Cash Back




(Please note that this Registration Hotline will be terminated effective on April 1, 2008)

You could still redeem gifts from the Bonus Point Catalogue even if you've registered under the MANHATTAN Cash Back Program. At the end of each Program Period, your available Bonus Points will be converted into Cash Back and the amount will be credited to the Cardmember's Credit Card Account.

Each Program Period will last for 1 month (the “Program Period”) and the last day of each Program Period will be the statement date of the statement for each month of the registered Credit Card Account (as defined in Clause 12 below).

To be eligible for MANHATTAN Cash Back Program ("Cash Back Program"), Cardmembers are required to register their respective Credit Card Account(s) through the MANHATTAN Cash Back 24-hour Registration Hotline 1836 800, from 9:00 am of the first day to 5:00 pm of the last day of each Program Period. Cardmembers only need to register once for their respective Credit Card Account(s) to participate in the Cash Back Program for this Program Period and forthcoming Program Periods (if any) under the Cash Back Program.

Cash Back Program is applicable to individual Credit Card Accounts. If a Cardmember has more than one Credit Card Account, the Cardmember is required to register each respective participating Credit Card Account separately.

Cardmember cannot cancel or withdraw from the Cash Back Program once enrolled under the Cash Back Program.

During the Program Period, a Cardmember would receive a Cash Back amount equivalent to 0.5% of the Retail Purchase Amount (based on the posting date shown on the monthly statement) for all retail purchases made with a registered Credit Card. The total Retail Purchase Amount eligible for Cash Back in a calendar year, in any event, is limited to HK$120,000 (i.e. no Cash Back will be rewarded on any further spending in excess of HK$120,000).

Eligible Transactions will be awarded with Bonus Points according to the current scheme of Standard Chartered Bank (Hong Kong) Limited (the “Company”) from time to time. The Company will convert the Bonus Points, accumulated during the Program Period into Cash Back according to Clause 5. Cardmembers can still redeem items from the Bonus Points Catalogue by using bonus points accumulated before the Effective Date. After deducting the redeemed Bonus Points, the remaining Bonus Points will be converted into Cash Back in accordance with Clause 5.

Bonus Points accumulated before the registration month, Bonus Points rewarded from cash advance or tax payment, and extra Bonus Points rewarded from overseas spendings or other promotions are not eligible in calculating Cash Back.

Cash Back will be credited to the registered Credit Card Account within 1 month after the end of each Program Period and will be shown in the monthly statement.

Remarks:
1.	You could still redeem gifts from the Bonus Point Catalogue even if you've registered under the MANHATTAN Cash Back Program. At the end of each Program Period, your available Bonus Points will be converted into Cash Back and the amount will be credited to the Cardmember's Credit Card Account.



1.	Each Program Period will last for 1 month (the “Program Period”) and the last day of each Program Period will be the statement date of the statement for each month of the registered Credit Card Account (as defined in Clause 12 below).

2.	To be eligible for MANHATTAN Cash Back Program ("Cash Back Program"), Cardmembers are required to register their respective Credit Card Account(s) through the MANHATTAN Cash Back 24-hour Registration Hotline 1836 800, from 9:00 am of the first day to 5:00 pm of the last day of each Program Period. Cardmembers only need to register once for their respective Credit Card Account(s) to participate in the Cash Back Program for this Program Period and forthcoming Program Periods (if any) under the Cash Back Program.

3.	Cash Back Program is applicable to individual Credit Card Accounts. If a Cardmember has more than one Credit Card Account, the Cardmember is required to register each respective participating Credit Card Account separately.

4.	Cardmember cannot cancel or withdraw from the Cash Back Program once enrolled under the Cash Back Program.

5.	During the Program Period, a Cardmember would receive a Cash Back amount equivalent to 0.5% of the Retail Purchase Amount (based on the posting date shown on the monthly statement) for all retail purchases made with a registered Credit Card. The total Retail Purchase Amount eligible for Cash Back in a calendar year, in any event, is limited to HK$120,000 (i.e. no Cash Back will be rewarded on any further spending in excess of HK$120,000).

6.	Eligible transactions ("Eligible Transactions") include spending from registration month onwards (e.g. register on November 15, 2005, spending includes spending from November 1, 2005 onwards), retail purchase (include both local and overseas transactions), internet order, mail order, phone order, gambling tokens, auto payment, utilities bill payment, insurance payment and monthly instalment amount of “MANHATTAN’s Anything Goes Instalment” and monthly instalment amount of “MANHATTAN’s Interest-Free Instalment”. Spendings of all these transactions are treated as Retail Purchase Amount for the purpose of these terms and conditions (in particular, Clause (5)). Cash advance, annual fee, past due charges, overlimit charges, interest/finance charges, balance transfer amount, “Credit Cash” amount, tax payment, the aggregate of the Instalment Transaction Price and the Handling Fee of “MANHATTAN’s Anything Goes Instalment” and whole amount of “MANHATTAN’s Interest-Free Instalment” are excluded and not treated as Retail Purchase Amount. Any unposted / cancelled / refunded / falsified / unauthorized transactions are also excluded.

7.	Eligible Transactions will be awarded with Bonus Points according to the current scheme of Standard Chartered Bank (Hong Kong) Limited (the “Company”) from time to time. The Company will convert the Bonus Points, accumulated during the Program Period into Cash Back according to Clause 5. Cardmembers can still redeem items from the Bonus Points Catalogue by using bonus points accumulated before the Effective Date. After deducting the redeemed Bonus Points, the remaining Bonus Points will be converted into Cash Back in accordance with Clause 5.

8.	Bonus Points accumulated before the registration month, Bonus Points rewarded from cash advance or tax payment, and extra Bonus Points rewarded from overseas spendings or other promotions are not eligible in calculating Cash Back.

9.	Cash Back will be credited to the registered Credit Card Account within 1 month after the end of each Program Period and will be shown in the monthly statement.

10.	If Cardmembers cancelled any Eligible Transaction which had been included in the Cash Back conversion after the Cash Back is credited to the Cardmember's Credit Card Account, the Company has the right to debit the equivalent Cash Back amount from Cardmember's Credit Card Account without prior notice.

11.	The Company reserves the right to alter or terminate the Cash Back Program and amend the terms and conditions thereof at any time without prior notice, including but not limited to the Cash Back rebate percentage as specified in Clause (5). In case of disputes, the decision of the Company shall be final.

12.	Cash Back Program is applicable to MANHATTAN Credit Card, MANHATTAN Gold, MANHATTAN Platinum, Manhattan 21, Infinity and Co-branded Credit Card Account ("Credit Card Account"), except MANHATTAN id Cards. For MANHATTAN Visa Cards, Principal and Supplementary accounts require individual registration and transactions made by Principal and Supplementary Cardmember(s) of MANHATTAN VISA Card Account(s) will be counted separately. For MANHATTAN MasterCards, only one registration is required for each account and transactions made by Principal and Supplementary Cardmember(s) of the same Account will be counted collectively.

13.	Cardmembers will be given a reference code upon successful registration of Cash Back Program.

14.	To be eligible for Cash Back, the registered Credit Card Account must be valid and in good financial standing at the time of crediting the Cash Back, otherwise the Cash Back will be forfeited. If the Cardmember fails once or more to pay on or before the relevant due date any Minimum Payment specified in any statement issued during 3 months before the Cash Back are credited, the relevant Cardmember will not be eligible for any of the Cash Back earned.

15.	Cash Back will be rounded to the nearest cents. Cash Back are non-transferable and cannot offset credit card payment.

16.	If there is any inconsistency or conflict between the English and Chinese versions of these Terms & Conditions, the English version shall prevail.

If you have further inquiries, please do not hesitate to call our MANHATTAN Credit Card 24-hour Customer Service Hotline: 2881 0888. MANHATTAN Card - a division of Standard Chartered Bank (Hong Kong) Limited