MasterCard Cashback Credit Card

Special Features

Your Standard Chartered MasterCard Cashback Credit Card combines the global acceptability of MasterCard with amazing Cashback rewards.

This revolutionary card promises you the most attractive and transparent rewards program in Pakistan; guaranteed Cashback on fuel, groceries and all other retail expenditures, absolutely anywhere in Pakistan! Plainly, this credit card is committed towards reducing the burden of your monthly expenses by ensuring that you save and gain every time you spend.

Fuel

Avail 5% Cashback on up to PKR 10,000 of fuel transactions, and save up to PKR 500* on fuel each month! You can save upto PKR 6,000 every year on transactions at Fuel stations!

Supermarket

Avail 5% Cashback on Supermarket transactions of upto PKR 10,000 and save up to PKR 500* every month!

Electronic Outlets

Just when you think that the SCB Cashback Credit Card is just too good to be true, it gets even better. We are pleased to introduce 3% Cashback on Electronic Outlets in addition to your savings each month on your Fuel and Supermarket. You can save upto PKR 500* per month. However, there is an upper monthly cap of PKR 1,000 per Card.

Cashback Calculation

Every time you conduct a transaction, a credit entry (amounting to the % Cashback offered on that merchant category) will be made instantly against that transaction on your card account. For example, if you purchase PKR 1,000 worth of fuel on your SCB Credit Card, you will get PKR 50 in Cashback rewards immediately. The net amount charged to you for that transaction will be PKR 950.

More Features & Benefits

Global Acceptability

Your Standard Chartered Cashback Credit Card can be used at more than 30,000 establishments in Pakistan and over 24 million locations worldwide. This gives you convenience, recognition and security wherever you are. With the Standard Chartered Cashback Credit Card, you can pay for shopping, meals, travel, entertainment; virtually anything that money can buy. Whether you spend in dollars or in any other currency, all your billings will be in Pak Rupees.

Buy Now, Pay Later

With your Standard Chartered Cashback Credit Card, you have a free credit period of upto 51 days to pay for your purchases. The Standard Chartered Cashback Credit Card gives you the option of paying the minimum amount, which would be only 5% of your outstanding balance or Rs 500 (whichever is greater) by the payment due date. Maintenance Fee will be levied and the balance amount is carried forward. The following month, either pay the full amount, or if you wish, pay only the minimum amount due and revolve again.

Cash Advance

You do not need to carry cash any more, if you have a Standard Chartered Cashback Credit Card. Any amount up to 30% of your credit limit is available to you as cash. You can obtain cash advance at ATMs and financial institutions worldwide displaying the MasterCard logo.

24 hours Phone Banking Customer Service

You now have access to round-the-clock banking. At Standard Chartered Phone Banking, you can avail a variety of services through our self-service banking option or speak to your personal Phone Banker. The services available include Credit Card account balance information, bill payments and much more. Our Phone Bankers are available round-the-clock to register complaints and respond to your queries. For more information, just dial 111 002 002 or email us at: Ask.us@sc.com.

Supplementary Cards

Share the experience with your loved ones! You can gift family members, employees, or absolutely anyone with a Cashback Supplementary Card and let them enjoy the benefits and privileges Cashback Credit Cards have to offer. Avail up to 5 Supplementary Cards and have them made for anyone who is more than 18 years of age.

All your Supplementary Cardmembers share your basic credit limit. The Supplementary Cards will carry a separate account number so that incase of loss or theft, only the affected cards need cancellation. The unaffected Card(s) continue to enjoy uninterrupted Card usage. All charges incurred on the Supplementary Cards will be reported on your monthly statement.

eStatements

It's always our priority to provide our customers with optimal convenience. Standard Chartered offers you the facility to have your Credit Card statements emailed to you, so you can stay updated no matter where you are.

SMS Banking

Get the convenience, privacy and security of banking through your mobile phone. Receive instant access to your account information including your outstanding balance or payment due date. Simply register your mobile number with Standard Chartered SMS Banking and get complete control of your account whenever and wherever!

Internet Banking

Our free Internet Banking Service gives you the ability to manage your Credit Card and Bank Account 24 hours a day, 7 days a week.

Terms & Conditions

1. This Cashback offer is applicable only to the MasterCard Cashback Credit Card.
2. "Cashback Rewards" means a credit entry, subject to certain limits (where applicable),executed by the Bank on the Card Account based on Eligible Transactions.
3. "Cashback Percentage" means the percentage of the eligible transaction amount that would be given as "Cashback" and is subject to change as per the discretion of the bank. However, any such change would be informed to the Cardmember through communication of the same in the monthly card statement at least 30 days before any such change.
4. "Eligible Transaction" means any retail transaction (not being cash withdrawal, cash advance, loan or any other category of transactions as may be decided from time to time by the Bank at its sole discretion) belonging to the "Promoted Categories" which has successfully been posted on the card account and not charged back.
5. The promoted categories and the respective Cashback percentages for the "Cashback" card unless otherwise intimated are: Fuel – 5% Cashback with upper monthly cap of PKR 500, Supermarkets – 5% Cashback with upper monthly cap of PKR 500, and Electronic Merchants – 3% Cashback with upper monthly cap of PKR 500. Above all, there is an upper monthly cap of PKR 1,000 per Card.
6. Cashback Calculation: Every time you conduct a transaction, a credit entry (amounting to the % Cashback offered on that merchant category) will be made instantly against that transaction on your card account. For example, if you purchase PKR 1,000 worth of fuel on your SCB Credit Card, you will get PKR 50 in Cashback rewards immediately. The net amount charged to you for that transaction will be PKR 950.
7. "Promoted Category" means a category of transactions promoted from time to time by and / or subject to sole discretion of the Bank. *The "promoted categories" will be decided on the basis of merchant category code and merchant establishment code for the establishment where the purchase is made. Standard Chartered Bank (Pakistan) Limited reserves the sole right on whether a purchase meets the eligibility criteria as listed above.
8. The Bank will inform the Card Member / Account Holder about additional Promoted Categories from time to time by indicating the same on the statement of the Card Account.
9. Existing MasterCard Classic / Cricket Credit Cardmembers who have been upgraded to Standard Chartered MasterCard Cashback Credit Card to note that they will be receiving Standard Chartered Reward Points in addition to Cashback Rewards on eligible transactions until December 31, 2009. However, earning of all Reward Points on the Standard Chartered MasterCard Cashback Credit Card will cease after December 31, 2009. Only Cashback Rewards will be offered on the Cashback Credit Card January 1, 2010 onwards.
10. All new Standard Chartered MasterCard Credit Cardmembers to note that they will be receiving Standard Chartered Reward Points in addition to Cashback Rewards on eligible transactions until December 31,2009. However, earning of all Reward Points on the Standard Chartered MasterCard Cashback Credit Card will cease after December 31, 2009. Only Cashback Rewards will be offered on the Cashback Credit Card January 1, 2010 onwards.
11. Returned purchases, disputed or unauthorized / fraudulent transactions, finance charges, card account fees and charged back transactions would not be given a Cashback under this program.
12. Cardmembers who, at the sole discretion of the Bank, are considered delinquent on their card account will not be eligible for the Cashback offer. Further, in the event a Cardmember who, at the sole discretion of the Bank, is considered delinquent on his/her card account during the offer period, will have the credited Cashback amount reversed.
13. Eligible transactions conducted oversees will be eligible for the Cashback offer.
14. The Cardmember terms and conditions shall continue to apply to the Cardmember.

Effective 16th August 2012, New Cashback offer will be applied on the Credit Card mentioned above. Click here for more details.

FAQs

• • What is Standard Chartered MasterCard Cashback Credit Card and how is it different from other Credit Cards?
    The SCB MasterCard Cashback Credit Card is the first Cashback card in Pakistan equipped with a rewards program that is specially designed to reduce the burden of your monthly expenses. No other credit card in Pakistan gives you such kind of cash rebate on your transactions. The SCB Cashback Credit Card offers you the best value for your money.

  • How do I activate my SCB MasterCard Cashback Credit Card?
    Upon receiving your SCB MasterCard Cashback Credit Card, simply call our Contact Centre at 111 002 002 from your contact numbers (Office / Residence) registered on our system and get it activated.

• • Where can I use my SCB MasterCard Cashback Credit Card?
    The SCB MasterCard Cashback Credit Card can be used globally for any transaction at any merchant outlet accepting MasterCard Credit Cards.

  • What benefits will I get on my SCB MasterCard Cashback Card?
    You will get 5% Cashback on all your Fuel transactions of up to PKR 10,000 each month. You will also get 5% Cashback on all your Supermarket transactions of up to PKR 10,000 each month. Moreover, you will get 3% Cashback on Electronic Merchants. In addition to all this, you are eligible for all the benefits explained in the Features and Benefits portion of the Welcome guide.

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