Cardholders with sensor symbol on your card can now enjoy the fast and secure payments with Visa payWave / Mastercard contactless (formerly known as Mastercard PayPass) feature (“Contactless Feature”).

Important Notice

To improve the security of transactions that are completed without physical presentation of contactless credit cards (“Card-Not-Present Transactions”), a SMS might be sent to you as a notification for such transactions. Card-Not-Present Transactions that may trigger a SMS notification include but are not limited to:


  • Online transactions without One-Time-Password or CVV Secure Code
  • Mail / telephone order

With effect from the end of December 2015, if you do not have a valid mobile phone number* registered in the credit card system of the Bank, the Card-Not-Present Transactions mentioned above might be declined. As such, please provide a valid mobile phone number by completing and returning the “Change of Customer Information Request Form”.

*Valid mobile phone number refers to local mobile phone number that starts with 5, 6 or 9. Overseas mobile phone number is not included. Cardholders with mobile phone numbers starting with other digits might not be able to complete Card-Not-Present Transactions mentioned above.

What are the benefits of Contactless Feature?

Fast and convenient
  • Fumbling of coins or waiting to sign a receipt can be a hassle. With Contactless Feature, making purchases is a whole lot easier. To pay, simply wave your card on the card reader. No signature or PIN is required for purchases below HK$1,000#.
Safe and secure
  • Your card never leaves your hand while you are settling the payment, so you have even more peace of mind.
Still a regular card
  • Continue to enjoy the benefits of your card on top of the Contactless Feature. Your card may still be inserted or swiped at card terminals for payments.

How does it work^?

step1
Step 1:

This symbol is shown at card reader if merchants accept card payment with Contactless Feature.

step2
Step 2:

To pay, wave your card on the card reader at close range (less than 4cm from where the Contactless logo appears).

step3
Step 3:

Your transaction is confirmed by the illumination of the green indicator light.

Where can I use Contactless Feature?

You can use Contactless Feature across a range of retailers including convenience stores, supermarkets, fast food chains, cinemas and so on. For the Contactless Feature acceptance merchant list, please visit www.visa.com.hk/paywave or www.mastercard.com/hk.

Frequently Asked Questions

Q1.
How to recognize whether the card has Contactless Feature?
This sensor symbol on your card indicates your card has Contactless Feature.
Q2.
Is Contactless Feature secure?
The Contactless platform is developed based on secure EMV chip technology, which provides both data protection and transaction security via the use of keys and the latest encryption technology. Contactless Feature transactions are processed through the same reliable payment network as EMV chip transactions.
Q3.
Is there a limit on the value of goods I can purchase with Contactless Feature?
You can use Contactless Feature for purchases under HK$1,000# per transaction. There is no need to swipe your card at the magnetic stripe reader, insert it to any chip terminal, nor authorise the transaction with your signature or PIN. You only need to wave your card on the card reader showing this sensor symbol to complete the transaction.
Q4.
Can I unknowingly make a purchase if I walk past the reader?
No, Contactless Feature is designed to ensure that the cardholder is always in control. The retailer must first enter the purchase amount for approval and your card has to be held in a close proximity to the card reader (within 4cm) in order for a transaction to take place. Terminals can only process one payment transaction at a time.
Q5.
What is the liability if my card with Contactless Feature is lost or stolen?
Same as other Standard Chartered credit cards without Contactless Feature, you are liable for all transactions made using a credit card and must comply with all security procedures set out in our banking agreement. You must report mistaken or unauthorised transactions as soon as possible. If your credit card is lost or stolen, provided that you have not acted fraudulently or with gross negligence and you have complied with the procedures set out in the Security Procedures section in our Client Terms, then you are liable for the use of the credit card before we receive notification regarding the lost or stolen card but your liability is limited to HK$500.
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The maximum limit on each purchase is at the discretion of individual merchants.
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Once Contactless Feature is being used, it will be governed by the terms and conditions that apply to your transactions made using a credit card. If your card is a Mastercard, please make the first transaction by insert your card in the card terminal to activate the Mastercard contactless feature.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.

Disclaimer

Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.

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