Friday, August 21, 2015

Insight into the Standard Chartered TigerAir credit card program

If you're like me, you have probably been intrigued by Standard Chartered's (SC's) Tigerair Platinum Credit Card. You have may be considering getting one of these cards, but would like some insight into what's it all about. Here's my insights, based on my own experiences using the card.

You may be thinking one of these things:
  • Is the Tigerair credit card worth getting?  
  • Where can you fly with the Tigerair credit card program? How long does the e-voucher for a flight last for?
  • What are the plans you can choose with the Tigerair credit card?
  • Is there a default Tigerair credit card program?
  • How do I select or change my Rewards program? 
  • Besides free flights, do I get any other benefits with my Standard Chartered Tigerair Platinum Credit Card?
  • Do I get a sign–up gift?
  • How to check Tigerair Credit Card balance? Have I reached my minimum spending amount yet?

Applies to: Tigerair Platinum Credit Card, Singaporean residents

Is the Tigerair credit card worth getting? 
Yes, if you're can charge $5,000 to $8,000 worth of retail transactions over the course of 12 months in order to qualify to fulfil the spend requirement.

Where can you fly with the Tigerair credit card program? How long does the e-voucher for a flight last for?
The E-voucher is valid for 12 months from the date of issue and can be used to make a flight reservation for a one-way Tigerair flight, inclusive of taxes and charges, departing from Singapore to any one of the following 11 destinations – Bangkok, Hat Yai, Ho Chi Minh, Jakarta, Krabi, Kuala Lumpur, Kochi, Penang, Phuket, Surabaya and Yangon (collectively, "Destinations"). E-vouchers are for a specific flight fare class and are subject to availability. Flight reservations must be made via the Standard Chartered Tigerair credit card booking portal. 

What are the plans you can choose with the Tigerair credit card?
You can choose from either Upfront Rewards (UR) or Future Rewards (FR) plan.

The key differences between the two, is Upfront Rewards program gives you rewards automatically before you have reached the minimum spending requirement. The Future Rewards plan gives you rewards afterwards and at your own convenience, but the spending minimum is higher as you'll see below.

Upfront Rewards (UR) plan
You will receive 1 one–way ticket upfront when your principal card application is approved, and you commit to charge $5,000 to you card over the next 12 months.
Tigerair platinum upfront
From the SC website that state that "Simply charge $5,000 over the next 12 months on qualifying transactions to fulfil the spend requirement. If you select a recurring Upfront Rewards plan, you’ll continue to receive one one-way ticket upfront when your plan is successfully renewed. If you do not fulfill the spend requirement or terminate the plan before fulfilling the spend requirement, a $100 fee will be charged to your card".

Future Rewards (FR) plan
You will earn Rewards Points when you charge to your card. When you have earned and accumulated at least 8,000 Rewards Points, you may use it to redeem an e-voucher for 1 one–way ticket.

tigerair platinum future
From the SC website that state that "Redeem one one-way ticket with 360° Rewards Points earned on your card after you charge $8,000 on qualifying transactions".

Is there a default Tigerair credit card program? If you didn't choose a Rewards program, can I still get my free flight?
Yes, if you didn't choose any Rewards plan when you applied for the Tigerair card, you'll get automatically enrolled into the Future Rewards program plan.

From the SC website that state that "As you did not make any selection, you will, by default, be enrolled in the Future Rewards plan, which you can earn 1 Rewards Point for every $1 you spend. With your points, you can then redeem for an e–voucher".

How do I select or change my Rewards program? 
You can shift to a Upfront Rewards plan or Future Rewards plan by calling Standard Chartered's 24–hour Platinum Service Line on +65 6788 3133 or by visiting any of our branches.

Besides free flights, do I get any other benefits with my Standard Chartered Tigerair Platinum Credit Card?
Yes, you can enjoy the below exclusive suite of complimentary Tigerair benefits when booking flights with your card:
Tigerair platinum - advance seat selectionTigerair platinum - board me firstTigerair platinum - free upgradeTigerair platinum - early access to to hot fare deals
  • Standard seat selector: Any seat(s) in the standard rows with the exception of extra leg room seats and emergency exit row seats
  • Priority boarding service boardmefirst
  • Luggage Upsize™ from 20kg to 25kg
  • Membership to 'Stripes' by Tigerair: An exclusive programme that gives you access to the hottest Tigerair deals and discounts.
Do I get a sign–up gift with the Tigerair Credit Card?
From the SC website:
  • "If you signed up under the Upfront Rewards plan, you will receive a free one–way flight ticket outbound of Singapore to 11 destinations upon card approval".
  • "If you signed up under the Future Rewards plan, you will receive $50 CashBack when you charge a minimum of $500 to your card within 30 days of card approval".

What transactions are included in the Upfront Rewards (UR) Tigerair Credit Card program?
Retail transactions, which includes online transactions and insurance premiums. Please see Standard Chartered's response when I reached out to check with them.

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Dear Mr. Tran,  


We have received and acknowledge your email dated 14th August 2014 with regards to your enquiry on Tiger airways platinum card eligible transaction.

Please be informed that online transactions and insurance premium charged to your card will be considered as retail transactions.

Please refer to below details on spending criteria or eligible retail transaction:

Includes:
• Local & overseas transactions
• Fees paid to other organization (eg school fees for Tuition centre)
• 0% instalment monthly amount
• Easy Pay – original charge
• Online purchases
• Online bill payments (ad hoc via merchant’s website)

Excludes:
• Recurring payments or payments made to all billing organizations using SCB Online Banking platform
• All fees and charges (eg annual fees, late payment fees, interest charges, and/or finances charges)
• Balance/ Funds Transfer
• Cash Advance
• On-going Easy Pay monthly amount
• AXS or ATM transactions
• Any amount charged that is subsequently cancelled, voided, refunded or reversed
• Amounts which have been rolled over from the preceding months’ statements

For more information on our Tiger airways platinum card you may refer to link below:



https://www.sc.com/sg/promotion/tigerair/

We hope your request has been clarified.
   
Should you require further assistance or clarification, you may wish to contact us directly at our 24-hour customer service line at 1800 747 7000 or +65 6747 7000 if you are calling us from overseas.

Thank you for banking with us and have a pleasant day.

Thanks & Regards,
Mathiyalagan Naliah
Customer Care Consultant
Standard Chartered Bank (Singapore) Limited

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What transactions will NOT count towards the UR spend requirement for the Upfront Rewards (UR) Tigerair Credit Card program?
The following transactions will not be taken into consideration when determining whether the UR Spend Requirement has been:

  1. cash advance,
  2. fees and charges (including but not limited to annual card fees, interest charges, cash advance fees, finance charges and/or late payment charges),
  3. any balance or funds transfer,
  4. any monthly instalment of an EasyPay transaction,
  5. any amount charged to your card that is subsequently cancelled, voided, refunded or reversed,
  6. recurring payments or payments made using Standard Chartered Online Banking;
  7. AXS or ATM transactions made using your card,
  8. any amounts which have been rolled over from the preceding months' statements
  9. any other charge, fee, transaction or payment as we may stipulate from time to time
https://www.sc.com/sg/credit-cards/tigerair-platinum-credit-card-faq.html

How to check Tigerair Credit Card balance? Have I reached my minimum spending amount yet?
I reached out to the Standard Chartered helpdesk which kindly gave me this response to find out what my Tigerair Credit Card balance was. I inquired about this twice, so I got two types of responses. The first one is the most helpful, whereas the response from the second customer support representative was not very helpful. 

----------------------------------
Dear Mr. Tran,

We have received and acknowledge your email dated 18th August 2015 with regards to your enquiry on the status of spending.

We truly apologize for any delay response and should this have caused any inconvenience to you.

According to our reference, we noticed that the spending requirement for your current cycle (from 04th January 2015 to 03rd January 2016) on your Tigerair Platinum Credit Card has been met.

Please refer to the below steps on how you can re-confirm via our Online Rewards Redemption Portal:
(a) Go to our official website at www.sc.com/sg
(b) Click on “Online Rewards” then log-in
(c) If you are new user on this portal, you will need to perform registration
(d) Once the registration is successful, click on Log-In button.
(e) Insert your Internet Banking username and password, the click on “Login”
(f) Go to “My Rewards Account” on right hand column and click on “View Order Status”
(g) Look for product type named “eVoucher”
(h) Click on the corresponding voucher Order Number to view the e-voucher
(i) You will need to take note on e-vouchers serial number as this number is required when you would like to book a flight.
(j) Expiry Date for this e-voucher will generate on the webpage as well.

You may refer to below steps on how you can perform redemption once you have retrieved the e-Voucher number from our Online Rewards Redemption Portal:
(a) To access the link, you may either proceed to Tigerair’s Login Portal via http://booking.tigerair.com/SCBLogin.aspx
(b) Or proceed to Tiger Airways Singapore’s official website at www.tigerair.com/sg/en
(c) click on the login button of Booking Portal (upper right hand of the homepage)
(d) For booking flights using the e-Voucher, Click on the 1st button “Redeem free flight with e-Voucher
(e) Choose between One-way and Round Trip
(f) Departing from will be defaulted to Singapore
(g) Arriving (destination) will only show the 11 e-Voucher destinations
(h) Then click on continue to proceed with the booking.

For more information on Tigerair Platinum Credit Card, you may refer to below link:


We hope that this has been of assistance.

Should you require further assistance or clarification, you may wish to contact us directly at our 24-hour customer service line at 1800 747 7000 or +65 6747 7000 if you are calling us from overseas.

Thank you for banking with us, and have a pleasant day.

Warm regards,

Client Care Centre
Standard Chartered Bank (Singapore) Limited

Should you have any feedback about our services or Client Care Associate who attended to you, please provide your valuable comments to us

We appreciate your time and every opportunity given to serve you.  

Thank you.
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Tiger credit card
Dear Mr.Tran,

We have received and acknowledge your email dated 6th August 2015 with regards on your inquiry on the spending.

Please be advised that we are unable to advise you on your spending however we can send you the statements for you the calculate your spending from your end.

Please be informed that we will be able to raise the request to send to you the statements and there will be charges applied as per below:

- Current to 3 months = Free
- 3 months to 1 year = $10 per monthly statement
- 1 to 5 years = $20 per monthly statement

Due to security measurement please confirm if we can send you the statement to your email or address as below:



Awaiting your kind confirmation.

For further details on Tigerair Platinum credit card please refer to the link as per below:
https://www.sc.com/sg/credit-cards/tigerair-platinum-credit-card.html

For the latest update of our credit card promotions, you may visit our website provided by the link below:
https://www.sc.com/sg/credit-cards/promotions.html

We hope this clarifies your request.

Should you require further assistance or clarification, you may wish to contact us directly at our 24-hour customer service line at 1800 747 7000 or +65 6747 7000 if you are calling us from overseas.

Thank you for banking with us and have a pleasant day.

Best regards,

Jack
Client Care Associate
Client Care Centre
Standard Chartered Bank (Singapore) Limited
https://www.sc.com/sg/
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