Smart Cheque

Choose the smart way to get smart for life with 'Smart Cheque'.

How it works

You can make any payment to educational institutions or any other merchant establishment by 'Smart Cheque' with your Standard Chartered Credit Card. Be it school fees or higher educational expenses, simply call the Bank and state your requirement. Your request will be processed in two working days.

Key features

  • Minimum transaction value: Rs. 10,000
  • Maximum transaction value: Available Credit limit on your Credit Card
  • Repayment options:

Option 1 – Select to repay the transaction with a oneoff processing fee of 2% (on the value of the cheque) and monthly interest.
Illustration: For a Rs.10,000 “Smart Cheque” facility, a oneoff processing fee of Rs.200 and a monthly interest rate will be levied.

Option 2 - Select to repay the transaction in equal monthly instalments with a oneoff processing fee. Available tenors are 3, 6, 12 and 24 and the applicable one off processing fee. Illustration: For a Rs. 10,000 transaction.

Tenor 03 06 12 24
Monthly instalment (Rs.) 3,333 1,667 833 417
One off processing fee (Rs.) 500 (5%) 800 (8%) 1,400 (14%) 1,700 (17%)
Monthly interest (%) 0% 0% 0% 0%
  • 360° Rewards Points/Miles will not be awarded for this facility

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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.


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.