Benefits

  • Fast & Convenient

    Fast & Convenient


    Fumbling for cash or waiting to sign a receipt can be a hassle. With contactless, making purchases is a whole lot easier. To pay, simply place your card over the Contactless reader & you are good to go in no time.

  • Safe & Secure

    Safe & Secure


    Your contactless card never leaves your hand, so you have even more peace of mind.

  • Still a regular card

    Still a regular card


    Continue to enjoy the many benefits of your card on top of the latest contactless payment technology. Your card may still be inserted or swiped at card terminals for payment like a regular card.

  • Transaction limit

    For debit cards, there is no cap on the number of contactless transactions done in a day on POS. The transaction limit per transaction on POS is INR 2000 as per extant guidelines

  • Online transactions

    Contactless transactions can only be done at physical terminals, which are contactless enabled. Online transaction will continue to be processed the same way as they do currently.

  • Transaction fulfillment

    The terminal at the outlet will indicate that the payment has been completed with a message & will also print out a charge-slip for the transaction, like any other transaction.

FAQ

What is Contactless?
  • Fast and convenient

Fumbling for cash or waiting to sign a receipt can be a hassle. With Contactless, making purchases is whole lot easier. To pay, simply place your card over the Contactless reader and you are good to go in no time.

  • Safe and secure

Your Contactless card never leaves your hand, so you have even more peace of mind.

  • Still a regular card

Continue to enjoy the many benefits of your card on top of the latest Contactless payment technology. Your card may still be inserted or swiped at card terminals for payment like a regular card.

How does it work?
  • Step 1 Look for the Contactless symbol at point of purchase.
  • Step 2 To pay, place your card over the reader at close range (less than 4 cm from where the Contactless logo appears).
  • Step 3 Once the reader confirms that your transaction is approved you’re ready to go! No signature or PIN required below INR 2,000.
Where can you use Contactless?

Look for the Contactless ripple mark on your credit card as well as the terminal at the store. This is not restricted to Contactless enabled terminals in India and can be used globally

Is this payment mode secure?

Yes, this payment mode is very secure. The technology rides on Radio Frequency (RF) similar to an RFID tag, but with more secure microprocessors which have the ability to perform cryptographic processing. The encryption technology used to send the transaction message is the same as the present chip+PIN encryption. The maximum transaction value that can be processed by tap-only (without a PIN) is restricted to INR 2,000, hence limiting your risk. The Reserve Bank of India, vide its circular has relaxed the requirement of Additional Factor of Authentication (AFA) in case of small value card present transactions using Near Field Communication (NFC) Contactless technology, subject to adherence to EMV standards.

What happens if the terminal is not Contactless enabled?

Your card can still function as a regular card for Chip+PIN transaction or swipe transactions.

Can my transaction get triggered if I walk past the device?

No, the Contactless system is designed to give the cardholder control. The vendor at the terminal needs to enter the purchase amount for approval and the card needs to be held in close proximity of the terminal for the transaction to occur. Also, terminals can only process one payment at a time. Each Contactless transaction includes a unique code that changes with each purchase, which can only be used once and can only be generated by the chip in the original Contactless card, preventing a counterfeit card from being produced from the intercepted card security details. In the unlikely event of fraud, you must notify us immediately or as soon as reasonably possible of any unauthorised card use or any suspicious activities.

What is the transaction limit that is set?

The maximum transaction amount that can be processed with Contactless is INR 2,000, which is the cap set by the RBI. For transactions over INR 2,000 you will be prompted to do a dip and enter your PIN.

Is this transaction limit valid globally?

No, the transaction limits globally are set based on the local market consumption pattern and varies by country. The limit depends on the location where the Contactless transaction is initiated. The INR 2,000 limit is valid for transaction initiated at Contactless terminals in India.

Learn more »

Terms and Conditions

Terms and Conditions

Please click here to refer detailed Terms & Conditions.

FAQ

    • How does it work?

      • Step 1 Look for the Contactless symbol at point of purchase.
      • Step 2 To pay, place your card over the reader at close range (less than 4 cm from where the Contactless logo appears).
      • Step 3 Once the reader confirms that your transaction is approved you’re ready to go! No signature or PIN required below INR 2,000.

    • Is this payment mode secure?

      Yes, this payment mode is very secure. The technology rides on Radio Frequency (RF) similar to an RFID tag, but with more secure microprocessors which have the ability to perform cryptographic processing. The encryption technology used to send the transaction message is the same as the present chip+PIN encryption. The maximum transaction value that can be processed by tap-only (without a PIN) is restricted to INR 2,000, hence limiting your risk. The Reserve Bank of India, vide its circular has relaxed the requirement of Additional Factor of Authentication (AFA) in case of small value card present transactions using Near Field Communication (NFC) Contactless technology, subject to adherence to EMV standards.

    • Can my transaction get triggered if I walk past the device?

      No, the Contactless system is designed to give the cardholder control. The vendor at the terminal needs to enter the purchase amount for approval and the card needs to be held in close proximity of the terminal for the transaction to occur. Also, terminals can only process one payment at a time. Each Contactless transaction includes a unique code that changes with each purchase, which can only be used once and can only be generated by the chip in the original Contactless card, preventing a counterfeit card from being produced from the intercepted card security details. In the unlikely event of fraud, you must notify us immediately or as soon as reasonably possible of any unauthorised card use or any suspicious activities.

    • Is this transaction limit valid globally?

      No, the transaction limits globally are set based on the local market consumption pattern and varies by country. The limit depends on the location where the Contactless transaction is initiated. The INR 2,000 limit is valid for transaction initiated at Contactless terminals in India.

    • How many Contactless transactions can I do in a day?

      For debit cards, there is no on the number of contactless transactions done in a day on POS. The transaction limit per transaction on POS is INR 2000 as per extant guidelines.

    • What happens if my card is stolen-can the person use it repeatedly?

      Safeguards are in place to mitigate the use of a lost or stolen Contactless card by a fraudster. There is a Contactless transaction limit set as low as INR 2,000, above which the transaction cannot be authorised without PIN verification. Transactions are analysed by the card issuer and global payment networks in real-time to identify fraud patterns and detect suspicious transactions. You will not be held responsible for fraudulent charges or unauthorised purchases made using the Contactless feature on your chip card. You must notify us immediately or as soon as reasonably possible of any unauthorised card use or any suspicious activities.

    • What is Contactless?

      • Fast and convenient

      Fumbling for cash or waiting to sign a receipt can be a hassle. With Contactless, making purchases is whole lot easier. To pay, simply place your card over the Contactless reader and you are good to go in no time.

      • Safe and secure

      Your Contactless card never leaves your hand, so you have even more peace of mind.

      • Still a regular card

      Continue to enjoy the many benefits of your card on top of the latest Contactless payment technology. Your card may still be inserted or swiped at card terminals for payment like a regular card.

    • Where can you use Contactless?

      Look for the Contactless ripple mark on your credit card as well as the terminal at the store. This is not restricted to Contactless enabled terminals in India and can be used globally

    • What happens if the terminal is not Contactless enabled?

      Your card can still function as a regular card for Chip+PIN transaction or swipe transactions.

    • What is the transaction limit that is set?

      The maximum transaction amount that can be processed with Contactless is INR 2,000, which is the cap set by the RBI. For transactions over INR 2,000 you will be prompted to do a dip and enter your PIN.

    • What happens if I have to do an online transaction?

      Contactless transactions can only be done at physical terminals, which are Contactless enabled. Online transaction will continue to be processed the same way as they do presently with the OTP validation

    • Can I opt for the card without the Contactless feature?

      Contactless is a permanent feature of the card and cannot be disabled. However, you are free to use the card only to perform dip transactions, which will require you to enter a PIN. How will I know my transaction has been completed? The terminal at the outlet will indicate that the payment has been completed with a message and will also print out a charge-slip for the transaction, like in any transaction.

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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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