The Standard Chartered aXcessPlus
Account comes with a globally valid debit - cum - ATM card which
allows customers to aXcess all Standard Chartered Bank ATMs
and provides instant cash at all Visa Network ATMs in India
and abroad.
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aXcessPlus customers get FREE*
aXcess to cash withdrawals at over 13000 Visa ATMs in India up
to four free transactions per month.
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This is over and above unlimited
free aXcess to all Standard Chartered Bank ATMs.
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The Debit Card can be used
to make purchases at over 55,000 merchant outlets in India.
The globally valid Standard
Chartered Debit Card is the easiest way of aXcessing your branch
account. A debit card allows you to purchase goods at Visa Electron
merchant establishments and withdraw cash from any Visa Electron
ATM in India and abroad using funds from your bank account.
A debit card is a 'buy now
- pay now' option, the payment to a merchant gets debited to
the customer's account the same day as the purchase is made.
aXcessPlus customers can
withdraw 4 times a month free cash at any Visa Network ATMs in India. These include
all ATMs of:
ICICI Bank
HDFC Bank
HSBC
Citibank
IDBI Bank
UTI bank
Centurion bank
Bank of Punjab
Corporation bank
IndusInd Bank
Kotak Mahindra Bank
Canara Bank
Dena Bank
Andhra Bank
State Bank of India
Development Credit Bank
Bank of India
Bank of Baroda
Syndicate Bank
The debit card offers tremendous
convenience in payments and helps reduce the amount of cash
you need to carry.
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Besides you always stay in
control your finances as you can only spend what you have since
you aXcess your own funds to make purchases and to withdraw
cash.
What is the difference
between a debit card and a credit card?
The basic difference between
a debit card and a credit card is that the debit card gives
you access to your own money whereas the credit card is a form
of loan and it accesses a line of credit offered by your bank.
Put in simple terms, a debit card is a Buy Now Pay Now option
while a credit card is a Buy Now Pay Later option.
Therefore in a debit card there
is no monthly repayment and there is also no interest charged.
Is there any transaction
charge that will be levied each time I use my Debit Card?
You have free aXcess to all
Standard Chartered Bank and are entitled to free cash withdrawals
at Visa ATMs (up to four free cash withdrawals per account per
month).
There are no transaction charges for the purchases made at the
Merchant establishments except at railway stations and petrol
pumps (as per industry practice).
What will be the mode
of payment in case of a Debit Card?
There will be no monthly
outstanding in case of a Debit Card. Your account will be
instantly debited to the extent of purchases made and amount
withdrawn from the ATMs on the debit card.
What is the procedure
to be followed in case of loss of the Debit Card?
It is important that you report
the card loss immediately by calling the
Phone Banking
staff within 24 hours. You are also advised to send
a letter to the bank at the address / fax no. advised to you
by the Phone Banking executives.
What are the charges
I have to pay for replacement of the lost card?
There are no charges in
case of damage or theft of the card. In case the loss of card
is due to any other reasons there will be a nominal charge
of Rs. 200.
Any adult having a banking
relationship with Standard Chartered Bank can become a Debit
Cardholder.
* Free cash withdrawals
include up to four free cash withdrawal transactions per account
per month at other banks' ATMs in India through the Visa ATM
network. Unlimited free transactions at all Standard Chartered
ATMs.
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