You need to read this document.
It sets out the terms and conditions of our rewards programme. These terms are in addition to the other documents mentioned in Part A of our Client Terms. To the extent of any inconsistency between these terms and our Client Terms, these terms prevail.
The meaning of key words printed like this and other words used in our banking agreement is explained at the end of the Client Terms and at the end of the applicable product terms. Some additional key words which apply to this Programme are explained at the end of these terms.
1.1 This rewards programme is the points scheme offered to cardholders whose credit card account is of good standing only. Cardholders of corporate cards are excluded from this rewards programme.
Points Earning and Validity
1.2 Some types of credit cards have different points schemes. For example, only the WorldMiles Card earns WorldMiles points under the WorldMiles Programme, and only the CashBack Cards earns CashBack under the CashBack Programme. Other selected credit cards earn 360° Rewards points under the 360° Rewards Programme. For further details, please refer to the product brochure.
1.3 We may specify from time to time the amount of Ringgit Malaysia which needs to be spent using your credit card to earn one point. We may also from time to time specify other ways by which points may be earned.
1.4 The product brochure sets out the method for calculating points earned. Unless stated in the product brochure, points cannot be earned on cash advances, cash withdrawals, interest, fees or charges, disputed transactions or charges which are subsequently reversed, voided, disputed or charged-back to the credit card, any type of Balance Transfers, petrol charges, insurance payments, bill payments, or any type of instalment payment plans.
1.5 The number of points you can earn on all credit cards will be capped at your combined credit card limit.
1.6 Points accrue from when your account is opened and may be used until the points cancellation date. Except as set out in the product brochure, all points earned before the points cancellation date are automatically cancelled on the points cancellation date.
1.7 All applications to use points which we receive after the points cancellation date, and any
attempted use of points after the
points cancellation date, is not valid and has no effect, unless:
the product brochure states otherwise, or
we notify you that you are allowed a period of time after the points cancellation date to use your accrued points.
1.8 You may use points to redeem goods and services we specify from time to time. Goods and services redeemed are not refundable or exchangeable for cash.
1.9 You may not use any points if the status of your accounts are not normal or current or if you or any supplementary cardholder (if applicable) is in default or otherwise have not complied with the banking agreement.
1.10 We may cancel or reverse any points awarded if we find they were awarded in error or if they were awarded in relation to any transaction which is later reversed for any reason.
1.11 Points are awarded for each ringgit spent based on the total posted ringgit amount of retail purchases (local and international) made on your credit card, including any supplementary cards.
1.12 Points are accrued in your name only as principal cardholder. Gift redemption may only be carried out by you before the points cancellation date.
1.13 We are not liable for any delay in the actual recording of points under this rewards programme. We reserve the right to amend or modify the manner in which points are awarded.
2. Gift Redemption
2.1 You can either make a redemption request online, through our branches, or via our 24-hour Customer Service Hotline. To make a redemption request online, you must register for online banking.
2.2 Once we have accepted a redemption request, you cannot revoke, cancel, return or exchange it.
2.3 Redemptions will be fulfilled in the sequence in which they are received. If your credit card is not of good standing or your credit card account has insufficient points, the request for redemption of gifts will be rejected automatically.
2.4 Once the points are successfully redeemed for any gifts, such points cannot be transferred back to your credit card account and such points will be treated as extinguished.
2.5 If you choose to redeem the gifts via Points Plus Pay, the ringgit value portion of the redemption must be paid by debiting your credit card account. By choosing the Points Plus Pay option, you authorise us to make this debit. We will not accept any other mode of payment for Points Plus Pay. If there is insufficient credit limit available in your credit card account, the request for redemption of gifts will be rejected automatically. If your available points balance is less than 20% of the amount of points (or any minimum number of points, we may specify) as required for redeeming a gift, your request for redemption of gifts will be rejected automatically.
2.6 We accept no liability with respect to gifts supplied or in connection with any merchant / supplier’s refusal to accept any vouchers and / or confirmation letters relating to gifts redemption. Any rights which you may have in connection with a gift is solely against the merchant/supplier of the gifts.
2.7 By conducting the rewards programme, we do not accept any liability, including liabilities with respect to death or injury or consequential loss arising in any way from the redemption or supply of the gifts. This includes any injury or loss you or your accompanying persons may suffer whilst on holiday using the hotel or holiday package redeemed with the points or resulting from any advice, pointers, tips or directions which may be contained in the catalogue or any other publication we may issue or from the loss, theft, and / or destruction of the gifts.
2.8 We make no representation or warranty with respect to the gifts provided under rewards programme. In particular, we give no warranty and / or representation with respect to the quality of gifts or their suitability for any purpose.
2.9 Any dispute concerning the goods and / or services redeemed as gifts under the rewards programme must be settled directly between you and the participating merchant/supplier. We are not responsible for resolving such disputes or for the dispute itself.
2.10 Gifts that consist of certificates, vouchers, e-vouchers, mCerts, or any type of written communication issued by participating merchants / suppliers under the rewards programme cannot be encashed and cannot be used in conjunction with any other promotion or offer unless stated otherwise. The certificates, vouchers or written communication are valid for use until the date specified on them. If they remain unused after this date, they will totally lapse and will not be replaced. The use of the certificates, vouchers or written communication are subject to their respective terms and conditions and are valid for use only at participating merchants / suppliers under the rewards programme.
2.11 Where the certificates or vouchers specify a value, and are used for less than the value mentioned, the difference will not be refunded. If the value of the certificates/vouchers is less than the value of the items purchased, the cardholder must pay the difference in cash or by credit card to the participating merchant / supplier.
2.12 If an e-voucher is made available for redemption, it will be sent to your email address registered with us at point of redemption. An email address is necessary for the redemption of an e-voucher. We are not responsible for any delay in transmission of, loss of, or non- receipt of, the e-voucher redeemed by you.
2.13 If a mCert is made available for redemption, it will be sent to your mobile number as registered with us at point of redemption via SMS. We are not responsible for any delay in transmission of, loss of, or non-receipt of, the mCert redeemed by you.
2.14 If your choice of gift is unavailable, we reserve the right to replace it with a substitute of similar value. All gifts are available while stocks last. We reserve the right to discontinue any featured gifts or to replace all or any of them with different products, models, colour or services by notice to you in accordance with our usual practice and in accordance with any applicable law. Please note that gifts available through the different redemption channels may differ.
2.15 Fraud and abuse relating to redemption may result in the forfeiture of points and the cancellation of your credit cards.
2.16 No notification letter will be delivered for rejected redemptions. You are advised to check the status of your redemption request online.
3. Online Travel Redemption
3.1 If made available by us, the online redemption platform may contain a hyperlink to a third party website
the following features:
Such third party website is an online travel redemption website (“Travel Site”) owned and powered by Asiatravel.com Holdings Limited which will feature promotions relating to travel, accommodation, packages which you can redeem using your 360° Rewards Points.
When you access the Travel Site through our website or the online redemption platform, your name and accumulated points will be transmitted to the Travel Site through a one-way and one-time encrypted message. If you do not consent to the details being transmitted to Travel Site, you should not access the Travel Site. The operator of the Travel Site will not be able to access our website (secured or otherwise) to gather any more information, other than the information that was passed through.
All products and services offered on the Travel Site are offered by Asiatravel.com Holdings Limited. We do not endorse, and make no representation or warranty in connection with the products or services offered on the Travel Site. We are not responsible for any loss incurred in connection with any purchase or usage at the Travel Site or any hyperlinked sites whether being accessible via the online redemption platform or the Travel Site.
You may use 360° Rewards Points to redeem for any of the products / services that may be offered under the Travel Site.
The Travel Site may also offer goods and services which you may purchase directly using your credit card.
Any transactions effected on the Travel Site are made on your own accord. We are not responsible and make no representation as to the quality or suitability of the products or services for their purpose. Any dispute concerning the goods or services purchased or redeemed on or through the Travel Site must be settled by you directly with the relevant merchant or supplier online. We take no responsibility for resolving such disputes.
4.1 If made available by us, the online redemption platform may contain hyperlink to a third party website
(“eShops”) with the following features:
The eShops are owned and powered by a third party, and may in turn provide hyperlinks to the websites hosted and/or operated by third party suppliers or merchants online (“Online Retailers”) and displays promotions offered by such Online Retailers. For the avoidance of doubt, eShops do not include the websites hosted and/or operated by such Online Retailers. The eShops and the Online Retailers appearing on eShops are independently run and not owned or partnered by us to provide products or services to our cardholders. Separate registration shall be made under the eShops in order to enjoy its services.
You may purchase the products or services on these websites using your credit cards.
We are not responsible for, do not endorse, and make no representation or warranty in connection with, any hyperlinked internet sites on the online redemption platform or our website. We are not responsible for any loss incurred in connection with any purchase or usage at those hyperlinked sites.
Any transactions effected through eShops or through the Online Retailers are made on your own accord. We are not responsible, and made no representation as to the quality or suitability of the products for their purpose. Any dispute concerning the goods and services purchased or redeemed on eShops or the Online Retailer’s website must be settled by you directly with the Online Retailer. We do not take responsibility for resolving such disputes.
5. WorldMiles Points Redemption
5.1 WorldMiles Points may only be redeemed for miles (see Mileage Programme) and vouchers issued by Asiatravel.com Holdings Limited.
5.2 You are not allowed to combine your WorldMiles Points with any other points for redemption.
6. CashBack Points Redemption
6.1 You may redeem CashBack for cash which will be credited into the credit card account of your CashBack Card or for any of the available gifts.
6.2 The minimum amount of cash to be redeemed is RM1 per account.
6.3 You are not allowed to combine your CashBack with any other points for redemption.
7. Delivery of Gifts
7.1 Once we have accepted a redemption request, gifts will be delivered to the address you have notified us as the address for receipt of notices and other communications in connection with our banking agreement. It must be a valid delivery address in Malaysia. Delivery will not be made to a P.O. Box address.
7.2 The gifts will be delivered within 14 working days (for both East Malaysia and West Malaysia) after we receive your redemption request.
7.3 Proof of delivery of gifts is by way of written acknowledgement of receipt of the gifts by any occupant at the delivery address (irrespective of whether or not that occupant is the cardholder). Where the address is an office address, receipt by an office staff is deemed to be the acknowledgement of the cardholder. The recipients (whether cardholder or non-cardholders) must present identification documents such as their National Registration Identity Card and / or passports to the delivery agent. If they do not, the delivery agent has the right to refuse delivery and to return the gifts to us.
7.4 If you do not receive the gift after 14 working days from the date we receive your redemption request, you must inform us within 1 month from the date we receive your redemption request. We will arrange for the re-delivery of the gift to you after the delivery agent confirms non-delivery of the gifts.
7.5 If you do not inform us of non-receipt within the 1-month period, you are deemed to have received the gifts.
7.6 You must examine the gift immediately upon delivery. You must contact our Customer Service Hotline within 24 hours to inform us of any damaged,
defective and / or faulty gift and must either:
reject the gift at the time of delivery, or
return the gift immediately within 3 working days to such place and / or person as we direct.
7.7 A replacement gift will be delivered within 14 working days after the return of the gift. If you do not notify us within 24 hours and return the gift within 3 working days, the gift is deemed to have been delivered in good working order.
7.8 You authorise us to release your contact and delivery information to any parties we may use to deliver the gift. These parties may contact you for verification and confirmation purposes. You acknowledge that we shall not be held responsible for the acts or omissions of such relevant parties (including but not limited to acts or omissions relating to fraud or negligence) not in relation to the delivery of such gifts. Your information will also be provided to Travel Site if you choose to access those websites.
7.9 We are not responsible for lost or stolen redeemed vouchers, e-Vouchers, mCerts or any gifts redeemed, whether the loss occurred in the course of delivery or under any other situation.
8. Online Redemption Platform Features
Watch List Feature
8.1 If the watch list feature is made available under the online redemption platform, you may add a gift to a watch list to be redeemed at a later date. We may remove the item from the watch list if it is no longer available for redemption.
Wait List Feature
8.2 From time to time, we may introduce a gift that may be available for redemption at a later time. If wait list feature is made available under the online redemption platform, you may add this item to the wait list. Redemption of the item is still subject to availability and to these terms.
Points Plus Pay Feature
8.3 The Points Plus Pay feature may be made available for certain gifts under the online redemption platform. The selection of gifts is subject to change.
9. Mileage Programme
9.1 You may choose to convert your points to miles provided:
You are already registered with the PMP prior to redemption of points; and
You inform us of your PMP membership number at the time of redemption.
9.2 Once points are converted into miles, the miles cannot be reconverted into points thereafter.
9.3 Conversion of points into miles will take at least ten (10) working days for completion of conversion and we are under no obligation to effect a manual transfer.
9.4 We reserve the right to revoke and withdraw your participation of the PMP from this rewards programme and the right to change the conversion rate. We also reserve the right to withdraw from participating in the selected PMP programme.
9.5 We reserve the right to adjust the number of resulting miles or the remaining number of points if any error has been made in the conversion process. We will inform you in writing of the change.
9.6 You must notify us on any errors in the conversion of the points within one (1) month of the transaction date. We are not liable for lost points if you do not report it within that period.
9.7 Redemption of miles must be made in multiples of 1,000 points and the minimum amount of miles to be redeemed will be dependent on the PMP. Any request for redemption will be automatically cancelled if we do not receive sufficient information for the conversion.
9.8 CashBack cannot be redeemed for miles.
10. Points Transfer
10.1 You can transfer your 360° Rewards Points to a maximum of 5 nominated family members or friends who hold a credit card issued by us.
10.2 The credit card account of the persons nominated must be of good standing.
10.3 You must pay a transfer fee of RM10 for every 50,000 360° Rewards Points transferred.
You will be charged RM10 if you transfer 40,000 360° Rewards Points.
You will be charged RM20 if you transfer 60,000 360° Rewards Points.
A transfer fee of RM10 applies for every 50,000 points or less. With effect from 1st April 2015, this transfer fee will be subject to 6% GST.
There is no charge for transfer of 360° Rewards Points between principal and supplementary cardholders.
10.4 Once transferred, these 360° Rewards Points will be automatically cancelled on the points cancellation date of the nominated person’s credit card account.
10.5 360° Rewards Points which have already been cancelled cannot be transferred.
10.6 Once a transfer has been processed, it is irrevocable and may not be cancelled or altered.
10.7 We reserve the right to not proceed with your request for a transfer of the 360° Rewards Points if the nominated person’s account is not of good standing.
10.8 WorldMiles Points and CashBack cannot be transferred.
11. General Information
11.1 We will determine all questions or disputes regarding eligibility for the rewards programme, or in relation to accrual of points or the redemption of gifts, including the conversion of points to PMP points, at our sole and absolute discretion.
11.2 The gifts set out in the catalogue are valid for redemption during the stipulated redemption period while stocks last.
11.3 All props, accessories or equipment featured together with the gifts in any photographs in the catalogue are for decorative purposes only and do not form part of the gifts to be redeemed by you.
11.4 We reserve the right to revise these terms at any time. Any such change will be announced on our website at www.sc.com/my.
12. Meaning of Words
You also need to refer to our Client Terms which also define key words used in these terms. If a word defined in these terms is also defined in other parts of our banking agreement, the definition in these terms applies for the purposes of this Rewards Terms.
360° Rewards Programme means the points scheme offered to cardholders whose credit card account is of good standing only. Cardholders of corporate cards, CashBack Cards and WorldMiles Cards are excluded from 360° Rewards Programme.
360° Rewards Points means the points earned under the 360° Rewards Programme.
banking agreement means the agreement between you and us formed when we accept an application from you, the terms of which include our Client Terms and the relevant product terms.
CashBack Card means either the JustOne Platinum MasterCard Credit Card, the Gold CashBack MasterCard Credit Card, or the JustOne Gold MasterCard Credit Card.
CashBack means the points earned under the CashBack Programme.
CashBack Programme means the points scheme offered only to cardholders of Cashback Cards whose credit card account is of good standing.
catalogue means the catalogue of gifts and may be in either printed or electronic form.
you and your refers to you as the principal cardholder.
gift or gifts means goods, vouchers, services, magazines and other privileges as may be contained in the catalogue and excludes other rewards. This list is not exhaustive and may be subject to changes and / or variation by us any time at our sole and absolute discretion.
good standing means a credit card account that is currently not overdue in payment, has not exceeded its credit limit, is not going to be closed upon its card expiration date, and is not cancelled nor terminated by the cardholder or by us.
points means bonus points awarded to you on your credit card under the relevant points scheme, specifically 360° Rewards Points under the 360° Rewards Programme, WorldMiles Points under the WorldMiles Programme, and CashBack under the CashBack Programme.
points cancellation date means the earlier of:
the third anniversary from the date of the opening of your account (or your first account if you have more than one account)
You apply for a credit card on 15 March 2013. Your points cancellation date will be 3 years from 15 March 2013 i.e. 14 March 2016.
You apply for another credit card and receive it on 23 March 2013. As you already have an existing account with us, the points cancellation date for this second account will follow the points cancellation date of your first account i.e. 14 March 2016.
the date on which your use of the account for the credit card is terminated or the account for the credit card is closed; or
the date on which your credit card expires without renewal.
points scheme means the bonus points scheme established by us for our credit card programme
which allows you and any supplementary
earn points when you use your credit card or supplementary card to pay for any goods and services; and
use or redeem the points to pay or exchange for the goods and services at the outlets as we specify from time to time.
Points Plus Pay means redemption option that allows the cardholder to redeem gifts by using a combination of points and a monetary payment of a Ringgit amount fixed under the rewards programme.
PMP means the Frequent Flyer Programme which includes Malaysia Airlines Enrich Miles, Singapore Airlines Krisflyer Miles, Air Asia BIG Points, and Cathay Pacific-Asia miles.
miles means the points issued and managed by the PMP.
WorldMiles Card means the WorldMiles MasterCard World Credit Card
WorldMiles Points means the points earned under the WorldMiles Programme.
WorldMiles Programme means the points scheme offered only to cardholders of WorldMiles Card whose credit card account is of good standing.
working day means a day when we are open for business.