083

1,024

2,625 4,375 One off processing fee 1,000 1,438 (In LKR) (4%) (5.75%) (10.5%) (17.5%) Monthly interest (In %)

0%

0%

0%

0%

Partner merchant establishments • • • • • • • • •

Hilton Colombo Cinnamon Grand Colombo Cinnamon Lakeside Colombo Galadari Hotel Galle Face Hotel Mount Lavinia Hotel Ceylon Continental Ramada Waters Edge

• • • • • • • • •

Lanka Hospitals Durdans Hospital Nawaloka Hospital Oasis Hospital Ninewells Hemas Hospital Aasiri Surgical/Hospital Joseph Fraser Singapore General Hospital

Safety net Safety net is an invaluable insurance benefit covering your Credit Card outstanding balance for a very nominal monthly premium. In the event of permanent total disability or natural / accidental death, the outstanding balance on your Credit Card account will be covered by the partner insurer up to LKR 2 Million.

Smart Wallet Enjoy the benefits of a unique insurance plan which safeguards you against fraudulent usage of your Credit Card in case of loss of your wallet. Wherever in the world you may be, this scheme covers loss of documents – National ID Card / Driving License / Passport, loss of cash at ATM, loss of SIM / keys and even medical expenses in the event of an injury sustained due to an ATM hold-up.

e-statement Help save trees and keep the world greener by choosing to sign up for e-statements. Have your statements sent to your personal email address. You will no longer receive hardcopy statements once registered for e-statements.

SMS Banking SMS Banking is a safe secure and convenient way to access your account information instantly at any time anywhere. This service will also enable you to receive notifications on your account activity and reminders for when Credit Card payments are due. You will also be entitled to a wide range of other value added services.

Pay-by-phone No more queues. No more wasted time. You can just pick up the phone and pay all your routine bills. Even transfer funds and remit money. Just call +94 11 2480444 and our dedicated team of phone bankers will always be at your service to personally take care of all your banking needs.

i-banking You can view the Credit Card statement, determine the minimum amount due, request for a credit limit increase and even make an online card payment. You also can check on your transaction history, view prior statements, update your contact details, make Card payments, increase your Card limit, view status of Card application and make utility payments.

0% Installment Plan / Easy Settlement Plan Enjoy convenience at its best with your Standard Chartered Credit Card.

How it works Simply visit any of our partner outlets and purchase goods with your Credit Card and enjoy settling the bill in equal Installments.

Our 0% / Easy Settlement Partner Outlets ELECTRONIC & HOME APPLIANCES Merchant

Abans Elite / Retail Gillbert & Co (Pvt) Ltd Petco Lanka Car Audio Singhagiri ** Dinapala ** Mike Audio (Pvt) Ltd ** Mitsu Holdings ** Samsung Flagship Store ** Siedles ** Singer PLC ** Softlogic Lifestyle Electronics ** Softlogic Max ** Thilakawardhana Super Centre ** Yamaha Music Centre

Location

Contact Available Tenures Number

All Showrooms 2565265-79 Colombo 02 2314901 All Showrooms 0777760000 All Showrooms 5413413 All Showrooms 4411665 Colombo 07 2595608-9 Colombo 06 2055520 Colombo 04 5660011 All Showrooms 2697952 All Showrooms 5400400 All Showrooms 5575000 All Showrooms 0772642900 All Showrooms 5737345 Colombo 07 2595608-9

3,6,9,12,18,24,36 3,6,9,12 3,6,9,12,18,24,36 3,6,9,12,18,24 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6,9,12,18,24,36

FURNITURE & INTERIORS Merchant

Damro H Don Carolis & Sons T Suriyarachchi & Sons ** Arpico Furniture ** Craft Supplies ** Leema Interior ** Royal Furnishers ** Singer Homes ** Softlogic Furniture

Location

All Showrooms All Showrooms All Showrooms All Showrooms All Showrooms All Showrooms All Showrooms All Showrooms Colombo 05

Contact Available Tenures Number 2553838 2325767 2931065 4206011-3 2689315 071680511 2933936 5400400 5575010

3,6,9,12 3,6,9,12 3,6,9,12,18,24,36 3,6,9,12,18,24 3,6,9,12,18,24 3,6,9,12 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6,9,12,18,24

GEM & JEWELLERY Merchant

Location

Contact Available Tenures Number

Colombo Jewellery Stores All Showrooms 2597584 ** Abdeen Jewellery Colombo 03 2553073 ** Chamathka Jewellers All Showrooms 0779660433 ** Diamond Dreams Colombo 04 2501717 ** Fior Drissage Jewellers Ltd Seeduwa 2251670 ** Mallika Hemachandra Jewellers All Showrooms 2688531 ** Raja Jewellers Colombo 04 2583223

3,6,9,12,18,24 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6 3,6,9,12,18,24 3,6,9,12,18,24,36 3,6,9,12,18,24,36

COMPUTERS & ACCESSORIES Merchant

** Barclays Trading ** Futureworld Lanka (Pvt) Ltd ** Metropolitan “M” Centre ** Redline Technologies ** Softlogic Information ** Tabz ** Tech Information Solutions

Location

All Showrooms All Showrooms All Showrooms Colombo 04 All Showrooms Colombo 05 All Showrooms

Contact Available Tenures Number 2595509 2590361 4610162 2555262 5575000 5500505 2553781

3,6,9,12 3,6,9,12,18,24,36 3,6,9,12,18,24 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6,9,12,18,24,36

MOBILE PHONES & ACCESSORIES Merchant

Abans Office Automation ** Cell City Lanka ** Celltronics (Pvt) Ltd ** Dialog ** Etisalat Lanka (Pvt) Ltd ** Metropolitan Telecom Services

Location

Contact Available Tenures Number

All Showrooms 2376000 All Showrooms 0777415416 All Showrooms 0777489289 All Showrooms 0777678678 All Showrooms 2541541 Colombo 04 4512596

3,6,9,12,18,24 3,6,9,12 3,6,9,12,18,24,36 3,6,9,12 3,6,9,12 3,6,9,12

** Mobitel ** Softlogic Communication ** Softlogic International ** Vayu

All Showrooms All Showrooms All Showrooms Colombo 05

2330550 5575000 5575000 5330033

3,6,9,12 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6,9,12,18,24,36

TRAVEL & LEISURE Merchant

Location

Contact Available Tenures Number

** Browns Tours (Pvt) Ltd Colombo 05 2555602-3 ** Gabo Travels Colombo 03 2502310 ** Mackinnons American Express TravelColombo 01 2318600 ** Shums & Sons Travels Colombo 03 2599253 ** Softlogic Destination Management Colombo 03 5266277

3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6,9,12,18,24,36

MISCELLANEOUS Merchant

Location

Contact Available Tenures Number

Hameedia Stores (Pvt) Ltd All Showrooms 5343434 ** Bosh Automotives Components Colombo 14 2449797 ** Ceylinco Healthcare Services Ltd Colombo 02 2490290 ** CIMA Colombo 05 2503880 ** City Cycle Stores All Showrooms 0771088544 ** New Kandy Tyre House (Gearup) All Showrooms 2007777 ** Quantum Tele Shopping All Showrooms 2305503 ** Sulaiman’s Hospital Colombo 14 7290270 ** The Brands Boutique (Pvt) Ltd Colombo 03 2375367 ** VLCC Healthcare Lanka All Showrooms 2674174

3,6,9,12 3,6,9,12,18,24,36 3,6,9,12,18,24,36 3,6 3,6,9,12 3,6,9,12 3,6,9,12 3,6,9,12,18,24,36 3,6 3,6

** Products are available under the Easy Settlement Plan and a nominal handling fee will be applicable.

‘General’ Terms and Conditions 1. The benefits will be applicable to Standard Chartered Credit Cardholders - Credit Cards issued by Standard Chartered Bank, Sri Lanka. 2. The Bank reserves the right at any time, without previous notice, to the Credit Cardholder to add, modify, alter, change or vary all or any terms and conditions, or to replace wholly or in part this scheme by another scheme, whether similar to this scheme or not, or to withdraw it altogether. 3. This offer is bound by the terms and conditions of the respective merchant establishments. 4. Participants will not hold Standard Chartered Bank responsible for or liable for any actions, claims, demands, losses, damages, costs, charge which a participant might suffer, sustain, or incur under this scheme. 5. Nothing contained herein shall prejudice or affect the terms contained in the Bank’s Cardholder Agreement.

CB/CARDS/FE/BROC/2013/04/1

or visit www.standardchartered.com.lk