Free Gold for Life Terms and Conditions:

Standard Chartered Bank offers you the rare opportunity to own a Standard Chartered Bank Gold Credit Card with a perpetual waiver on annual fees. Now, there’s no need to be bothered by annual fees each year, so you get to enjoy the finer things in life with no hassle! You can qualify for this great deal for a minimum annual expenditure on your primary and supplementary cards.

1. The annual fee of the principal cardholder will be waived provided they have an accumulated card spend of P90,000 before their next anniversary period.

2. The annual fee of each supplementary cardholder will be waived provided they have an accumulated card spend of P20,000 each, before their next anniversary period.

3. Anniversary period is defined as the month the card was originally approved.

4. Spends that are qualified in this promo are retail charges, cash advance, EZBills monthly charges, and billed installment amortizations – including EZPay Installment, EZPay Anything, and Balance Transfer which are reflected on the Statement of Account on or before the next anniversary period.

5. Penalty fees, interest charges, and transactions under dispute/investigation are not included in the accumulated spends amount.

6. Any amount that is over the accumulated spend requirement cannot be carried over to the following year.

7. Accumulated spends will be computed on a per card basis. The cardholder is not allowed to combine spends from their other card in case they have more than one Standard Chartered Bank Gold Card.

8. If the cardholder does not meet the accumulated spend requirement within the required period, the principal account and supplementary account (if any) will be billed an annual fee.

9. The cardholder cannot avail of the waived annual fee offer in case their account is 30 days past due, or more, at time of the account's anniversary period.

10. Sun Life – Standard Chartered Bank Visa and MasterCard co-brand cards are not eligible for this offer.

11. Cancellation of the Primary SCB Gold card for any reason will mean forfeiture of the free annual fee offer for the primary card and all its supplementary cards.

12. Card replacements due to damage, loss, or expired card will not be considered as a card cancellation. Standard Chartered Bank Gold Cardholders who replace their cards for these reasons will still be eligible for the free annual fee offer.

13. Should the client choose to reapply for a Standard Chartered Bank Gold Card, he/she will be subject to standard annual fee rates. However, if at the time of cancellation, the customer maintains other active primary card/s which were approved for this promo, the free annual fee offer will still be available to these active accounts.