RinggitPlus Credit Card Sign-Up Promotion
Terms and Conditions
The "RinggitPlus Credit Card Sign-Up Promotion" ("Promotion") is organised by Jirnexu Sdn
Bhd (Registration No. 1081989-D), hereinafter referred to as "The Organiser".
1. Promotion Period
This Promotion will run from 26th December 2023 (11:00 AM) until 2nd January
2024 (11:00 AM), both dates inclusive, unless otherwise notified ("Promotion
Period"). The Organiser reserves the right to end the Promotion earlier than 2nd
January 2024 (11:00 AM), and applications received after the Promotion ends will
not be considered.
2. Eligibility
The Promotion is open to applicants who meet the following criteria:
2.1. Applicants must be at least 21 years old and possess a valid Malaysia
Identification Card (MyKad).
2.2. Applicants must successfully register their interest for one of the eligible credit
cards stated in Clause 3 ("Eligible Cards") issued by Standard Chartered
Bank Malaysia Berhad ("Bank"), as a principal cardholder through the
Organiser's website (ringgitplus.com) during the Promotion Period.
2.3. Applicants must be approved for, receive, activate, and use the Eligible Card
to make a minimum of eight (8) retail transactions, the sum of these
transactions must reach a minimum of RM800 ("Retail Spend") within
sixty (60) calendar days upon the approval of an Eligible Card.
3. Eligible Cards
Eligible Cards for this Promotion include:
● Standard Chartered Smart Credit Card ("Smart Credit Card")
● Standard Chartered Visa Platinum Credit Card ("Visa Platinum Credit Card")
● Standard Chartered Simply Cash Credit Card ("Simply Cash Credit Card")
● Standard Chartered Journey Credit Card ("Journey Credit Card")
4. Ineligible Applicants
The following categories of applicants are NOT eligible to participate in this
Promotion:
4.1. Existing Principal/Supplementary Cardholders who hold any Standard
Chartered Credit Card;
4.2. Former Bank Cardholders, regardless of principal or supplementary card, who
cancelled a Standard Chartered Credit Card within twelve (12) months
preceding the applicant's approval for, and receipt of, an Eligible Card under
the terms and conditions of this promotion;
4.3. Bank Cardholders whose former credit card account(s) is/was delinquent;
4.4. Permanent and contract employees of Standard Chartered Bank Malaysia
Berhad and Jirnexu Sdn Bhd.
5. Application Review
5.1. Applicants must provide clear images of both the front and back of their
Identity Card (MyKad) during the application process via the Organiser's
website and chatbot.
5.2. Applicants must ensure their application is approved by completing the
Standard Chartered online application form in full. A link to this form can
be found in the RinggitPlus welcome email and at the end of RinggitPlus’
WhatsApp Chatbot application journey.
5.3. The Organiser reserves the right to approve or reject applications submitted
on the website without providing a specific reason.
6. Promotion Gift Categories
6.1. Applicants who have completed their online application for Eligible Cards
within the Promotion Period and have met the eligibility criteria outlined in
Clause 2 shall be referred to as “Qualified Applicants”
6.2. "Premium Gift" refers to the Promotion Gift with a higher value.
6.3. "Guaranteed Gift" refers to a standard Promotion Gift, which is provided to
qualified applicants who do not fulfil the criteria of the Premium Gift.
6.4. Promotion Gift categories and its criteria are stated in the table below:
Gift Category Promotion Gift Criteria
Premium RM800 Touch & Go ● Guaranteed to Qualified
Gift e-Wallet Credit Applicants who submit
their EPF statement
during the online
application on Standard
Chartered bank’s website.
Guaranteed RM500 Touch & Go ● Guaranteed to Qualified
Gift e-Wallet Credit Applicants who do not fulfil
the Premium Gift criteria
above.
6.5. Each Qualified Applicant is eligible for only one (1) Promotion Gift regardless
of the number of Eligible Credit Cards the applicant receives during the
Promotion Period.
6.6. Qualified Applicants are determined based on the date and time of their
online application for the Eligible Cards from Standard Chartered Bank
Malaysia Berhad via the RinggitPlus website, ringgitplus.com.
7. Selection Process
7.1. The Organiser will select the recipients of the Gift Categories based on the
criteria stated in Clause 6.4
7.2. Once the applicant completes the eighth (8th) retail transaction, Standard
Chartered Bank may take up to sixty (60) days to update the list of Qualified
Applicants (“Qualified Applicants List”). The bank will then deliver this list
periodically to The Organiser.
7.3. The Organiser will provide gift claim instructions to Qualified Applicants via
email upon receiving the updated Qualified Applicants List from Standard
Chartered Bank.
7.4. The Qualified Applicants will be responsible for completing gift claims with
accurate and up-to-date details for the Organiser to arrange delivery of the
Promotion Gift
8. Gift Fulfilment
8.1. The Organiser will send instructions on redeeming the Promotion Gifts to the
Qualified Applicants’ registered mobile number or email address within
twenty-eight (28) days of receiving complete and accurate gift claim details
from the Cardholder on RinggitPlus.
8.2. The expiry of the e-Wallet Credit will be indicated, upon fulfilment by the
Organiser
8.3. The Touch n’ Go reload pin (10 digits voucher code), will be provided by the
Organiser to the Qualified Applicant. For steps on how to reload, please refer
to: https://www.tngdigital.com.my/reloadpin-awareness
https://media.ringgitplus.com/s/pdf/campaigns/user-tnc.pdf
8.4. Promotion Gifts are subject to availability. In the event of unforeseen
circumstances, the Organiser reserve the right to substitute alternative gifts of
equivalent or greater value with no notice
8.5. Promotion Gifts cannot be transferred to other parties, are not refundable and
not exchangeable for cash, credit, or other goods.
8.6. It is the Qualified Applicant’s responsibility to claim their Promotion Gift from
the Organiser before 3rd July 2024 (“Claim Period”). The Organiser reserves
the right not to entertain any claim received outside the Claim Period.
9. Definitions of Retail Spend
9.1. Retail transactions exclude cash advances, cash withdrawals, charges for
cash advance or cash withdrawals, annual fees, interest, finance charges,
late payments fees, disputed transactions, Balance Transfers, Flexi on
Payment, Flexi on Balance, Cash-On-Call and Cheque-On-Call Plus.
9.2. Retail transactions, including those of any supplementary cardholder(s), will
be combined and calculated for the qualified applicant to determine their
eligibility for receiving the Reward.
9.3. Charges which are subsequently voided, disputed or charged-back to the
SCB Credit Cards, balance transfers, disputed transactions and any fees
charged by the Bank, including but not limited to charges for cash advance or
cash withdrawals, annual fees, interest, finance charges, late fees, and such
other charges are excluded from the definition of retail transactions for the
purposes of this Promotion.
10. Organiser's Discretion and Promotion Changes
Only applicants who fulfil the RinggitPlus Credit Card Sign-Up Promotion Terms and
Conditions shall be eligible for a Promotion Gift. The Organiser reserves the right to
disqualify applicants who have failed to fulfil the Promotion Terms and Conditions
and/or who have submitted incomplete or inaccurate data, without prior notice. The
Organiser reserves the right to change the Promotion Period at any time. If the
Promotion Period is revised, the number of gifts will be prorated according to the
Promotion’s revised duration.
11. Use of Personal Data
By applying at ringgitplus.com, all applicants consent to the use of their personal data
by the Organiser for the purposes of the administration of this offer and any other
purposes to which the entrant has consented, such as the Terms and Conditions,
Personal Data and Information Notice, and Privacy Policy published at
ringgitplus.com
12. Acceptance of Terms and Conditions
By accepting the offer each applicant agrees to be bound by these terms and
conditions;
12.1. The Organiser reserves the right to cancel, terminate or suspend the
Promotion without notice. Any cancellation, termination or suspension of the
Promotion by The Organiser shall not entitle the applicant to any claim or
compensation against The Organiser for any loss or damage incurred by the
applicant as a direct and indirect result of such cancellation, termination or
suspension;
12.2. The decisions of the Organiser in relation to every aspect of the Promotion,
including but not limited to the type of Promotion Gift, shall be deemed final
and conclusive under any circumstance and no complaint from any applicant
will be entertained. The decisions of The Organiser are final, conclusive, and
binding and no further appeal, enquiry and/or correspondence will be
entertained;
12.3. The terms and conditions herein contained shall be governed by and
construed in accordance with the laws of Malaysia.
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