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Privileges that extend beyond your business needs.

Electronics, Laptop, Pc

Privileges that extend beyond your business needs.

Business World debit card

The lifetime free Business World debit card provides you with a world-class banking experience that delivers a host of global privileges and exciting features.



  • The Business World debit card provides access to your account whenever you want, wherever you want. You can use this card to purchase goods at over 30 million merchant establishments and withdraw cash from over 1 million ATMs around the world.

  • The Business World debit card comes FREE for life.

  • You can avail the petrol surcharge waiver of 2.5% simply by using the Standard Chartered Business World debit card to make payment. This waiver is available at all petrol pumps across the country. (Kindly note that the petroleum outlets will be identified using the merchant category code of Mastercard, the franchise under which the retailer has registered). The waiver will be limited to a maximum fuel spend of INR 20,000 per account, per month.

  • This loyalty scheme enables cardholders to earn reward points while they spend. Reward points can be redeemed for cash however are earned only on POS (Point of Sale) transactions. No ATM transactions are eligible for reward points.

  • All customers holding resident accounts and using a Business World debit card are eligible for the Business World Rewards Plus scheme. This scheme is not currently available to NRI customers holding non-resident accounts.

  • You earn 1 point for every INR 100 spent.

  • The scheme starts at the beginning of the calendar year and closes at the end of the calendar year.

  • The reward points will be accrued to the account debited for the transaction. In case of multiple accounts linked to a debit card the transacted account will accrue the reward points. The reward points will be earned at an account level, but the card type will determine the scheme the customer is currently on.

  • The cardholder needs to earn a minimum of 500 points during the scheme period to redeem the points. Every redemption request can only be made for a minimum of 500 points.

  • All points will lapse at the end of the calendar year.

  • The cardholder needs to call the phone banking help line to request for redemption of points. The bank will not redeem your points if not requested by you.

  • The claim amount would be credited into the cardholders account within 21 working days or 5 working days of closure of the investigation by the bank, provided all the required documents have been submitted by the cardholder.

  • Special promotions are regularly offered to all Standard Chartered debit card holders and are usually communicated on the reverse of the bank account statement.

  • You can log on to our website and check under the Business World debit card section for the latest offers available on the Business World debit card.

  • All claims have to be intimated within 60 days of the occurrence of the event. Claims shall not be admissible after this period.

  • The reward points will be redeemed for cash. The amount will be credited to the customer account once he has requested for redemption. One point is equal to INR 1.

  • The statement of the customer will carry the number of reward points that he currently has earned by using his debit card. The customer can also call phone banking to know his reward points.

  • There are no restrictions on the number of times a cardholder can redeem during the scheme period. However every request for redemption needs to be for a minimum of 500 points.

  • You can make use of your Business World debit card up to a maximum daily limit for making purchases, subject to there being sufficient funds in your account.

  • The Business World debit card has all the basic features of a retail debit card. In addition, it has a few exclusive features catering to the needs of an SME customer:

    • Enhanced spending limit up to INR 5 lakh for purchase and ATM cash withdrawal
    • Earn reward points on new product relationship
    • Unique protection against misuse of lost or stolen cards
    • Zero petrol surcharge at all petrol pumps in India
    • Special usage promotions offering exciting gifts.
  • Certainly. Please call phone banking or contact your nearest branch for details.

  • Yes, however you will need to pay a surcharge of 2.5% as per industry practice.

  • It is important that you report the card loss immediately by calling the phone banking staff. You are also advised to send a letter to the bank at the address / fax number given to you by our phone banking executives.

  • All Standard Chartered debit cards including the Business World debit card are covered under the lost card liability protection, which protects the cardholder against the misuse of their lost or stolen card.

  • PIN-based transactions including ATM transactions are not be covered, and neither are internet and MOTO transactions.

  • A maximum of INR 50,000 per card under this feature. Cover is only provided for POS transactions made 7 days prior to reporting the card has been lost, and for 30 days after (i.e. hotlisting time of the card).

  • The cardholder needs to immediately inform the bank and request his debit card be hot listed. In case any fraudulent transactions have taken place using the debit card, the cardholder will need to lodge a claim by submitting the following documents: Claim form for lost card liability (to be made available at the branches) original FIR copy clearly mentioning the loss of the debit card and its number. A copy of the statement with each of the fraudulent transaction clearly circled and signed by the person who signed the claim form.

  • The lost card liability offering will be valid for all point of sale transactions.

Terms and conditions

Rewards programme

The Business World debit card comes with a comprehensive rewards programme that allows you to earn points on transactions along with every banking facility you use so you have more points to accumulate and more points to redeem. You can earn rewards on the following transactions/facilities and more.

  • 1 reward point for every INR 100 you spend through your Business World debit card
  • 250 points for the first time you use your card at an ATM
  • 250 points for registering for SMS banking
  • 250 points for signing up for Straight2bank
  • 250 points for the first time you avail a business installment loan or loan against property from the bank
  • 250 points for every trade product sign up/utilization
  • 50 points for the first time you make a fixed deposit with the bank

Each reward point you earn is worth INR 1 and can be redeemed as cash credit into your company’s account once you have accumulated a minimum of 500 points. There is no limit to the cashback you can avail but bear in mind, the points you accumulate are valid and available for redemption only during the calendar year in which they were earned. Also, reward points are valid only as long as you hold a valid Business World debit card. Reward points are displayed in your current account statement.