For more details, please visit www.sc.com/bd Apr

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ªThe High LifeºVisa Elite Credit CardWelcome Guide

Dear Valued Cardholder,You are now a proud member of Standard Chartered credit card family. Your new contactless credit card has been designed keeping your discerning needs in mind.As a Standard Chartered credit cardholder, you are entitled to an unparalleled range of benefits & privileges to meet your lifestyle needs. It ushers you into a world that offers you 2x Rewards for all your spends, Free Lounge Access and the list goes on!This new contactless credit card offers increased security ensuring greater protection of your card against fraud. You can enjoy up to BDT 1 million as unsecured credit limit based on your income or up to BDT 2.5 million based on lien in your account/Fixed Deposit with Standard Chartered Bank. Up to 90% of lien amount can be added to your Standard Chartered Visa Elite Credit Card limit. Use your SC Mobile Bangladesh App to activate your new credit card and start earning your rewards from today. To learn more about the power of your Standard Chartered Visa Elite Credit Card, please go through this Welcome Guide or call our 24-hour Client Care Centre.Yours faithfully,

Sohail AlimHead of Cards

Welcome to Standard Chartered Visa Elite Credit Card family

Get unparalleled benefits, rewards and privileges.

Enjoy exclusive Robi data bundles for the first three months for free, after which you can choose your desired bundle pack from the fourth month*:

You can enjoy the Elite experience of rewards with free SIM replacement service, queue-less service at Robi Contact Centre and lifestyle offers as a Robi Elite.**

*free bundle packs available for Robi postpaid users only**Robi Elite status will be activated by spending over BDT 300 monthly on Robi network for three months. To check your Elite status, dial *1213*1# or visit My Robi App Homepage.

Exclusive Bundle offer & more for Robi Elitecredit cardholders:

Bundle Offer Gold Platinum Signature

Local Min 550 1000 1250

SMS 100 100 100

Data (GB) 3 4 5

Install My Robi App on your smartphone

My Robi App is the one-stop solution for all your service needs with some amazing offers & features like Balance check/Recharge/Internet, minute & bundle purchase/Creating own plan/Customer Service/ Sports update/Donation/Buy tickets/Buy Electronics/ Robi Elite offer check & many more.

Scan the QR codes for instant installation and playstore/app store badges)

Discover more

Core Benefits of your Standard Chartered Credit Card

Card Cheque

It is a Cheque Book issued against your Standard Chartered credit card. You can use the Card Cheque (Account Payee only) for payment to any person or establishment within Bangladesh. Card Cheque will be especially useful to you where credit card acceptance facility is not available (e.g. house rent, school fees etc.). Your available credit limit will be applicable to your Card Cheque. Your Supplementary Cardholders will also be eligible to apply for Card Cheque (subject to your approval).

Instant Cash Advance

You do not need to carry cash anymore if you have a Standard Chartered Credit Card. You can withdraw cash up to 50% of your credit limit from ATMs across the country.

Supplementary Card

You can share the exclusive benefits of your Standard Chartered credit card by giving your loved ones up to two (2) Supplementary Card, absolutely free. As a Primary Cardholder, you can also set spending limits for each of your Supplementary Cards in a billing cycle. For easy tracking, all transactions on your Supplementary Card will be shown separately on your monthly Standard Chartered credit card statement.

Reward PointsBe rewarded in every way. Earn 1 reward point & 2 reward points respectively on your Platinum & Signature card for every BDT 50 retail transaction. That's not all, when you and your Supplementary Cardholder spend, your Rewards Points are accumulated faster as a combined effort.

Annual fee waiver through reward point redemption

Enjoy the benefit to waive your Standard Chartered Credit Card’s annual fee through reward points. For details, please contact our 24-hour Client Care Centre at 8333372 or 16233 (from mobile).

0% InstaBuys

For you, we have an exclusive InstaBuys @ 0% Catalogue that carries exciting offers from a wide range of partners including leading names in electronics & home appliances, jewellery, furniture, hospitals, fashion wear, gift shops, computers and many more. At all these participating outlets, you can pay with your Standard Chartered Credit Card and enjoy 0% interest on InstaBuys for tenures ranging between 3, 6, 9,12, 18 & 24 months.

24-hour Client Care Centre

We offer Customer Service 24-hour a day, 7 days a week through our state-of-the-art Client Care Centre. It is designed to provide you with one stop solution for all your banking needs. For any inquiry on your Standard Chartered Credit Card simply call at 09666777111, 02 8332272 or 16233 (from mobile).

Travel Privileges

Free Airport Lounge Access

Relax, stretch out and enjoy a pre-flight flavour in the airport lounge at Hazrat Shahjalal International Airport, Dhaka. Enjoy free access to lounge as follows:

• Signature cardholder: Free for the cardholder along with up to 3 (three) companions

• Platinum cardholder – Free for the cardholder only

Global Customer Assistance Service

With the extensive network of toll-free lines from over 70 countries worldwide, the Global Customer Assistance Service (GCAS) program is an excellent tool for members to provide round-the-clock emergency support anywhere in the world. The GCAS numbers can be found at the Visa website www.visa-asia.com

Passenger Handling Service at Hazrat Shahjalal International Airport - Free

Enjoy passenger handling service during your departure and arrival at Hazrat Shahjalal International Airport, Dhaka provided by Meet, Greet & Assist Services (MG&A). This service is free for up to 4 persons for Signature cardholder & up to 2 persons for Platinum cardholder.

To avail passenger handling service, please contact MG&A at their below contacts:Call 01822991111 or email: mga.dhaka@gmail.com

Priority Pass

A warm welcome awaits you at over 1,200 airports lounges around the world. The Priority Pass issuance fee is completely waived. That’s not all; enjoy free visits as follows:

• Signature cardholders: Unlimited free visits for the cardholder & 6 (six) free visits for guests per calendar year

• Platinum cardholders: 3 free visits per calendar year for the cardholder only

Note: You need to inform your requirement at least 24 hours before your departure or arrival.

Benefits of using SC Mobile Bangladesh App

Card activation and set/reset PIN number

You can now use our i-banking and mobile app to activate any newly issued Credit Card and set/reset your PIN number. Simply scanthe QR code to download the app and follow the steps shared in card carrier letter.

Scan the QR codes and download the SC Mobile Bangladesh app.

Purchase with rewards

You can now redeem your Reward Points absolutely anywhere and anytime with a click of a button. Simply use your SC Mobile Bangladesh App or Online Banking and select the “Purchase With Rewards” option for your credit card. Your next purchase will be taken care of by your Reward Points automatically. For details, please visit http://bit.ly/purchase_rewards

Convert your purchases to EMI

Turn your expenses into a convenient payment plan, in just a few clicks, using our online banking or SC Mobile Bangladesh app. Any big purchases on your credit card can be converted into InstaBuys with interest and you can pay in up to 36 equal monthly instalments. For more details, please visit bit.ly/SCinstaBuy

Telco

bKash Account

Transfer funds instantly from your credit card to any

Remain connected by paying mobile phone bills on time

Fund Transfer Transfer funds to any bank account from your credit card

Bill Payment/Wallet Transfer

Our digital banking platform enables you to pay your credit card bill, mobile recharge, and wallet transfer to bKash through SC Mobile Bangladesh App or through online banking using your Standard Chartered Credit Card.

Card lost & stolen report through iBanking

If your credit card is lost or stolen, you can now report and request for a replacement through Standard Chartered online banking or SC Mobile Bangladesh App. The “Report Lost/Stolen Credit Card” feature allows you block your card instantly, in few simple steps, and saves your time from waiting on call with Contact Centre or visiting a branch.

*Alternatively, you can call our 24/7 Client Care Centre to report your lost/stolen card.

Paying your Card Bill

Payment through Standing Instructions

If you are Standard Chartered Accountholder, you can set Standing Instruction (Auto-Debit facility) to settle your monthly credit card bill from your nominated account. You can choose any amount between the minimum amount due and 100% of the current balance for settlement through instruction.

Payment through Online Banking

Standard Chartered Accountholders can also make payment to their Visa Signature credit card through Online Banking from the Current or Savings Account maintained with us; which is updated instantly. Simply download the SC Mobile Bangladesh App from play store/apple store and register to online banking with your credit or debit card.

Payment through ATMs

If you maintain a Standard Chartered Bank account, you can make Standard Chartered Credit Card payment through any of our ATM machine from your Current/Savings Account maintained with us. Payment made through ATM will be updated instantly.

Payment at Deposit Machines through Cash, Cheque or Account Transfer

Standard Chartered credit card payments are accepted through cash, cheque or account transfer instructions at all Standard Chartered Deposit Machines 24 hours a day, 7 days a week. Cash payments will be updated by the next working day and cheque payments will be updated on the same day as we receive the cleared funds. Standard Chartered accountholders can also make payments from their Current or Savings Account through a deposit slip and drop it at the Deposit Machine. Refer to our website www.sc.com/bd for the updated list of Deposit Machine locations.

For Cheque payments, please ensure the following:• Make it ‘Account Payee’ and payable to Standard Chartered Bank• Write your 16-digit credit card number and your full name on the reverse of the cheque

Use & Protection of Your Standard Chartered Credit CardPayment through Client Care Centre

If you maintain a Standard Chartered Bank Account, you can make Visa Signature credit card payment over telephone through our 24-hour Client Care Center using Telephone Identification Number (TIN) of your Current/Savings Account maintained with us. All payments made through the Contact Centre are updated instantly.

• Do not handover your card to any one or at any merchant outlet.

• Do not disclose security details of your credit card like your Card Number, Credit Limit, PIN, Expiry Date, Mother's Name, Date of Birth, Passport Number etc., to anyone

• Report immediately your lost or stolen card though online banking or by calling at 09666777111, 02 8332272 or 16233 (from mobile) in Bangladesh

• Disable your International usage facility, when you are not travelling abroad, simply by calling our Client Care Centre

• Report all disputed entries in your statement of account in writing, mentioning the transaction details within 30 days of the statement date

Know Your Standard Chartered Credit Card

Your 16-digitCard Account Number

The Logo. Your Card is acceptable at any establishment and ATM throughout the country that displays this logo

Your Name. Please check that this is accurately embossed. You are the only person authorised to use this Card.

Until End indicates the month and year up to which you may use your credit card. This extends up to the last day of the month shown.

Valid From indicates the month and year from which the validity of your credit card begins.

wireless antenna

3D hologram for

Card Security

Signature Panel please sign on it immediately.

A unique Card Verification Value (CVV) for your Card security.

Your key Contact Number(s) for all Card related enquiries.

A Magnetic Strip containing coded information for the security of your Card.

Your Card bearsThe Embedded Microchip provides extra security to all your transactions.