Easy Credit

What is Easy Credit?

Easy Credit is a revolving facility that provides you the convenience of cash up to your cash advance limit to meet your urgent financial needs. Easy Credit facility provides you with a cheque book, which means you can pay anyone through cheques.

Is there a cash withdrawal limit with my Easy Credit?

You can withdraw cash up to 90% of your credit limit. For example, if your credit limit is Rs. 100,000 then you can withdraw maximum Rs. 90,000

How is it better than any other credit facility?

Easy Credit offers you a globally accepted Credit Card, a highly competitive APR and a cheque book facility.

Do I need to be a Standard Chartered Account Holder or Standard Chartered Card member to be eligible?

No, you just need to meet the Easy Credit criteria.

Do I have to apply for the Easy Credit cheque book?

No, it will be issued to you as part of your Easy Credit welcome pack.

Where can I use the Easy Credit cheque book and how?

You can use the Easy Credit cheque book anywhere you like. For example, Easy Credit cheques can be used for payments where the merchant does not have a Credit Card processing machine or does not accept Credit Cards. It can also be used to pay anyone with a bank account. However Easy Credit cheques are 'Account Payee' cheques and can only be used within Pakistan.

Is there a difference between an ordinary account cheque and an Easy Credit cheque?

Yes, there is, the amount is debited from the client's bank account when using an ordinary account cheque, whereas with an Easy Credit cheque, the amount mentioned on the cheque is deducted from your Easy Credit Card Account. This means you don't have to pay the whole amount at the same time. Also Easy Credit Cheques are 'Account Payee' cheques only, i.e. the amount mentioned on the cheques can only be credited to the payee's account.

How and where can I use the Easy Credit Card?

The Easy Credit can be used globally at any merchant establishment where a MasterCard is accepted. Secondly, Easy credit has the convenience of a cheque book which can be used to make payments to anyone with a bank account. Lastly, you can use Online Banking to make bill payments, fund transfers and much more.

Whom can I pay with Easy Credit Card?

You can pay anyone. You can use your Easy Credit Card at any merchant accepting Credit Cards, or you can use an Easy Credit cheque to make a payment where Credit Cards are not accepted.

Is this service extended to Supplementary Card members?

Yes. This service is valid for both Basic and Supplementary Card members.

Will I be charged a fee for cash withdrawal / cash advance?

No fee is charged for cheques used to pay third parties or for cash withdrawals through ATM or Online Banking.

Can I transfer my outstanding balance from another bank's credit card to Easy Credit?

Yes, you can transfer the outstanding balance from any other bank's credit cards to Standard Chartered Easy Credit Account at an extremely competitive rate (Easy Credit Terms and Conditions apply).

Do I have to clear my entire outstanding balance at the end of each month?

No, you can choose to revolve your credit and repay as little as 1% of your principal outstanding and all fees and charges of the total outstanding balance.

How will I be charged the service fee?

A highly competitive financial charge per month will be levied from the transaction date till the complete outstanding balance on your Easy Credit is paid in full.

How and where do I make my monthly payments?

You can make your monthly payment by:

  • Paying cash over the counter at any Standard Chartered branch in Pakistan.
  • Sending a cheque / pay order / draft in the name of 'Standard Chartered Bank, Credit Cards' by mail or through the Drop Box at any Standard Chartered branch. Please indicate your name and card number on the reverse of the cheque.
  • Through Auto Debit for Standard Chartered Current / Savings account holders (either the minimum amount due or the total outstanding amount).
  • Via Telegraphic Transfer. Your payment will be credited to your card account after funds are received by Standard Chartered, Retail Clients, Cards, Pakistan.
  • Online Banking
What should I do if I encounter a problem with my Easy Credit Card account?

If you face any problem with your Card or Card Account, call our 24-hour Contact Centre on 111 002 002 or e-mail your queries to ask.us@sc.com

What should I do if I lose my Card, Cheque Leaf or Chequebook?

In the event that your card, cheque leaf or chequebook is lost or stolen, please report it immediately at 111 002 002.

What if I have a discrepancy / error on my monthly statement?

If you notice any discrepancy in your monthly statement, report the matter to our Contact Centre within 7 days. In order to check statement entries, retain all your sales slips and printed receipts. This will help you keep a record of all your transactions.

MasterCard CashBack Credit Card

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.

What does "Cashback" mean?

"Cashback" means a credit entry, subject to certain limits (where applicable), executed by the Bank on the Card Account based on Eligible Transactions.

Will I receive my Cashback rewards in Cash?

No. Every time you conduct a transaction, a credit entry (amounting to the % Cashback offered on that merchant category) will be made against that transaction on your card account. For example, if you purchase PKR 1,000 worth of fuel on your SCB Cashback Credit Card, you will get PKR 50 as Cashback.

Will I get Cashback Rewards if I pay cash?

No. You can only avail the Cashback rewards through you SCB MasterCard Cashback Card.

What if I have a discrepancy / error on my monthly statement?

If you notice any discrepancy in your monthly statement, report the matter to our customer service within 7 days. In order to check statement entries, retain all your sales slips and printed receipts. This will help you keep a record of all your transactions.

Where can I avail the 5% Cashback?

You can avail 5% Cashback on all fuel outlets and supermarkets across Pakistan.

Is there a limit to how much Cashback I can earn on my transactions?

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.

Cashback Calculation
Every time you conduct a transaction, a credit entry (amounting to the % Cashback offered on that merchant category) will be made against that transaction on your card account. For example, if you purchase PKR 1,000 worth of fuel on your SCB MasterCard Credit Card, you will get PKR 50 as Cashback.

Will Cashback also be offered on other merchant categories?

Yes. Additional Cashback offers will be designed from time to time as seasonal promotions. Such offers will be communicated to you by the Bank by indicating the same on the statement of the Card Account and through brochures mailed with your monthly credit card statement.

In which scenarios will I be denied Cashback Rewards?

In the scenario that your domestic retail transaction is reversed, disputed, unauthorized, or fraudulent, Cashback rewards will not be credited. Lastly, Cashback is not offered on finance charges, card account fees and charged back transactions. Furthermore, there is no Cashback on retail transactions other than Fuel, Supermarket and Electronics.

Is the Cashback applicable on taxes?

Yes, the Cashback is applicable on the final transaction amount charged; this amount is inclusive of taxes.

Will I get a Cashback if I pay for someone else?

Yes, you will always be eligible for a Cashback reward every time you conduct a transaction on your credit card to purchase fuel, groceries, or electronics.

What should I do if I have problems with my SCB MasterCard Cashback Credit Card Account?

If at any time you face a problem regarding your Credit Card account, call our 24-hour Contact Centre Representatives at 111 002 002 or you can email your enquiries on our online helpline at: Ask.us@sc.com

How should I handle a change in my address?

You can simply inform us of your new mailing address by calling our 24-hour Contact Centre at 111 002 002 and updating your profile.

What if I don't want my SCB MasterCard Cashback Credit Card, or wish to cancel it?

If for any reason, you do not wish to continue using your SCB MasterCard Cashback Credit Card, please cut the Card into half, and send both halves to our Customer Service Unit. Please do not return your ATM PIN mailer with your Card.

Is there a cash withdrawal limit on my Credit Card?

You can withdraw cash up to 30% of your credit limit. For example, if your credit limit is PKR 100,000 and your withdrawal limit is 30%, then your cash withdrawal limit will be PKR 30,000.

Will I be charged any cash withdrawal fee?

On cash withdrawals through ATMs or over the counter transactions, a cash advance fee of PKR 1,000 or 3% of the transaction amount, whichever is higher, will be charged.

Can my Supplementary Card members also avail Cashback rewards?

Yes. However, the monthly upper limits on the Cashback Rewards will be that of the primary cardholder.

What if my Card or any of my Supplementary Cards is lost / stolen / misplaced?

In the event that the card(s) is lost, stolen or misplaced, please report it immediately to our Contact Centre Representatives on 111 002 002. After you have informed us, you will instantly be secured against any unauthorized transactions.

MasterCard Titanium Credit Card

What is a Standard Chartered MasterCard Titanium Credit Card and how is it different from other Credit Cards?

The SCB MasterCard Titanium Credit Card is a premium Cashback 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 rebate on your transactions. The SCB MasterCard Titanium Credit Card offers you the best value for your money.

How do I activate my SCB MasterCard Titanium Credit Card?

Upon receiving your SCB MasterCard Titanium 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 Titanium Credit Card?

The SCB 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 SCB MasterCard Titanium 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 this guide.

What does "Cashback" mean?

"Cashback" means a credit entry, subject to certain limits (where applicable), executed by the Bank on the Card Account based on Eligible Transactions.

Will I receive my Cashback rewards in Cash?

No. Every time you conduct a transaction, a credit entry (amounting to the % Cashback offered on that merchant category) will be made 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 as Cashback.

Will I get Cashback Rewards if I pay cash?

No. You can only avail the Cashback rewards through you SCB MasterCard Titanium Card.

Where can I avail the 5% Cashback?

You can avail 5% Cashback on all fuel outlets and supermarkets across Pakistan.

Is there a limit to how much Cashback I can earn on my transactions?

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.

Cashback Calculation
Every time you conduct a transaction, a credit entry (amounting to the % Cashback offered on that merchant category) will be made 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 as Cashback.

Will Cashback also be offered on other merchant categories?

Yes. Additional Cashback offers will be designed from time to time as seasonal promotions. Such offers will be communicated to you by the Bank by indicating the same on the statement of the Card Account and through brochures mailed with your monthly credit card statement.

In which scenarios will I be denied Cashback Rewards?

In the scenario that your domestic retail transaction is reversed, disputed, unauthorized, or fraudulent, Cashback rewards will not be credited. Lastly, Cashback is not offered on finance charges, card account fees and charged back transactions. Furthermore, there is no Cashback on retail transactions other than Fuel, Supermarket and Electronics.

Is the Cashback applicable on taxes?

Yes, the Cashback is applicable on the final transaction amount charged; this amount is inclusive of taxes.

Will I get a Cashback if I pay for someone else?

Yes, you will always be eligible for a Cashback reward every time you conduct a transaction on your credit card to purchase fuel, groceries, or electronics.

Will I also get SCB Treasure Points on my SCB MasterCard Titanium Credit Card?

No, SCB Titanium Credit Card is only eligible for Cashback Rewards.

What should I do if I have problems with my SCB MasterCard Titanium Credit Card Account?

If at any time you face a problem regarding your Credit Card account, call our 24-hour Contact Centre Representatives at 111 002 002 or you can email your enquiries on our online helpline at: Ask.us@sc.com

How should I handle a change in my address?

You can simply inform us of your new mailing address by calling our 24-hour Contact Centre at 111 002 002 and updating your profile.

What if I don't want my SCB MasterCard Titanium Credit Card, or wish to cancel it?

If for any reason, you do not wish to continue using your SCB MasterCard Titanium Credit Card, please cut the Card into half, and send both halves to our Customer Service Unit. Please do not return your ATM PIN mailer with your Card.

Is there a cash withdrawal limit on my Credit Card?

You can withdraw cash up to 30% of your credit limit. For example, if your credit limit is PKR 100,000 and your withdrawal limit is 30%, then your cash withdrawal limit will be PKR 30,000.

Will I be charged any cash withdrawal fee?

On cash withdrawals through ATMs or over the counter transactions, a cash advance fee of PKR 1,000 or 3% of the transaction amount, whichever is higher, will be charged.

Can my Supplementary Card members also avail Cashback rewards?

Yes. However, the monthly upper limits on the Cashback Rewards will be that of the primary cardholder.

What if I have a discrepancy / error on my monthly statement?

If you notice any discrepancy in your monthly statement, report the matter to our Contact Centre Representative on 111 002 002, within 14 days of receipt of your statement. In order to check statement entries, retain all your sales slips and printed receipts. This will help you keep a record of all your transactions.

What if my Card or any of my Supplementary Cards is lost / stolen / misplaced?

In the event that the card(s) is lost, stolen or misplaced, please report it immediately to our Contact Centre Representatives on 111 002 002. After you have informed us, you will instantly be secured against any unauthorized transactions.

Visa Gold and Classic Card

How and where can I use my Standard Chartered Credit Card?

Your Standard Chartered Credit Card can be used in Pakistan and as well as globally for any transaction at any merchant outlet accepting VISA and/or MasterCard Credit Cards.

Is there a cash withdrawal limit with my credit card?

Cash withdrawal is limited to 30% of your available credit limit.

Will I be charged any cash withdrawal / cash advance fee?

For cash withdrawals through ATM's or over the counter transactions, a nominal fee will be charged as per the Schedule of Charges.

Can I transfer the outstanding balance from another bank's Credit Card to my Standard Chartered Credit Card?

Yes, you can transfer your other Credit Card's outstanding balance to your Standard Chartered Credit Card at a nominal financial charge of 3.25% per month (MasterCard) and 3.25% per month (VISA). When you transfer balances on to your Standard Chartered Credit Card, you will also earn Treasure points, which you can redeem for exciting gifts from our Treasures Catalogue.

Do I have to clear my entire outstanding balance at the end of each month?

You have the option of paying back the entire availed amount or paying as little as 5% of your outstanding balance at competitive financial charges. Your remaining outstanding amount will be carried forward to your next monthly statement, where you will again have the choice of paying as little as 5% of the outstanding amount (the minimum amount due) or the entire amount along with financial and other charges.

How will I be charged the service fee for retail transactions?

With Standard Chartered's VISA and MasterCard, you have the opportunity to avail up to 51 free credit days. That means no service fee will be charged if you pay back your entire amount within the due date. However, you can also choose to make minimum payment of as low as 5% of your outstanding balance at a highly competitive financial charge of 3.25% per month on VISA and MasterCard Credit Card.

What if I have a discrepancy / error on my monthly statement?

If you notice any discrepancy in your monthly statement, report the matter to our Contact Centre on 111 002 002 within 7 days. In order to check statement entries, retain all your sales slips and printed receipts. This will help you keep a record of all your transactions.

How and where do I make my monthly payments?

You can make your monthly payment by:

  • Paying cash over the counter at any of the Standard Chartered branches in Pakistan.
  • Sending a cheque / pay order / draft in the name of Standard Chartered Bank, Credit Cards' by mail or through the drop box at all Standard Chartered branches. Please indicate your name and card number on the reverse of the cheque.
  • Through AutoDebit for Standard Chartered customers (minimum amount due or the total amount).
  • By Telegraphic Transfer. Your payment will be credited to your Card account after funds are received by Standard Chartered, Consumer Banking, Cards – Pakistan.
What should I do if I lose my Card?

In the event that your Card is lost or stolen, please report it to a member of our Contact Centre immediately on 111 002 002.

What do I do if I encounter problems with my Standard Chartered Credit Card account?

If at any time you face any problem regarding your Credit Card or Credit Card account, call our 24-hour Customer Service on 111 002 002 or you can email your queries directly to ask.us@sc.com

Visa Platinum Credit Card

How do I activate my Standard Chartered VISA Platinum Credit Card?

Upon receiving your VISA Platinum Credit Card, simply call our Customer Services at 111 002 002 from one of your officially registered contact numbers and we'll do the rest.

Where can I use Standard Chartered VISA Platinum Credit Card?

The Standard Chartered VISA Platinum Credit Card can be used at a vast range of merchant outlets that accept VISA Credit Cards all over the world.

Is there a cash withdrawal limit on my credit card?

You can withdraw up to 30% of your credit limit in cash. For example, if your credit limit is PKR 100,000 and your withdrawal limit is 30%, then your cash withdrawal limit will be PKR 30,000.

Will I be charged cash withdrawal fee?

OOn cash withdrawals through ATMs or over the counter transactions, PKR 600 or 3% of the transaction amount will be charged, whichever is higher.

What if my Card or any of my Supplementary Cards is lost / stolen / misplaced?

In the event that the card(s) is lost, stolen or misplaced, please report it immediately to our Contact Centre Representatives on 111 002 002. After you have informed us, you will instantly be secured against any unauthorized transactions.

What if I have a discrepancy / error on my monthly statement?

If you notice any discrepancy in your monthly statement, report the matter to our Contact Centre Staff on 111 002 002, within 14 days of receipt of your statement. In order to check statement entries, retain all your sales slips and printed receipts. This will help you keep a record of all your transactions.

What if I don't want my SCB VISA Platinum Credit Card, or wish to cancel it?

If for any reason, you do not wish to continue using your SCB VISA Platinum Credit Card, please cut the Card into half, and drop both halves to any of our dropboxes. Please do not return your ATM PIN mailer with your Card.

What should I do if I have problems with my SCB VISA Platinum Credit Card Account?

If at any time you face a problem regarding your credit Card account, call our 24-hour Contact Centre Representatives at 111 002 002 or you can email your enquiries on our online helpline at: Ask.us@sc.com.

How should I handle a change in my address?

You can simply inform us of your new mailing address through a customer static data change request from, which can be obtained from any of our branches. The same needs to be submitted to the branch for further processing.

What is a Standard Chartered VISA Platinum Credit Card and how is it different from other Credit Cards?

The Standard Chartered VISA Platinum Credit Card is a premium Credit Card, combining the global acceptability of VISA with high end Platinum benefits. This powerful and advanced credit card offers you a high spending limit, in addition to world class concierge services in both Pakistan and abroad. The VISA Platinum comes in two variants, VISA Platinum & PIA CoBrand Platinum.

Is there a cash withdrawal limit on my Credit Card?

You can withdraw cash up to 30% of your credit limit. For example, if your credit limit is PKR 100,000 and your withdrawal limit is 30%, then your cash withdrawal limit will be PKR 30,000.

Will I be charged any cash withdrawal fee?

On cash withdrawals through ATMs or over the counter transactions, a cash advance fee of PKR 1,000 or 3% of the transaction amount, whichever is higher, will be charged.

How should I handle a change in my address?

You can simply inform us of your new mailing address through a customer static data change request form, which can be obtained from any of our branches. The same needs to be submitted to the branch for further processing.

Visa Debit Card

What is Visa Debit Card?

Visa Debit Card is an internationally accepted Visa ATM / Debit Card that is linked to your Standard Chartered Bank account, allowing spending on shopping outlets and cash withdrawals at ATMs.

What is the difference between a Visa Debit and a Credit card?

A Visa Debit Card allows you to pay for your purchases using your own money through the Visa network, while a credit card provides you with the ability to access credit, which you then repay at a later date.

This means with Visa Debit Card you can access the Visa network using your own money without worrying about receiving a credit card bill at the end of each month.

How do I make a purchase using my Visa Debit Card?
  • On your purchase the cashier will 'swipe' the Card and give you a charge slip
  • Check the transaction amount and sign the slip
  • Once the transaction is complete, the amount will be deducted from your Standard Chartered Bank Account
How long is my Card valid for?

The validity period of the card is 5 years from the date of issue.

What is the maximum amount that I can withdraw using Visa Debit Card?

ATM withdrawal of up to Rs. 30,000 per instance.

 

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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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