Q. What is the Howzzaat !!! Account?

The Howzzaat !!! Account is a new variant of Savings account. This account makes banking easy and fun as it packs the excitement of cricket, with exciting goodies & opportunities to meet your favourite cricket superstars.

Q. What are the features of the Howzzaat !!! Account? What are the advantages of holding a Howzzaat !!! Account?

The Howzzaat !!! account comes loaded with a unique programme that enables customers to earn exciting ‘runs’ every time they transact on their account. What’s more - The customers win extra runs for purchases made on their Debit Card the day after India wins an International Cricket Match! These runs can be redeemed towards attractive discounts on purchase of cricket gear & sporting equipment, participation in Cricket Mela & a chance to meet cricket stars.
Other attractive features include: -

• First Year Free MasterCard Titanium Debit Card made of eco friendly plastic.
• Free unlimited Cash Withdrawal (in terms of number of transactions) & Balance enquiry at any ATM in India for Howzzaat!!! 10 and Howzzaat!!! 25 accounts (on maintenance of AQB of Rs. 25,000)
• Free multicity cheque book on maintenance of AQB (For Howzzaat!!! Employee Banking Accounts - Please refer to the corporate offer for complete details)
• Anywhere Branch Banking with access to 94 branches spread across 37 cities
• Online Banking, Mobile Banking, 24/7 Phone Banking facilities available

Q. What is the minimum Average Quarterly Balance requirement for a Howzzaat!!! Account?

The minimum Average Quarterly Balance requirement for a Howzzaat!!! Account depends on the type of account selected such as -
Howzzaat !!! 25 - INR 25,000
Howzzaat !!! 10 - INR 10,000
Howzzaat !!! Employee Banking - Please refer to corporate offer for complete details

Q. Are there any special advantages of the Howzzaat !!! 25 account?

The customer gets the following additional benefits on taking the Howzzaat !!! 25 account-

• Upfront gift on signup - 200 reward points credited upfront in the account of the customer.
• Higher number of runs on transactions (as explained in the table in following question)

Q. What is the Rewards programme?

Rewards programme enables the customers to earn runs on a host of transactions on their Savings account.
The runs earned on each variant are as follows -

Activities	Howzzaat!!! 10	Howzzaat!!! 25	Howzzaat!!! Employee Banking
Upfront gift on sign-up	-	200 reward points	-
Spends through Howzzaat!!! Debit card	2 runs/ Rs.100	2 runs/ Rs.100	1 runs/ Rs.100
Cameo - Online banking registration	20 runs	20 runs	20 runs
Cameo - Mobile banking registration	20 runs	20 runs	20 runs
Power play- Earn extra runs for purchases made on your debit card the day after India wins an international match	Earn Double the number of runs	Earn Triple the number of runs	Earn Double the number of runs
Get Bonus runs for every spend of Rs. 4000 or more on your Howzzaat!!! Debit Card	40 runs	60 runs	40 runs
Mobile Banking transactions	20 runs/quarter	20 runs/quarter	20 runs/quarter
SCB ATM Financial transactions - Points rewarded for each of the following transaction categories: Fund Transfer Fast Cash Fast Cash w/o receipt Intra Transfer Withdrawal Withdrawal w/o receipt	5 runs/ transaction	5 runs/ transaction	5 runs/ transaction
Online Banking Financial transactions - Points rewarded for each of the following transaction categories: Inter Bank Fund Transfer VISA Money Transfer Demand Draft Card payment	5 runs/ transaction	5 runs/ transaction	5 runs/ transaction
ECS/SI transactions	1 run/ transaction	1 run/ transaction	1 run/ transaction

Q. Is there any maximum cap on the number of runs?

Yes, the maximum number of runs that a customer can earn in a month on debit card transactions (Point of Sale / Online purchase) is as follows -

Transaction	Howzzaat !!! 25	Howzzaat !!! 10	Howzzaat!!! Employee Banking
Debit Card transactions	1,500	1,000	500

Q. When will runs be credited to the customer’s account?

All runs will be credited to the customer’s account on a daily basis, at the end of the day.

Q. How will customers get information on the number of runs outstanding in their account?

Customers can get details of their runs outstanding by any of the following means -

• Logging in to the runs redemption site which can be accessed by clicking on the redemption link on the Howzzaat !!! page on the SCB public website - www.standardchartered.co.in
• Calling up Phone Banking.
• SMS which will be sent to customers on a weekly basis informing them about the number of runs outstanding in their accounts.

Q. What is the value of a run?

1 run = INR 1

Q. How can customers redeem their runs?

Customer can redeem their runs by logging onto our public website - www.standardchartered.co.in. and clicking on the redemption link on the Howzzaat !!! page. This will take the customers to a microsite where the list of items available for redemption shall be displayed. Customers can then select items as per their choice & the availability of runs. Further information on the details of the products will be displayed on the microsite.

Q. Can customers place request for redemption of runs through Phone Banking?

No, customers can call up Phone Banking to know the status of runs outstanding. However redemption requests can only be placed by logging on to our website.

Q. Is there any minimum amount for redemption?

The minimum amount for redemption will be governed by the products on display on the microsite. Currently, the minimum is 250. This can be changed at a later point in time.

Q. How long will it take for the redemption request to be processed?

The goods requested for under the Howzzaat!!! runs redemption programme will be dispatched in 3 working days from the date of receipt of the redemption request.

Q. How will customers know when the request has been processed?

Upon processing the request, customers will be sent SMS informing them about the same.