What is CashOne personal loan?
CashOne personal loan is an instalment loan on your credit card that allows you to borrow up to 4 times your monthly income.

How many years can I borrow the loan for?
You can borrow the money for up to 5 years.

Will I be able to use my Platinum Credit Card or existing Standard Chartered Credit Card for retail transactions?
If your annual income is $30,000 or above, you will be issued a Platinum Credit Card. As the credit limit on your Platinum Credit Card or existing Standard Chartered Credit Card is treated as a loan, you will only be able to use the available credit limit for retail transactions once you have repaid the CashOne personal loan.

1. This CashOne Personal Loan Cashback Online Promotion (the “Online Promotion”) is available from 1 July 2022 to 31 December 2022 (both dates inclusive) (the “Promotion Period”). By participating in the Online Promotion, you agree to be bound by these terms and conditions.

Eligibility – New Client Cashback or Existing Client Cashback (as defined respectively at Clause 5)
2. To qualify for the Online Promotion and receive the New Client Cashback or Existing Client Cashback (as defined at Clause 5):
   a. you must apply for a CashOne Personal Loan (“CashOne”), a Credit Card Instalment Loan, or a subsequent top up loan on your existing Credit Card Instalment Loan account, with Standard Chartered Bank (Singapore) Limited (the “Bank”):
   (i) at an applied interest rate of 3.48%p.a. and above (EIR* from 6.95%p.a.); and
   (ii) to be repaid over tenures of 3, 4 or 5 years;
   b. you must have applied through any of the online application channels made available to you by the Bank(each an “Eligible Channel”);
   c. the Bank receives your Application (as defined at Clause 3 below) during the Promotion Period;
   d. the Application (as defined at Clause 3 below) must be approved by the Bank; and
   e. the approved loan amount for your CashOne / Credit Card Instalment Loan (“Approved Loan Amount”) or the approved top up loan amount for your top up loan on your existing Credit Card Instalment Loan account with the Bank (“Approved Top Up Loan Amount”), as the case may be, pursuant to this Online Promotion, must be a minimum of S$10,000.
   
   *EIR is calculated taking into consideration the first-year annual fee of S$199; and is based on average loan amount of S$20,000.
3. For the purposes of this Online Promotion, each application fulfilling Clauses 2a and 2b above is an “Application”.
4. Notwithstanding the foregoing, the Bank shall retain the sole and absolute discretion to determine the eligibility of and/or approve applications received after the end of the Online Promotion Period and/or allow the said applications to qualify for this Online Promotion, the New Client Cashback or Existing Client Cashback (as defined at clause 5 below) on a case-to-case basis, without prejudice to these terms.


5. If you satisfy the eligibility criteria set out in Clause 2 (read together with Clauses 3 and 4), you will be eligible to receive a cashback of up to:
   a. S$3,100 if you do not have a principal credit card or CashOne or Credit Card Instalment Loan with the Bank at the point you submit your Application (such cashback to be referred to as “New Client Cashback”);
   b. or S$3,000 if you have an existing principal credit card or CashOne or Credit Card Instalment Loan at the point of your Application (such cashback to be referred as “Existing Client Cashback”),
   in the manner as set out in the table below:
   Approved Loan Amount or Approved Top Up Loan Amount: S$10,000 to S$50,000; 1% cashback on approved loan amount
   
   Approved Loan Amount or Approved Top Up Loan Amount: S$50,001 to S$250,000; 1.2% cashback on approved loan amount
   
   If you do not have a principal credit card or CashOne or Credit Card Instalment Loan with the bank at the point you submit your Application, you shall be eligible to receive an additional cashback of S$100.
6. The New Client Cashback or Existing Client Cashback will be credited within 50 working days from the date of approval of your Application made pursuant to this Online Promotion, as determined in the Bank’s sole and absolute discretion, into:
   a. your credit card account which must be validly existing (i.e. must not be suspended, cancelled or terminated), in good standing, and conducted in a proper and satisfactory manner at all times, as determined by the Bank in its sole and absolute discretion, if you have only one credit card account;
   b. any one of your credit card accounts, which must be validly existing (i.e. must not be suspended, cancelled or terminated), in good standing, and conducted in a proper and satisfactory manner at all times, as determined by the Bank in its sole and absolute discretion, in the event you have more than one credit card account; or
   c. your Account (as defined at Clause 8 below), in the event you have no credit card account.

General
7. The New Client Cashback or Existing Client Cashback is non-redeemable for cash, non-transferable, non- assignable and non-exchangeable for any other item.
8. Your CashOne or Credit Card Instalment Loan account (each an “Account”), as the case may be, must be validly existing (i.e. must not be suspended, cancelled or terminated), in good standing, and conducted in a proper and satisfactory manner at all times, including at the time of crediting (in the manner set out in Clause 6 above) of the New Client Cashback or Existing Client Cashback (as defined at Clause 5 above) as determined by the Bank in its sole and absolute discretion.
9. The Bank reserves the right to, without compensation, debit the New Client Cashback or Existing Client Cashback from the credit card account or Account which the New Client Cashback or Existing Client Cashback is credited into and/or forfeit the New Client Cashback or Existing Client Cashback, if:
   a. you terminate the Account or credit card account, which the New Client Cashback or Existing Client Cashback is credited into, for any reason following the crediting of the New Client Cashback or Existing Client Cashback to your Account or credit card account (as the case may be); and/or
   b. the Account or credit card account, which the New Client Cashback or Existing Client Cashback is credited into, is not valid, subsisting and/or in good standing at any time after the crediting of the New Client Cashback or Existing Client Cashback pursuant to this Online Promotion, as determined at the Bank’s sole and absolute discretion.
10. By submitting an Application pursuant to this Online Promotion, you consent to the use of your personal data by the Bank for marketing purposes, including but not limited to the use of your telephone number to contact you about products and promotions offered by the Bank from time to time via telephone, SMS or electronic direct mailer.
11. Unless otherwise stated, this Online Promotion is not valid with other offers, discounts, rebates, vouchers, privileges or promotions. For the avoidance of doubt, this Online Promotion is not valid with the CashOne Credit Card Instalment Loan Cheque Campaign, the Exclusive Interest Rate Promotion, the CashOne Comparison Sites Campaign, Standard Chartered Anniversary Cashback with SingSaver Promotion and the Standard Chartered S$160 Gift with MoneySmart Promotion.
12. No payment or compensation whether in cash, credit or kind shall be made for any uncollected, lost, misplaced, or stolen New Client Cashback or Existing Client Cashback.
13. The Bank reserves the right to replace or substitute the New Client Cashback or Existing Client Cashback with any item which may or may not be of equivalent or similar value, without prior notice or reason (and the Bank shall not be obliged to disclose its reason).
14. Except for death or personal injury caused by the negligence of the Bank, to the fullest extent permitted by law, the Bank and members of the Bank’s group shall have no liability in respect of, and will be indemnified from and against, any liability, loss, claim, damage or costs of any kind (including legal costs) to any person or entity, in whole or in part, directly or indirectly, whether by reason of the acceptance, possession, use or misuse of the New Client Cashback or Existing Client Cashback.
15. The Bank may vary, modify, add, delete or otherwise revise any of the terms and conditions governing the Online Promotion or to terminate, withdraw, extend or shorten the Online Promotion at any time in the Bank’s sole discretion, with or without prior notice or reason.
16. The Bank reserves the right to determine in its sole and absolute discretion all matters arising out of or in connection with the Online Promotion, including your eligibility for the Online Promotion. The Bank’s determination of all matters relating to this Online Promotion shall be final and binding and no correspondence will be entertained.
17. In the event of any inconsistency between the Online Promotion Terms and Conditions and any brochures, marketing or promotional materials relating to the Online Promotion, these Online Promotion Terms and Conditions shall prevail to the extent of such inconsistency.
18. These Online Promotion Terms and Conditions are to be read in conjunction with the Bank’s Customer Terms, the Current / Cheque / Savings Account and Time Deposit Terms, the Personal Loan / Personal Line of Credit / Overdraft Terms, the Credit Card Terms, the CashOne Product Terms and/or the Credit Card Credit Card Instalment Loan Product Terms (as the case may be) as well as any other product terms that may be applicable in conjunction with the Online Promotion (collectively, the “Other Terms”). In the event of any inconsistency between these terms and the Other Terms, these terms prevail only to the extent of such inconsistency. Click here for full Terms and Conditions.
19. A person who is not a party to these Online Promotion Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of the Online Promotion Terms and Conditions.
20. The Online Promotion Terms and Conditions are governed by and shall be construed in accordance with the laws of the Republic of Singapore and you agree to submit to the exclusive jurisdiction of the courts of the Republic of Singapore.
21. All information is accurate as at the date of publication.

1. Standard Chartered Bank (Singapore) Limited (the "Bank")'s Next Day Cash is a service whereby if an applicant successfully submits a completed application to the Bank for a personal loan by 2 p.m., and the Bank approves such an application, the Bank will disburse the funds on the next working/banking day (Monday-Friday, excluding Public Holiday).
2. For the avoidance of doubt, the Promotion is only applicable to new applications for a CashOne or Credit Card Instalment Loan received and approved during the Promotion Period. You must not have had your previous CashOne and/or Credit Card Instalment Loan accounts suspended, cancelled or terminated for any reason, prior to your new application, and subsequently re-open another CashOne and/or Credit Card Instalment Loan account during the Promotion Period.
3. Next Day Cash is subject to the Bank’s approval of the application which must satisfy the Bank’s criteria, including our credit and risk management policies, as well as prevailing laws and regulations. The Bank reserves the right to reject any application which does not fulfil our criteria at our discretion.
4. Next Day Cash service is only available on Mondays to Fridays (excluding public holidays), provided that the duly completed application form and all supporting documents are submitted and received by the Bank before 2p.m. on a working/banking - day. In the event that the bank needs to contact you for additional information/confirmation to complete the application, standard processing turnaround time will apply.
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   ^Applications submitted on Saturday/Sunday/Public holiday will only be processed on the next working/banking day
5. If the Bank is unable to process your application due to system failure, system outage, malfunction, delay or any other circumstances whatsoever, whether within our reasonable control or otherwise, the Bank may not be able to provide the Next Day Cash service and the Bank disclaims all liability arising for any such delay including any loss, damage or inconvenience caused to/incurred by you the applicant, or any third party arising from or in connection therewith.
6. The Bank will notify the applicant of the Bank's final decision on the application, whether approved or otherwise in writing. Approved customers will also be notified via SMS.
7. The Bank may vary, modify, add, delete or otherwise revise any of the terms and conditions governing the Next Day Cash service or to terminate, withdraw the service at any time at the Bank’s sole discretion, with or without prior notice or reason.
8. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the service, including your eligibility for the service. The Bank’s determination of all matters relating to this service shall be final and binding and no correspondence will be entertained.
9. These Next Day Cash Terms and Conditions are to be read in conjunction with the Bank’s Customer Terms, the Current / Cheque / Savings Account and Time Deposit Terms, the Personal Loan / Personal Line of Credit / Overdraft Terms, the Credit Card Terms, the CashOne Product Terms and/or the Credit Card Credit Card Instalment Loan Product Terms (as the case may be) (the “Other Terms”). In the event of any inconsistency between these terms and the Other Terms, these terms prevail only to the extent of such inconsistency.
10. All information is accurate as at the date of publication.