Guaranteed to help you manage your expenses in the most cost effective manner.
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Special Features

No matter where you are in the world, the premium MasterCard Titanium Credit Card allows you to enjoy round-the-clock travel and entertainment support with the vibrant Concierge Service program. You will also receive personalised customer service, as well as a host of travel, dining and other dynamic MasterCard benefits that truly befit your lifestyle.

Fuel

Purchase fuel, lubricants or car servicing at any fuel outlet in Pakistan and receive an instant 5% cashback on your transactions. You can receive up to PKR 10,000 in cashback on fuel transactions and could save up to PKR 500* each month. Life is more rewarding with the MasterCard Titanium Credit Card.

Supermarket

You can also claim cashback rewards at the local supermarket when you buy groceries, detergents, toiletries etc. You'll earn 5% cashback on all supermarket transactions of up to PKR 10,000 and could save up to PKR 500* every month.

Electronic Outlets

The Standard Chartered MasterCard Titanium Credit Card also offers you 3% cashback at electronics outlets, helping you save up to PKR 500* per month.
However, there is an upper monthly cap of PKR 1,000 per card.

Cashback Calculation

Every time you complete a transaction, we'll instantly credit your account with your cashback based on the terms agreed with the vendor. For example, if you purchase PKR 1,000 worth of fuel on your card, you will receive PKR 50 in cashback rewards immediately. The net amount charged to you for that transaction would be PKR 950.

More Features & Benefits

Global Acceptability

Your Standard Chartered Titanium Credit Card can be used at more than 30,000 establishments in Pakistan and over 24 million locations worldwide, offering you unrivalled convenience, recognition and security wherever you are. You can use your MasterCard Titanium to pay for shopping, meals, travel and entertainment – virtually anything that money can buy. Whether you spend in USD or another currency, all your billings will be in PKR.

Buy Now, Pay Later

With your Standard Chartered Titanium Credit Card, you receive a free credit period of up to 51 days to pay for your purchases. The card also gives you the option of paying the minimum amount, which is only 5% of your outstanding balance, or PKR 500 (whichever is greater) by the payment due date. Maintenance fees will be levied and the balance will be carried forward, and the following month you can choose whether to pay the full amount or the minimum payment.

Cash Advance

You don't need to carry money when you have a Standard Chartered Titanium Credit Card, because you can withdraw up to 30% of your credit limit as cash. Simply use your card to withdraw a cash advance at ATMs and financial institutions worldwide displaying the MasterCard logo.

Concierge Services

Our country-wide Titanium Concierge Services ensure that the next time you need to send flowers home, get around the city or book tickets to the movies, all you have to do is call UAN: 111 722 723 and leave the rest to us.

Supplementary Cards

Share the experience with your loved ones by gifting friends and family with a supplementary credit card, which offers a wide range of benefits and privileges. You can take out up to five supplementary cards and give them to anyone who is over 18 years of age.

Supplementary card members share your basic credit limit, however the card itself will have a separate account number in case it needs cancelling due to loss or theft. The unaffected card(s) can still be used. All charges incurred on supplementary cards will be reported on your monthly statement..

eStatements

It's always our priority to provide our customers with optimal convenience, which is why we give you the option of receiving your statements by email. We keep you up to date no matter where you are.

SMS Banking

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

Internet Banking

Our free Internet Banking Service allows you to manage your credit card and bank account 24 hours a day, 7 days a week.

CIP Lounge

Complimentary access to CIP lounges in Karachi, Lahore and Islamabad airports.

Terms & Conditions

  1. This cashback offer is applicable only to the MasterCard Titanium 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 card member 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 would 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 Gold Credit Card members who have been upgraded to the Standard Chartered MasterCard Titanium Credit Card to note that that they will be receiving Standard Chartered Treasure Points in addition to cashback Rewards on eligible transactions until April 30, 2010. However, earning of all Treasure Points on the Standard Chartered. Titanium Credit Card will cease after April 30, 2010. Subsequently, only cashback Rewards will be offered on the Standard Chartered Titanium Credit Card May 1, 2010 onwards. Please note, that your accumulated Treasure Points will still be valid after this date and you may redeem them for a gift item of your choice.
  10. All new Standard Chartered MasterCard Titanium Credit Card members to note that that they will be receiving Standard Chartered Treasure Points in addition to cashback Rewards on eligible transactions until April 30, 2010. However, earning of all Treasure Points on the Standard Chartered Titanium Credit Card will cease after April 30, 2010 Subsequently, only cashback Rewards will be offered on the Standard Chartered Titanium Credit Card May 1, 2010 onwards. Please note, that your accumulated Treasure Points will still be valid after this date and you may redeem them for a gift item of your choice.
  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. Card members 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 card member 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 card member terms and conditions shall continue to apply to the card member.

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

FAQs

    • What is a Standard Chartered MasterCard Titanium Credit Card and how is it different from other Credit Cards?
      The Standard Chartered MasterCard Titanium 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 instant cash rebates on your transactions, which means this card offers you the best value for your money.

    • How do I activate my Standard Chartered MasterCard Titanium Credit Card?
      Upon receiving your Standard Chartered MasterCard Titanium Credit Card, simply call our Customer Service Team at 111 002 002 from one of your officially registered contact numbers and we'll do the rest.

    • Where can I use my Standard Chartered MasterCard Titanium Credit Card?
      The Standard Chartered MasterCard Titanium Credit Card can be used globally for any transaction at any merchant outlet accepting MasterCard credit cards.

    • What benefits will I get on my Standard Chartered MasterCard Titanium Card?
      You will receive 5% cashback on all your fuel transactions up to PKR 10,000 each month. You will also receive 5% cashback on all your supermarket transactions up to PKR 10,000 each month. Moreover, you will receive 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 this guide.

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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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