Exclusive Benefits

Rewards Programme
You will be automatically enrolled into the programme as a Standard Chartered Credit Card holder and can enjoy more value on your daily purchases, shopping and even utility bill payments.

Points on every purchase
You will earn 1.5 reward points on every purchase worth kES100 on your Standard Chartered Credit Card. Even purchases on your supplementary Credit Card will earn you Reward points. The more you spend on your Credit Card the more Reward points you accumulate.

Fabulous gifts await you
Reward points can be redeemed for a wide range of exciting gifts featured in the catalogue. Points expire every three years and can be redeemed for gift vouchers while your Credit Card is valid. You need to accumulate a minimum of 5,000 points to redeem it for gifts for the first time.

Easy Redemption of Reward points
You can fill in the redemption form from the catalogue and send to us to claim your gift voucher. Immediately on receipt of your redemption form we will verify and process the request. Post verification we will send you a redemption voucher/letter which will entitle you to collect your gift from the selected outlets.

The faster way to gifts
The programme offers you an ‘Express Lane’ option to collect gifts faster with lower number of points. In this case you would need to pay an additional amount which will contribute to the shortfall of reward points. The amount will be debited to your Credit Card account and will reflect in the monthly statement along with points.
Reward Programme Terms and Conditions apply

Cash back
Every time you use your Standard Chartered Platinum Credit Card to pay for dining and fuel bills you will be rewarded with 5% Cash Back. So indulge and make more out of your spend. Make the Standard Chartered Platinum Credit Card your preferred method of payment.
The maximum Cash Back per Card account, per month per fuel and dining categories will be KES 250 respectively. Transactions eligible for Cash Back will not earn reward points.

Disclaimer:
Cash back is available on specific Merchant Category Codes for fuel stations. Fuel Stations are defined as retail establishments that sell petrol and diesel. The above definition of Fuel Stations is only indicative and coined for the purpose of explaining the offer. Identification of outlets as Fuel Stations is based on the Merchant Category Codes allotted by Visa & MasterCard. Standard Chartered Bank will not be responsible for providing Cash Back for purchases at outlets that have not registered themselves under Merchant Category Codes assigned for Fuel Stations by Visa and MasterCard. The categories of Cash Back (Fuel Stations) can be changed or withdrawn at any point of time. Any such change will be communicated to the Card holder through the monthly Card statement. The cash back earning Merchant Category Codes will not earn reward points.

Smart Travel Privileges Programme
With the Standard Chartered Platinum Credit Card's Smart Travel Privileges Programme; you can enjoy the advantages of the most sought after travel benefits in association with Carlson Wagonlit Travel.

Priority on special air fares and tour packages
The Smart travel privileges programme enables you to enjoy access and priority on special fares and tour packages when you make your travel arrangements with your Standard Chartered Platinum Credit Card at Carlson Wagonlit Travel.

Free airport transfers
The Smart travel privileges programme offers Standard Chartered Platinum Card holders the advantage of free Airport transfers in Nairobi when making travel bookings with Carlson Wagonlit Travel.

Free access to executive lounge at Jomo Kenyatta Airport
All platinum Card holders will get free access to the executive lounge per ticket provided the air tickets are purchased using the Standard Chartered Platinum Credit Card at Carlson Wagonlit Travel.

Free Travel Insurance
As a Standard Chartered Platinum Card holder, you enjoy free travel accident insurance up to USD8000.

Free travel inconvenience benefits
Platinum Card holders will get reimbursements for travel expenses caused by baggage loss or baggage delays, flight delays or cancellations (up to USD 1,500). This benefit also covers loss of passport during travel.

Free travel Consultancy
You can avail free travel consultancy services to schedule your holidays and to plan customized tour packages under expert supervision.
The above Smart Travel Privileges Programme for Standard Chartered Platinum Credit Card. For more details on travel insurance please refer to the travel insurance benefits details. The offers are given at the sole discretion of the Standard Chartered Bank Kenya Ltd and may be withdrawn, amended or replaced without notice. Standard Chartered Bank Kenya ltd is not liable in case of any dissatisfaction with regard to delivery, quality, service, e.t.c. in respect of the above offers.

Access to Hotel Club discounts

• Access to more than 60,000 hotels in 134 countries & territories.
• Extensive coverage, including 23,228 hotels in Europe, 24,618 hotels in The Americas, 9,730 hotels in Asia, Australia and New Zealand.
• Online booking through white-labeled website - www.hotelclub.com/vna/en/.
• Automatic discounts for payments made with Visa premium Cards.

Access to Visa luxury Hotel Collection
Your Platinum Card gives you access to over 700 properties that are evaluated annually and invited to join by Kiwi Collection. The properties include major luxury properties from Ritz, Carlton, Mandarin oriental, Four Seasons as well as many Boutique hotels. Visit www.visaplatinumhotels.com

30% off Green Fees
Visa platinum Credit Card holders will enjoy 30% discount green fees at 300 golf clubs world including 14 clubs in South Africa. For more details please visit www.visacemea.com/uv/promos/golf300.jsp. Offer valid until Dec 2012.

Free lost Card Cover
As a Standard Chartered Platinum Credit Card holder, you do not have to worry about loss or theft of your Credit Card. You are protected against abuse or misuse of your Platinum Credit Card for the first 24 hours; to the extent of a maximum limited liability of KES 200,000 for any one event and KES 400,000 per Card account per year. You would need to report loss or theft of the Card within 24 hours. To claim the insurance benefits of any misuse of the funds on your Card you need to produce a copy of the police affidavit/abstract.

Purchase Protection Extended Warranty Policy
At Standard Chartered we believe in peace of mind and offer you Purchase Protection cover against theft, damage or faulty operation for the first 90 days from date of purchase.
We offer you a Purchase Protection Extended Warranty against theft, damage or faulty operation up to USD1,500 per item, USD5,000 per incident and USD20,000 max per year. Registration is not necessary. The coverage doubles that of the original manufacturer's warranty period, up to twenty-four (24) months from the date the covered purchase was bought.
Terms and conditions apply. Refer to the detailed policy under terms and conditions.

Credit Life Insurance

• Designed in your interest
  Credit Life Insurance is a compulsory insurance programme to safeguard against setbacks brought about by a prolonged illness, injury or death. From as little as 80 Cents for every KES 1,000 of your Card balance, get peace-of-mind against life's uncertainties. The Credit Life Insurance charges will appear in your monthly Credit Card Statement under a separate heading 'Credit Life Insurance charge.
• Waiver of outstanding balances*
  In the unfortunate event of permanent disability or death, the entire outstanding balance amount on your Standard Chartered Platinum Credit Card account, including the balance amount on all your supplementary Credit Cards, will be waived off without causing any inconvenience to your loved ones.
• Easy to claim benefits
  Just call 329 3900 and we will guide you through the procedure and help you to complete all the necessary forms. We will ensure that you have total peace-of-mind and that is the powerful assurance brought to you by Credit Life Insurance.

Credit life terms and conditions apply.

For more information, please call 329 390

Card Features

Worldwide recognition and acceptance

Welcomed and honored in over 23 million establishments across more than 200 countries.

Easy Credit

• The power and flexibility to plan your payments.
• Interest-free Credit for up to 50 days. Statements are generated once a month & you can repay the outstanding balance within 20 days from the statement date. You pay absolutely no interest if you settle your bills in full before the payment due date (except for cash advances).
• Pay as little as the minimum amount due each month, and the balance at your convenience.
• There is an interest charge applicable to your Credit Card levied on your outstanding amount. Please refer to the schedule of charges as outlined in the latest 'Service & Price Guide'.

Instant cash advances

• Your Card allows cash advances from thousands of Visa/Plus ATMs worldwide, providing access to cash anywhere, anytime.
• You can also step into any of the branches of the banks around the world which are members of Visa International and obtain a cash advance over the counter.

Convenience at your fingertips

Our 24-hour Call Centre is available for your convenience. (329 3900)

Supplementary Cards for your immediate family

Enjoy the convenience of up to 5 Supplementary Cards for your immediate family members.

Free Lost Card Cover

Protection against abuse or misuse of your Platinum Credit Card for the first 24 hours, even before you report the loss or theft.

Chip Technology

Our Credit Cards utilize advanced chip technology which has internationally reduced Credit fraud.

Calculation of minimum amount due for Credit Cards

We are making changes to the minimum repayment amount required on Credit Cards. Under the new methodology for calculating the minimum amount due, the minimum amount due will include:

• Fees and charges.
• Interest in full (to avoid charging interest on interest).
• Over-limit amount (if any).
• Installment (if an installment loan has been set up on the Card).

Please note that this new minimum amount due computation will be effective from 1st June, 2012

An illustration of how the minimum amount due will be calculated is given below:

• If your current balance is less than KES 1,000, you will need to pay the balance in full.
• In case the current balance amount is more than or equal to KES 1,000, the minimum amount due will be equivalent to KES 1,000 or 1% of your principal balance amount of your statement balance, whichever is higher plus fees and charges (if applicable) as mentioned below .
• In addition to the above stated amount, the following fees and charges (all or those as applicable) will also be a part of the minimum payment amount:
• Installment (if an installment loan has been set up on the Card).
• Joining fee
• Annual fee
• Supplementary annual fee
• Interest charges
• Late payment fee
• Over-limit fee
• Credit life insurance premium
• Any amount used over and above the Credit limit of the Credit Card
• Amount of the unpaid/outstanding minimum payment amount due in the previous month(s)
• Fixed monthly installment (if you are subscribed to an installment plan)

Your important questions answered

1.	When will this change occur?
	This change will be effective from the 1st of June 2012
2.	How does this new calculation of the minimum amount due work and how does it impact me?
	Below are different scenarios illustrating the revised minimum amount due payment mechanisms for your reference and better understanding: Example 1 - if you always make a full payment Supposing you have an outstanding balance of KES 200,000 in June on your Credit Card and you pay the outstanding balance in full before the due date, then you will not be levied with any interest charges or any late payment fee. Your minimum amount due will be : 1% of KES 200,000 = KES 2,000 Note: If You choose to pay the minimum amount due as illustrated above and not the full outstanding balance, then an interest charge will be levied to the June statement balance and new purchases until the entire amount is fully settled. Example 2 - if 1% of your principal balance is less than KES 1000, Supposing you have an outstanding balance of KES 90,000 in June on your Credit Card. You also pay the outstanding dues in full before the due date. The following is your minimum amount due: Since KES 900 (1% of KES 90,000) is lower than KES 1000, the minimum amount due payable will be KES 1000. Note: If You choose to pay the minimum amount due as illustrated above and not the full outstanding balance, then an interest charge will be levied to the June statement balance and new purchases until the entire amount is fully settled. Example 3 - if interest charges are levied on your Credit Card Supposing you have an outstanding balance of KES 300,000 in June on the Credit Card and it is levied with KES 9,000 in interest charges on your outstanding balance. Your new statement balance is KES 309,000 and your minimum amount due will be calculated as follows: KES 3000 (1% of KES 300,000) + KES 9,000 (100% of financial charges) = KES 12,000 or KES 1,000 Your minimum amount due will be KES 12,000 which is the greater of the two above. Should you elect to pay the full outstanding amount there will be no interest charge levied on the July statement NB:All cash advance related transactions do not enjoy interest free period .Interest is charged from date of withdrawal until full settlement of the cash transaction made. Example 4 - if you are charged with annual Fee, interest charges and late payment fee: Supposing you have an outstanding balance of KES 200,000 in June on the Credit Card. You make the payment of the outstanding balance a week late and pay less than the total amount due. You will therefore, be levied with interest charges of KES 7000 and a late payment Fee of KES 1,500 (as the previous month’s payment was not on time). In addition to this you will be charged with an annual fee of KES 6000.Your new statement balance is KES 214,500 and your minimum amount due will be calculated as follows: KES 2000 (1% of KES 200,000) + KES 14,500 (100% of all charges and interest) = KES 16,500 or KES 1,000 Your minimum amount due will be KES 16,500 which is the greater of the two above. Your minimum amount due will be KES 16,500 which is the greater of the two above. Should you elect to pay the full outstanding amount there will be no interest charge levied on the July statement. NB: All cash advance related transactions do not enjoy interest free period .Interest is charged from date of withdrawal until full settlement of the cash transaction made.
3.	Will this change increase my minimum payment?
	The revised minimum amount due calculation is based on the greater of 1% of the principal balance + all fees and charges or KES 1,000. Therefore, this change may in certain cases result in an increase in the minimum monthly payment. However, whether the minimum amount due payment increases, decreases or stays the same is entirely dependent on your Credit Card utilization and the timeframe within which you pay your outstanding dues.
4.	How does this change impact me?
	This revision in the calculation of the minimum amount due will only impact you if you only pay the minimum amount due each month. However, if you usually make full payments on your outstanding balances, or make payments higher than the minimum amount due as stated on your monthly statements, this revision will most likely not affect you.
5.	What if I require more information about this new minimum amount due calculation method?
	If you require any information about the new method of calculating the minimum amount due, please feel free to call our 24 Hour Call Centre at 329 3900