Loan against securities

Offer Terms and Conditions

Wealth & Insurance Services offer

• Offer valid on mutual fund transactions for clients who enrol for Investment Services between Feb 18, 2016 and May 31, 2016
• Waiver of fees would be applicable to mutual fund transactions executed through us until May 31, 2016
• 
  Standard Chartered Bank is a distributor of mutual funds and referrer of third party financial products and does not provide Investment Advice’ as defined in the SEBI (Investment Advisers) Regulations, 2013 or otherwise. Investments are subject to market risks. Please read the offer documents carefully before investing.
• Standard Chartered Bank is a licensed Corporate Agent of ICICI Prudential Life Insurance Company Limited (IRDA registration no. 105) for life insurance products, Royal Sundaram Alliance Insurance Company Limited for general insurance products and Max Bupa Health Insurance Company Limited (IRDA Registration no. 145) for standalone health insurance products vide composite license number 1096736. Insurance is the subject matter of solicitation.

Home Loan Cash Back Offer

The customer understands and consents to the following:

• The loan shall be processed under EMI cash-back scheme at the sole discretion of the Bank and subject to terms and conditions that may be prescribed by the Bank time to time.
• The cash-back is only on Home loans where the Home Loan EMI is debited from my Standard Chartered Savings Account.
• In order to be eligible for the cash-back, all the Home Loan EMIs have to be debited from the Standard Chartered Savings Account for the period of calculation of cash-back.
• The cash-back will be calculated as per the grid given below:
• Tenor of the Home loan Cash-back as a % of EMI
  • 0 – 60 months 0.5%
  • 61 – 120 months 1.0%
  • 121 months & beyond 2.0%
• Customer will be eligible for first cash-back only after completion of the first 36 months.
• Post that the cash-back will be credited every 12 months for the preceding 12 months as per the grid given above.
• The cash-back will be credited into the Standard Chartered Savings Account within 2 months of the completion of the cash-back period.
• Customer will be eligible for the cash-back only if there is no single instance of EMI bounce or of default or delay in payment of EMI for whatsoever reason during the entire tenure of the loan. In case of a default or bounce for whatsoever reason, the cash back will be revoked for the entire remaining tenure of the loan.
• Part payments will not be considered as part of the cash-back calculation.
• The cash-back facility will cease if the loan is closed prior to 36 months. Post 36 months, cash-back will be applicable only if the loan has been active for entire 12 months prior to cash-back calculation.
• This Cash-back benefit cannot be clubbed with any other offer. The said offer is non-transferable, non-binding, non-encashable and non-negotiable.
• The Savings Account from which the EMI is debited is a zero balance facility as per the terms and conditions mentioned in my Savings Account MID. All other Savings Accounts and Home Loans fees and charges will apply. In case, a customer  uses a pre-existing Savings account for debiting the EMI of his/her Home Loan, I understand that there will be no change in the AQB and other charges that are applicable on the savings account
• Standard Chartered Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or amend all of these terms and conditions or to replace, wholly or in part, this Cash-back offer by another offer, whether similar to this offer or not, or to extend or withdraw it altogether.
• The customer’s  Savings Account from which the EMI will be debited will be opened post the sanction of the loan. Once the savings account will be opened, the home loan will be disbursed.

Visa Infinite ATM-cum-Debit Card offer

• Reward Points
• - Earn 2 Reward Points on every ₹ 100 spent
• - Maximum number of Reward Points per year is 50,000
• - Each Reward Point is redeemable for a cash credit at the rate of 1 point = ₹ 1
• Unlimited free cash withdrawals at any ATM across the globe
• - Overseas cash withdrawal charges on Visa Infinite ATM-cum-Debit card are waived

Visa Infinite Credit Card offer

• 12,000 Bonus Points for:
• - Spends over ₹ 10,000 a month for the first three months
• - Bill payment of the outstanding balance to be made through a Standard Chartered Bank account

A range of unique benefits valued at over ₹ 100,000 per annum

Benefits	Details	Value(₹)
Visa Infinite Debit Card	2 reward point on every Rs. 100 Debit Card spends – assuming an average spend of ₹ 20,000 a month*	4,800
Visa Infinite Credit Card	Annual Fees waived 10,000 5X Reward points on on every Rs. 100 of foreign spends, assuming ₹ 1,50,000/*- spent P.A 3,375 5X Reward points on every Rs. 100 spends on retail fashion outlets, assuming Rs. 1,20,000/*- spent P.A 2,700 2x Reward Points on every Rs. 100 on other spends assuming Rs.10,000/-* spent every month 1,080 Complimentary Priority Pass(access to 850 International Participating airport lounge) Issued to the Primary credit card holder of Visa Infinite. Card valued @ US$ 99 6,500 complimentary 4 Lounge access every quarter through Priority pass ( Assuming only 2 international Priority Pass usage every year charged at $27, free for qualified customer ^^) 3,456 complimentary 2 games including 1 game along with a guest per month valuing at ₹ 4500 per game per person, at 15 golf courses in India (Assuming only 1 game with guest once in a quarter) 36,000
Common Benefit on Visa Infinite Debit & Credit Card	4 lounge visits per quarter at an average of ₹ 1,600/-* per visit at participating Airport Lounge in India (Assuming usage of 2 per quarter) Surcharge waiver of 2.5% on Visa Infinite card petrol spend of ₹10,000/-* p.m.	4,800
Complimentary banking services	Free cheque/cash pick-up and delivery (Assuming usage of 2 services each @ ₹ 200 and ₹ 100 respectively p.m.)* No charge for ATM usage abroad (charged at ₹ 140 per transaction assuming usage of 8 transactions p.a.* ) 50% discount on annual locker fees – assuming fee of ₹ 17,000 p. a.^^	4,800
Total benefits valued at		100,531
The above example is for illustrative purposes only. *Terms and conditions apply

General Terms & Conditions of eligibility to the Priority Banking relationship program.

• Priority Banking is a relationship program offered by Standard Chartered Bank where the bank extends certain special privileges, offers and products to its members, which are modified from time to time. A full list of all such privileges, offers and products can be obtained from the Bank
• Your immediate family members can also be admitted to the Priority Banking relationship programme. The admission of your family members to Priority Banking membership is subject to your family members holding eligible accounts with us and you notifying us of their accounts ("Family account"). We may end your family members’ Priority Banking membership at any time and will notify you.
• A monthly maintenance fee of ₹ 800/- and taxes as applicable, or such other amount ("Program Maintenance Fee")as the Bank shall decide in its sole discretion, shall be charged by the Bank every month and such Program Maintenance Fee shall be payable by you in the event you do not meet our eligibility criteria, mentioned below:
  • Monthly average FUM (Funds Under Management) of a minimum of ₹ 2,000,000 or any such minimum average balance fixed by the Bank from time to time. The FUM includes the following products of the Bank: Savings Bank Accounts, Term Deposits, Investments made through the Bank or
  • Payroll Account with a monthly minimum credit of ₹ 200,000 or
  • Mortgage Approved Loan of a minimum of ₹ 10,000,000 or
  • Mortgage approved loan for customers with declared income of a minimum of ₹ 2,400,000 per annum


• The Bank shall be entitled to automatically debit such Program Maintenance Fee from any of your family accounts when the Program Maintenance Fee becomes due and payable.
• Priority Banking Membership shall be valid for one year from the date of joining and subject to renewal every year at the Bank's sole discretion. The continuation of Priority Banking services is at the sole discretion of Standard Chartered Bank.
• Priority Banking services are available in select cities in India and are extended to customers meeting the Priority Banking eligibility criteria decided by the bank from time to time. The Priority Banking eligibility criteria is mentioned on the Most Important Document (MID) which is part of the Priority Banking relationship opening requirements.
• This document articulates terms and conditions specific to an advertising campaign being conducted by Standard Chartered Bank. For detailed product features, offer and terms and conditions related to products and services of Standard Chartered Bank please visit www.sc.com/in

Terms and Conditions

Eligibility Criteria for the offer

• Applicable for only Priority Clients opening a Saving Account with Standard Chartered Bank, India;
• 3 Online Net Banking transaction through Standard Chartered online banking at www.sc.com/in/ within 3 months from the date of account opening for the new account holder

Process of redemption

• Once eligible through the criteria mentioned above, Standard Chartered Bank will issue an E-Holiday Voucher on your registered Email ID with Standard Chartered Bank within 45 days of becoming eligible
• Go to clubmahindra.com and register using the unique coupon number mentioned in the E-Holiday Voucher within 45 days from the receipt of the voucher
• You will receive a unique registration number via email\SMS, post registration
• Visit clubmahindra.com and redeem Holiday voucher using the unique registration number. You can also check the availability of different resorts and book your desired holiday using the unique registration number within 6 months from the date of registration
• You can know the list of resorts by visiting clubmahindra.com or the same will also mentioned in the Electronic Holiday Voucher

General Terms & Conditions

• Standard Chartered Bank will only issue the said voucher on behalf of Club Mahindra, however all the terms and conditions and service queries related to booking / redemption/ experiencing the holiday and any complaints and grievances will be addressed by Club Mahindra. The Club Mahindra help line numbers will be mentioned on the E-Holiday Voucher
• Offer Period: The offer Period shall commence from 00:01 hours on 15 August, 2015 and shall extend up to 11:59 hours on 30 June, 2016
• Eligible clients can get the Electronic Holiday Voucher only once during the offer Period
• The Electronic Holiday Voucher has to be utilized before the expiry period mentioned on the voucher
• The Bank reserves the right to modify / change all or any of the terms applicable to this offer. The Bank also reserves the right to modify, withdraw or discontinue the offer without assigning any reasons whatsoever. Neither anything contained in these terms and conditions, nor shall running this offer be construed as an obligation on the Bank to continue the offer up to the termination/expiry date
• Participation in this offer is entirely voluntary and it is agreed and understood by the participants that participation shall be deemed to have been made on a voluntary basis
• The offer is non-transferable
• The offer shall not be available wherever it is prohibited under law and / or cannot be made for any reason whatsoever
• All disputes under this offer are subject to the exclusive jurisdiction of the competent courts / tribunals of Mumbai
• The Bank shall not be obliged to make any public announcements of the results of the offer. The eligible clients shall be intimated by the Bank through Email and/or SMS
• By participating in the offer, the participants agree to be bound by the terms and conditions contained herein
• Any tax or other liabilities or charges payable to the government or any other statutory authority/body or any participating establishment, which may arise or accrue to the eligible clients due to provision of the offer, shall be to the sole account of the eligible clients

Terms and Conditions of Club Mahindra

• The complimentary E-Holiday Voucher is valid in the following resort locations: Baiguney, Binsar-Valley, Binsar-Villa, Cherai Coorg, Corbett, Dharamshala, Gangtok, Gir, Goa-Emerald Palms, Jaisalmar, Kanatal, Kandhaghat, Kumbhalgarh,Manali, Mashobra(Shimla), Munnar, Mussoorie, Naukuchiatal, Nawalgarh, Ooty,Pondicherry, Poovar, Thekkady, Udaipur, Virajpet & Yercaud
• Mahindra Holidays reserves its right to add to or remove any Resort/s from the above list at its sole discretion. An updated List shall be displayed at the holiday voucher redemption page (giftvoucher.clubmahindra.com/gvredeem). The enumeration of any Resort in the above list does not guarantee a booking against requisition
• This complimentary holiday can be availed only in the following periods 29 January - 31 March, 2 July – 13 August, 18 August - 30 September, 6 October - 13 October, 25 October - 7 November & 15 November - 15 December
• Availability of Resort & Apartment is subject to change from time to time and can be confirmed basis real-time online availability as and when the voucher holder, login for the purposes of the seeking Booking
• Accommodation will be provided free of cost basis apartment category reserved only to the number of individual as permissible and provided for in the given apartment category no further accompanying guests shall be allowed. All other costs, including but not limited to cost of travel, meals, taxes (including luxury tax where applicable) and cost of using various services and facilities at the participating resorts, will have to be borne by the bearer of the Holiday Voucher
• The Booking should be confirmed within the validity period
• Room availability is on ‘First Come – First Serve’ basis
• Mahindra Holidays shall provide alternate accommodation, if for some reason, it is unable to provide holiday after issuance of confirmation voucher in the allotted resort
• An Electronic Confirmation Voucher (e-CV) would be sent to Voucher Holder’s email address registered with MHRIL within an hour from the time of booking. Voucher Holder can also print the Electronic Confirmation Voucher (e-CV) by providing his/her registration number and email address registered in our website
• To honour reservation, Voucher Holder to carry the Confirmation Voucher with a valid government photo identity proof at the time of checking at the resort
• This Holiday voucher is non-transferable and valid for only one Confirmation Voucher (CV).Holidays once confirmed cannot be cancelled or deferred or gifted
• The stay under Holiday Voucher is only applicable for non-members and it cannot be clubbed with any other GV/Offer/Facility/Right
• Allocation of dates is completely under the discretion of the company
• The voucher Holder shall not be charged any further taxes and levies in the form of luxury tax, service tax or any other tax for utilization of accommodation by way of redemption of the e-voucher

Terms and Conditions

Visa Infinite Credit Card offer

• 12,000 Bonus Points for:
• - Spends over ₹ 10,000 a month for the first three months
• - Bill payment of the outstanding balance to be made through a Standard Chartered Bank account

Terms and Conditions of the Offer - Activation of Standard Chartered debit card issued to Priority Clients.

The Offer

Get a Kindle paperwhite device on activation of your Standard Chartered debit card (the Card) by undertaking a minimum 3 transactions to purchase goods and services aggregating to ` 20,000/ (Rupees Twenty Thousand only) between 1st Feb 2017 and 30th Apr 2017 (Offer Period) on the Card.

Eligibility Criteria to qualify for the Offer

• Cardholder has to sign and submit the consent form to Standard Chartered Bank between 1st Feb 2017 and 31st Mar 2017 (Both dates inclusive). Please contact your relationship manager for submission of the consent form.
• The Card has to be used to purchase goods and services by undertaking minimum 3 transactions aggregating to ` 20,000/- (Twenty Thousand only) during the Offer Period.
• The Offer on the Card, is only on activation of the Card during the Offer Period. This Offer is not available on active Cards. However, existing Cardholders whose Card is inactive for more than one preceding year will only be eligible under the Offer. The one year period is to be calculated from 1st Feb 2017
• The aforesaid transactions on the Card should be used to purchase goods and services at POS, ecommerce transactions and bill payments only. Cash withdrawal transactions on Automated Teller Machines (ATM) shall not qualify for the Offer.
• The Cardholder must satisfy the Priority Banking Qualifying criteria* at least once during the Offer Period.
• The cardholder has to be qualified Priority Banking client
• The Cardholder must satisfy all the aforesaid eligibility criteria’s to qualify for the offer.

Specifications of the Kindle device under the Offer

• Kindle Paperwhite, 6" High Resolution Display (300 ppi) with Built-in Light, Wi-Fi.

Fullfilment of the Offer

Qualified Cardholders will receive the Kindle Paperwhite on the communication address registered with Standard Chartered Bank, by 15th July 2017

*Priority Banking Qualification criteria:

• Monthly average FUM* (Funds under management) of a minimum of ` 2,000,000/- (Rupees Twenty Lakh only). The FUM includes the following products of the Bank: Savings Bank Accounts, Term Deposits, Assets under Management of Investments made through the Bank; or
• Payroll Account with a monthly minimum credit of ` 200,000/- (Rupees Two Lakh only) or
• Mortgage Loan Approved limit of a minimum of ` 10,000,000/- (Rupees One Crore only) or
• Mortgage approved loan for customers with declared income of a minimum of ` 2,400,000/ (Rupees Twenty Four Lakh only) p.a; or

General Terms & Conditions

• Standard Chartered Bank does not make any warranties or representation of the quality, merchantability, suitability or availability of the products or services under the Offer.
• Standard Chartered Bank holds the exclusive right at its sole discretion to refuse or deny the Offer to any Cardholder. The Cardholder shall become ineligible to participate in this Offer if his/her card is cancelled before the expiry of /during the Offer Period.
• Offer Period: The Offer Period shall commence from 00:01 hours on 1st Feb 2017 and shall extend up to 11:59 hours on 30th Apr 2017
• Standard Chartered Bank reserves the right to modify / change all or any of the terms applicable to this Offer. Standard Chartered Bank also reserves the right to modify, withdraw or discontinue the Offer without assigning any reasons whatsoever. Neither anything contained in these terms and conditions, nor shall running this Offer be construed as an obligation on the Bank to continue the Offer up to the termination/expiry date.
• Participation in this Offer is entirely voluntary and it is agreed and understood by the participants that participation shall be deemed to have been made on a voluntary basis.
• The Offer is non-transferable.
• The Offer shall not be available wherever it is prohibited under law and / or cannot be made for any reason whatsoever.
• All disputes under this Offer are subject to the exclusive jurisdiction of the competent courts / tribunals of Mumbai.
• The Bank shall not be obliged to make any public announcements of the results of the Offer. The eligible Cardholders shall be intimated by the Bank through Email and/or SMS on the email address or mobile number registered with Standard Chartered Bank..
• By participating in the Offer, the participants agree to be bound by the terms and conditions contained herein.
• Any tax or other liabilities or charges payable to the government or any other statutory authority/body or any participating establishment, which may arise or accrue to the eligible clients due to provision of the Offer, shall be to the sole account of the eligible clients.
• Standard Chartered Bank is not making any commitment to make such similar offers beyond the Offer Period