CardSafe guarantee icon

Enjoy peace of mind when you shop online with your Standard Chartered Credit Card as you will not be liable for any unauthorised online transactions*.

Here are some simple steps you can take for a safer online shopping experience.
  1. Follow our recommended security practices under "How can you protect yourself from an unauthorised online transaction?" and ensure that online security has not been compromised
  2. Monitor your credit card transactions regularly and check your statements
  3. Inform us of any unauthorised online transactions made on your credit card immediately upon discovery, and within 14 days from the date of your statement of account. Simply contact us at

    Toll Free Local Number1800 747 7000
    From overseas +65 6747 7000

Terms and Conditions »

How do we protect you from unauthorised online transactions?

SMS Alerts
We send you an alert every time a transaction is made on your credit card. You can choose and pre-set a threshold amount so we send you a message whenever transactions over and above are made.

OTP for 3-D secure online transactions
A One-Time Password (OTP) will be sent to the mobile phone registered with us for completion of online transactions made at a 3-D secure merchant. This provides an additional layer of authentication during the transaction. Make sure you and your supplementary cardholder's details are always updated.

Round-the-Clock Protection
Our fraud detection system works round the clock, watching out for suspicious activity on your card. If any suspicious transactions are detected, we'll call you to verify it immediately.

How can you protect yourself from an unauthorised online transaction?

Sign up for SMS Alerts
Monitor your account and reduce the chance of unauthorised transactions on your credit card account. Sign up for SMS Alerts here.

Update your contact details with the bank
Always ensure that your own and your supplementary cardholder's contact details and information with the bank are updated and accurate.

Keep your card safe
Always ensure that your credit card is kept securely with you and that your card details and PIN are never disclosed to anyone else.

Shop at secure websites
Ensure that you only shop at reputable and secure sites. Some common indicators include the use of https:// in the URL, the presence of a digital certificate represented by a padlock or key in the bottom right hand corner and Verified by Visa or MasterCard SecureCode symbols.

Understand online threats
To avoid falling prey to online fraudsters, read more about online threats here.
Whenever you are in doubt or require any assistance, simply contact us at

Toll Free Local Number1800 747 7000
From overseas +65 6747 7000


    • What is the CardSafe Guarantee?

      Use your Standard Chartered Credit Card for your online purchase and you will not be held responsible for unauthorised online card transactions.

      CardSafe Guarantee Terms and Conditions apply.

    • Do I have to register?

      No registration is required.

    • Do I have to pay a fee to be covered under the CardSafe Guarantee?

      No, this guarantee is provided free to all eligible credit cardholders.

    • How do I report any discrepancies in my statement or transaction history?

      Please contact us at 1800 747 7000 /+65 6747 7000 immediately if you discover any discrepancies.

    • What is a Transaction Alert?

      This is an added security measure provided by the bank. When a transaction exceeding a pre-defined value threshold (SGD500) is charged to your credit/debit card, the bank will send you a Transaction Alert via SMS. You may log in to Online Banking to change the threshold value. This alert serves as a fraud prevention measure and you should immediately contact the bank if the transaction was not authorised by you.

    • What is the threshold amount that will activate a Transaction Alert?

      The threshold amount is SGD500 by default. You may choose to change this amount via Online Banking.

    • How do I receive my Transaction Alerts?

      You will receive all Transaction Alerts by SMS. Please ensure your information with us is up to date.

Learn more »

Terms and Conditions

* This Guarantee is only applicable for Card transactions ("Unauthorised Online Card Transactions") which:

  1. were made via webpages on the Internet which do not use Verified by Visa and MasterCard SecureCode;
  2. have not been authorised by Cardholders and were carried out without the knowledge or consent of Cardholders;
  3. were not charged to Cards which are lost or stolen; and
  4. are successfully posted to the Card account and which we identify as an online transaction based on codes assigned by MasterCard International Incorporated/ Visa ("Online Card Transaction").

For clarity:

  1. Online Card Transactions do not include transactions made at point of sale or telephone or mail order, over-the-counter transactions, or payments made using Standard Chartered Online Banking; and
  2. This Guarantee does not apply where Cardholders purchase goods by way of Online Card Transactions but where such goods are either not delivered by the online merchant or are not supplied to Cardholders' satisfaction.

Call Us

Call our hotline for further information.

1800 747 7000 /+65 6747 7000

Locate Us

Visit the branch that is nearest to you.
Selected branches are open on Sunday to serve you better.

Find a Branch »

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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.