Terms & Conditions:

1. This benefit is valid only on the Standard Chartered Bank (“SCB”) Debit Card.
2. This benefit is part of the product offering and may vary from card to card at the sole discretion of the bank.
3. Reward points can be redeemed through Online rewards portal which is accessible on Internet banking post login.
4. Reward points earned in the period of 1st Jan to 31st Dec will expire on 30th June of the subsequent year.
5. This offer is not valid on cash withdrawal, balance enquiry and POS cash advance transactions made by customers with their Debit Cards.
6. Applicable to customers residing in India only.
7. Only ‘undisputed’ transactions will qualify for benefit.
8. Only valid transactions will be considered for the benefi. Validity of the transaction shall be at the sole discretion of the Bank.
9. The participation in the offer is entirely voluntary & it shall be deemed to have been made on a voluntary basis.
10. The participation in the offer shall be deemed to be an acceptance of all the terms and conditions governing the offer, which can be amended from time to time at the sole discretion of the management of the Bank.
11. The Bank reserves the right to change / withdraw this offer at any point of time (without prior intimation to cardholder).
12. The existence of a dispute, if any, under this offer shall not constitute a claim against Standard Chartered Bank.
13. In all matters relating to this offer, the decision of the Bank shall be final and binding in all respects. Any dispute arising out of or in connection with this offer shall be subject to the exclusive jurisdiction of the courts in Mumbai only.
14. These terms and conditions are in addition and not in derogation to terms and conditions of Standard Chartered Bank Debit Cards.
15. Effective 1 April 2021, spends made on your debit cards on certain Merchant Categories will not earn reward points (“Excluded Merchant Categories”). Excluded Merchant Categories like Mutual Funds, Insurance and Insurance Premium, Railways, Government payments, payments towards Schools, Financial Services including credit card balance payment, loan payment, etc. For Merchant Category Codes of the Excluded Merchant Categories, please click here

General conditions:

• Gross Negligence is not covered
• Any claim due to deliberate breach of law would not be payable
• The cover is applicable only to active cards (An active card is defined as a card with one transaction / activity on any POS/e-commerce terminal in last 30 days from the date of loss/date of incidence)
• Claim should be reported by card holder to Royal Sundaram within 30 days of the date of incidence
• All documents must be submitted within 30 days of date of claim intimation to Royal Sundaram by Insured

Personal Accident – Air:

• In the event of accidental death arising out of Aircraft, schedule Airlines etc. as defined under the policy the claim would be payable only if the ticket is purchased from the covered card
• Pilots, armed forces, police, air crew are not covered
• Claim should be reported by card holder to Royal Sundaram within 30 days of the date of incidence
• All documents must be submitted within 30 days of date of claim intimation to Royal Sundaram by Insured

Purchase Protection:

• Cover against Standard Fire & Allied perils and theft or accidental damage in residential premises of the cardholder
• Cover valid for items purchased on debit cards only
• Cover is valid for 90 days from the date of purchase
• Jewellery and perishable items are not covered
• Earthquake and Terrorism are not covered
• Mysterious disappearance is not covered
• Claim should be reported by card holder to Royal Sundaram within 30 days of the date of incidence
• All documents must be submitted within 30 days of date of claim intimation to Royal Sundaram by Insured

Customers are advised to intimate Royal Sundaram of the claim by calling 1860 425 0000 or by sending a mail to customer.services@royalsundaram.in within 30 days of occurrence

For ‘Purchase Protection’ cover (upto INR 55,000):

Submit the duly filled in claim form (Download the form HERE) with the following documents within 30 days from intimation:

i) Card statement showing the transaction for item purchased
ii) Bills/Invoices for items purchased (Description, Quantity, Value, Nature of loss)
iii) FIR for burglary
iv) Final Police report, Non-traceable report issued by police authorities
v) Advance letter of subrogation on a Rs.100/- non-judicial stamp paper
vi) Detailed description of loss/accident in case of accidental damage along with statement from eye witness if any

For ‘Air accident’ cover (upto INR 1,00,00,000):

Submit the duly filled in claim form (Download the form HERE) with the following documents within 30 days from intimation:

i) Original Death certificate
ii) Post-mortem report
iii) First Information Report
iv) Inquest report/Panchanama Report
v) Extract of MLC/Accident Register
vi) Final report issued by Police Authorities (if sought)
vii) Chemical analysis report/viscera report (if preserved for analysis)
viii) Admission/Discharge/Death summary issued by the hospital authority
ix) Medical records pertaining to hospitalisation
x) English translation of vernacular documents
xi) Legal Heir Certificate / Succession Certificate or Alternate set of legal documents sought in the absence of nomination
xii) Any other document sought by the Company

All above documents to be mailed to Royal Sundaram with relevant Details, like;

Member name: as updated with the bank
Debit card number: please mention 16 digit card number
Royal Sundaram group Policy No: SCBSKH0002000101(for Air accident cover) or CPP0000010 (for Purchase Protection cover)
Type of claim: Air Accident / Purchase Protection
Claim recipient details: Policy Holder in case of Purchase Protection / Nominee details in case of Air Accident

Address for mailing the documents:

Customer Service Department,
M/s. Royal Sundaram General Insurance Co. Limited.,
Vishranthi Melaram Towers,
No.2/319, Rajiv Gandhi Salai (OMR),
Karapakkam, Chennai 600 097.
Tel: 91-44-7117 7117