1. The Welcome Offer is only applicable to "New Cardholders". "New Cardholders" are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.

2. A. Point Card Welcome Reward is only applicable to users who have successfully applied A. Point Card and never redeemed any "Q Credit Card Welcome Reward" or "A. Point Card Welcome Reward" of AlipayHK via AlipayHK Mobile Application ("AlipayHK App").

"New Banking Clients" refer to those who are NOT holding any banking products or services with or distributed by the Bank (including but not limited to deposit account, investment service and insurance products underwritten by the third party insurer) in past 12 months from the date of signing up for Priority Private/Priority Banking except Standard Chartered Credit Cards.