Dear [FULLNAME],

Pay for a new school term with your Standard Chartered credit card and enjoy 0% interest and one-time processing fee of 2% with our 3-month Easy Payment Plan offer. The offer is valid for transactions made from 15 March 2022 to 15 May 2023.

 

How to convert your purchases into Easy Payment Plan

 
Use your credit card to spend AED 500 or more on school fees.
 
Call +971 4403 9681 and ask to convert your purchase to an Easy Payment Plan.
 
Your transaction will be converted within 2 – 3 business days.
 
 

 
© 2023 Standard Chartered Bank (United Arab Emirates)
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*Easy Payment Plan Offer Terms and Conditions
  • The offer starts from 15 March to 15 May 2023 (“the offer period”) and is valid for all Standard Chartered credit cardholders.
  • To be eligible for the offer, Standard Chartered credit cardholders need to spend AED 500 and above during the offer period.
  • The offer is eligible for transactions or purchases made using your Standard Chartered Visa credit cards: Visa Infinite, Manhattan Rewards +, Cashback, X credit cards.
  • The offer is not valid in conjunction with any other special promotion or other reward periodical campaign.
  • The amount equivalent to the Easy Pay Instalment booking will be blocked in the Credit Card. For every monthly instalment paid, the equivalent amount will be automatically released to the Credit card available amount
  • All other outstanding amount on your credit card shall continue to accrue interest at the prevailing interest rate
  • Processing time for the loan/ Easy Pay is approximately 2 to 3 business days
  • The Bank may, in its sole and absolute discretion and without notice, withdraw or revise this Easy Pay (“Easy Pay”)
  • Easy Pay will be made available at the sole and absolute discretion of the Bank to selected credit card members.
  • Loan/Easy Pay shall be repayable in equal monthly instalments (“Equated Monthly Instalments”) in accordance with the duration provided by the Bank (the “Duration”).
  • The EMI will be included in your monthly credit card statement of account as the “minimum amount due”. In the event that you fail to make payment of this “minimum amount due”, you credit card shall be charged with interest/profit on the unpaid balance at the applicable rate in accordance with the Credit Card Terms and Conditions.
  • If the credit card account is closed by you or the Bank before all EMI have been charged, then all of the future EMI shall be accelerated and debited to the final Credit Card Statement of Account as one figure.
  • Easy Pay will not be processed in case the retail balance is less than the amount for booking at the time of processing the Easy Pay.
  • Failure to make your EMI payment, the Bank is entitled to accelerate all future Equated Monthly Instalments and forthwith debit the Credit Card statement of account
  • In the case you decide to pre-close your Easy Pay, a charge of 2% to 5% of outstanding principal amount will be levied subject to a minimum charge of AED 250
  • These terms and conditions are in addition to and supplementary to the terms and conditions applicable to all Credit Card accounts as contained in the Credit Card Terms and Conditions.
  • Finance charges (interest) are calculated as per the Reducing Balance Method. The Bank is not permitted to charge interest on accrued interest. In case Saadiq Cards the profit is calculated at the time of issuance of card limit and payment of purchase price is paid as per the agreed terms and conditions.
  • Initial interest/profit will be featured in the following statement and Equal Monthly Instalments (EMI) will be paid from the next month’s billing cycle. (For Interest/profit Based plans)
  • A onetime processing fee will be charged for Fee based EPP plans
  • In the event that the Easy Payment Plan has been processed, however the transaction has been reversed or not sent for settlement by the merchant, the Easy Payment Plan can be cancelled without any fees and charges.
  • You have the right to a cooling-off period of 5 business days. The Cooling-off period is the period after agreeing to the Easy Payment Plan that allows you to reconsider the service and to withdraw from the Contract without suffering any undue costs, obligations, or inconvenience. You may choose to consult other persons including a lawyer or any advisor in order to make an informed decision. On the 6th business day, you must decide to choose to reject or negotiate an amendment to the contract or otherwise the contract may be in force in accordance with its terms and conditions.
  • If you decide not to proceed with the Easy Payment Plan within the Cooling-off Period, the Bank will refund any related fees net of any reasonable and direct costs already incurred. In the event that you exercise your right in relation to the Cooling-off Period you shall be liable to pay the Bank the full outstanding balance on the Credit Card.
  • Bank related fees and charges will incur value added tax (VAT) of 5%, where applicable.
  • For Arabic Terms and Conditions Click here
Warning
  • If you do not meet the repayments/payment on your credit card, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.
  • If you make only the minimum repayment/payment each period, you will pay more in interest/profit/fees and it will take you longer to pay off your outstanding balance.
  • If you make only the minimum repayment/payment each period, you will pay more in interest/profit/fees and it will take you longer to pay off your outstanding balance.
 
Should you have any concerns or complaints regarding any of our products or services, you may raise your complaint by emailing us at complaint.resolution@sc.com or calling our Client Care Centre on +971 600 5222 88, and we will get back to you within 2 working days.

To know more about our Complaints Resolution process, visit https://www.sc.com/ae/customer-service/

In the event that you do not want to receive promotional communication via email, please click here to opt out. Also, if you do not want to receive any promotional calls from the Bank, please let us know by calling our 24-hour Contact Centre on 600 5222 88 (+971 600 5222 88 outside the UAE).

Arabic version will be made available upon request.
 
Standard Chartered Bank UAE is licensed by the Central Bank of the U.A.E.
 
This email is intended only for clients of Standard Chartered Bank and is not spam. Standard Chartered PLC and its subsidiaries do not accept liability for damage caused by this email or any attachments and have no liability whatsoever to any person on account of the use of information provided herein, and the said information is provided on a best-effort basis.
 
Standard Chartered Bank, incorporated in England and Wales with limited liability by Royal Charter 1853 reference number ZC18, is licensed to operate as a commercial bank in the United Arab Emirates (UAE) by the Central Bank of the U.A.E.