Manulife Standard Chartered Card
TERMS & CONDITIONS

General Card Terms

1. These terms and conditions apply only to Manulife Standard Chartered Platinum credit cardholders ("Cardholders"). 2. Unless otherwise stated in the application form of a Manulife Standard Chartered Platinum credit card ("Card"), an annual fee of PhP2,750 per principal card and Php1,375 per supplementary Card shall be charged to the Cardholder's account. Standard Chartered Bank ("Bank") reserves the right to modify the annual fee upon proper written notice to the Cardholder. 3. By signing the Card application form, or otherwise signing on or using the Card, the Cardholder expressly agrees to all Terms and Conditions herein ("Terms") and acknowledges that the Bank's determination of eligibility to, and computation of, Cardholder entitlement to Cash Rewards is final and binding. 4. The Bank may amend or modify any of these Terms upon proper written notice to the Cardholder. 5. Unless manifestly inconsistent with these Terms (in which event these Terms shall prevail), the terms and conditions governing Standard Chartered Bank credit cards shall likewise apply to the Cards

Standard Chartered Manulife Rewards Terms and Conditions

1. Definitions

a. "Manulife Rewards Program" refers to the loyalty program extended to Cardholders. b. "Cash Rewards" means cash-convertible points earned by Cardholders based on Eligible Transactions made on their Card, subject to the conditions herein. Each Cash Rewards point is equivalent to Php1.00. c. "Account" means the Cardholder’s Card account with the Bank. d. "Supplementary Cardholder" means the person to whom an additional Card is issued upon instructions of the Cardholder in respect of the Cardholder’s Account. However, it shall be expressly understood herein that the Bank only recognizes the Cardholder as the one with a relationship with the Bank and is the one primarily bound by the Terms and Conditions herein. e. "Autopay Facility" refers to Manulife’s automated payment facility wherein a Manulife policyholder enrolls his/her insurance policies for periodic settlement of premiums through his/her credit card. f. "EZ Bills" refers to the Bank’s automated payment facility wherein the Cardholder enrolls customer accounts for periodic settlement of utility bills/charges/statements of account through his/her Standard Chartered Bank credit card. g. "Acquiring Bank" means the bank providing the MasterCard credit card terminal to the relevant establishment. Standard Chartered Bank is not an acquiring bank. h. "Merchant Category" means the classification of each merchant establishment by the acquiring bank based on the nature of merchant’s business, using definitions given by Visa in its Merchant Data Standards Manual. The Acquiring Bank assigns a specific Merchant Category Code to each establishment. i. "Eligible Transaction" means any retail, non-installment transaction successfully charged to the Card; provided the same is not disputed, requested for reversal, nor determined to have been erroneously or fraudulently completed, as determined by the Bank.

2. Eligibility and Participation

a. Manulife Rewards Program is open to all Cardholders of good standing as determined by the Bank, including Cardholders of newly issued and activated Cards. b. The Bank reserves the right to temporarily or permanently disqualify any Cardholder from participation in the Manulife Rewards Program if, in the Bank’s judgment, that Cardholder has violated any of the Terms or any of the terms and conditions governing the issuance and use of Standard Chartered Bank credit cards. Disqualification may result in both cancellation of Cardholder’s right to privileges of the Manulife Rewards Program and the forfeiture of all earned and accumulated Cash Rewards. c. Any determination by the Bank of fraud or improper use attendant or incidental to a transaction or other use of the Card, or relating to the earning or redemption of Cash Rewards , may result in forfeiture of accumulated Cash Rewards as well as cancellation of the Cardholder’s credit cards. d. All questions or disputes regarding eligibility for, or redemption of, Cash Rewards shall be resolved by the Bank at its sole discretion.

3. Accumulation of Cash Rewards

a. Cardholders shall earn 0.3% Cash Rewards for all completed Eligible Transactions. b. In addition to the 0.3% Cash Rewards, principal Cardholders shall earn further Cash Rewards for the following transactions: i. 2.7% Cash Rewards for all completed Eligible Transactions of up to Php15,000 per month made at department stores, restaurants, fast food restaurants, bars/taverns/lounges/discos. These are merchants with Merchant Category codes 5311, 5812, 5813, 5814. ii. 0.7% Cash Rewards for all Manulife account charges paid through EZ Bills or Autopay Facility. c. The transactions exceeding the Php15,000 monthly limit in Clause b(i) shall earn the 0.3% Cash Rewards in Clause a. d. Earning of Cash Rewards shall be on a per transaction basis and shall be rounded off to the nearest peso, excluding decimal values. e. Transactions not eligible for Cash Rewards include but are not limited to, installment, balance transfer, cash advance, cash advance fee, overlimit fee, card replacement fee, sales retrieval fee, annual membership fee, finance charges, late payment charges, interest charges, and government charges. f. Cash Rewards earned on the principal and all supplementary Cards shall be consolidated. The accumulated Cash Rewards shall be indicated on the principal Cardholder’s monthly billing statement while the Card account remains open and current. g. Existing Standard Chartered Bank cardholders who avail of the Card as an add-on card shall be eligible for the respective distinct rewards programs corresponding to the card type owned. h. Existing Standard Chartered Bank cardholders who convert their existing cards to a Card may request conversion of their outstanding Bonus Points or cash rebates to Cash Rewards at the applicable conversion rate. i. Cash Rewards shall expire at the end of every 24th month from the corresponding approval or renewal month of the Card. At the end of each 24th month, the Cardholder’s total Cash Rewards regardless of date it was earned shall be reset to zero. j. The Bank may make proper adjustments to Cash Rewards earned without need of prior notice or consent of the Cardholder in the event of any improper credit(s) to the Account, including but not limited to those arising from returned purchases, charged back transactions and disputed or unauthorized/fraudulent transactions. k. The Bank may amend, modify, or eliminate the earning of Cash Rewards on the Card upon proper notice to the Cardholder.

4. Cash Rewards Redemption

a. Only principal Cardholders whose Accounts are active, valid and in good standing, as determined by the Bank, shall be eligible to redeem their Cash Rewards. b. Cardholders may redeem their accumulated Cash Rewards, subject to a minimum redemption amount of Php500. c. Only the Cardholder’s accumulated Cash Rewards reflected in the Bank’s system may be redeemed by the Cardholder. Cardholders may call the bank’s Contact Centre at 830-1111 to inquire about his/her earned Cash Rewards. d. To redeem Cash Rewards as cash credits, Cardholder shall call the Bank’s Contact Centre at 830-1111, subject to the minimum redemption amount. e. Redeemed Cash Rewards shall be credited to the Cardholder’s Account as cash credits on the next billing statement. f. Cash Rewards are not eligible for redemption after closure of an Account, whether voluntary or involuntary. However, a Cardholder voluntarily cancelling a Card may at the Bank’s absolute discretion be allowed to redeem available Cash Rewards as cash credits on its final outstanding amount due after the closure, subject to the minimum redemption amount of Php500 and other applicable terms and conditions necessary. Any remaining unredeemed Cash Rewards after closure of an Account shall be forfeited in favor of the Bank. g. Cardholders who voluntarily cancel their Cards, but choose to retain another Standard Chartered credit card may convert their earned Cash Rewards to Bonus Points, Platinum Cash Rewards or Nokia Cash Rewards, subject to the minimum redemption amount of Php500, applicable conversion rate and other terms and conditions necessary. h. Cash Rewards are non-transferable and may not be converted to cash. i. Once a valid redemption request has been made, a Cardholder may not cancel, revoke or modify the request. A redemption request is considered to have been validly made upon completion of the call to the Bank’s Contact Centre formally requesting for such conversion.