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Smart Cheque

What is Smart Cheque?
Smart Cheque from Standard Chartered Credit Cards is a revolutionary service that lets you obtain a cheque which will be issued by debiting your Credit Card. If you hold a Standard Chartered Credit Card all you need to do is call the Bank and request one. The Smart Cheque will be drawn favouring any establishment or individual. Your cheque will be made available to you within two working days. It’s that simple. It’s that amazing!

Pay educational institutions with Smart Cheque
You can make any payment to educational institutions by ‘Smart Cheque’ with your Standard Chartered Credit Card. Simply call the bank and state your requirement. Your Smart Cheque will be ready in two working days. Be it school fees or higher educational expenses. Making payments have never been easier. All you need is a Standard Chartered Credit Card.

Pay your house rent or make any other payment with Smart Cheque!
Smart Cheque also lets you pay your house rent or make any other payment with your Standard Chartered Credit Card. Simply call the Bank and state your requirement and your cheque will be made available in just two working days.

Accumulate Bonus Points
You also accumulate bonus points on each transaction. You will earn 1 Bonus Point for every Rs.100/- which will equal Rs.1/- at the point of redemption.

What will be my Credit Limit for Smart Cheque?
You can request the bank for cheques within the available Credit Limit on your Standard Chartered Credit Card.

Is there any charge for Smart Cheque?
There will be a nominal charge of 2% of the value of the Smart Cheque. This charge will be debited from your card account once the cheque is issued as per your request.

How do I request for a Smart Cheque?
Simply call the 24-hour customer service hotline on 2480480 and provide the details of your requirement.

Can Supplementary Cardholders use the Smart Cheque facility?
Yes they can, all they have to do is to call our customer service hotline on 2480480 and inform us of their requirement.

What if I lose a Smart Cheque and want to stop/cancel it?
If you lose a Smart Cheque, simply call our 24-hour customer service hotline on 2480480.

Can I request for Smart Cheques in foreign currency?
No. Smart Cheques will be issued only in local currency.

SMART CHEQUE - TERMS AND CONDITIONS

DEFINITION
“SMART CHEQUE” means the payment for goods or services by the Credit Cardholder for which the Cardholder utilizes the available Credit Limit, requests the Bank to draw a pay order/cheque favouring the establishment/individual and repays the Transaction amount as per a normal credit card transaction.

Total Transaction value of the SMART CHEQUE includes the value to which the cheque is drawn plus the Service Charge which is 2% of the value of the cheque.

Terms and Conditions mean the Terms and Conditions applicable on Credit Cards issued by Standard Chartered Bank (Sri Lanka). SMART CHEQUE Terms and Conditions are in addition to the referred conditions.

1. GENERAL
   The purpose of SMART CHEQUE is to enable the Cardholder to pay for goods and services by means of a pay order/cheque, using the Credit Limit available on the Card in accordance with the Terms and Conditions of Standard Chartered Credit Cards.
2. ELIGIBILITY
   SMART CHEQUE is offered to the Cardholder subject to the condition that payments against his / her Card are in good standing as per the Terms and Conditions, and the Cardholder has an available Credit Limit on the Card Account. If the Cardholder fulfills the Terms and Conditions he / she may be eligible for availing the SMART CHEQUE facility.
   SMART CHEQUES will be issued only in local currency. i.e. in Sri Lankan Rupees.
3. CONDUCTING SMART CHEQUE TRANSACTIONS
   The Cardholder shall pay the total transaction value of the SMART CHEQUE as per a normal credit card transaction.
   The Bank shall process and authorize a SMART CHEQUE Transaction provided that the amount of the SMART CHEQUE Transaction is within the available Credit Limit and Card Account is in good standing as per the rules and regulations adopted by the Bank and the Terms and Conditions. The approved SMART CHEQUE Transaction will appear on the next Statement of Account.
   The bank will use reasonable endeavors to process oral instructions received by the bank before 5.00 p.m. from Monday to Friday on the next working day.
   The bank may send under registered post any SMART CHEQUE to the address provided by the Cardholder for the delivery of such SMART CHEQUE. The bank will not be responsible for any loss, or delay caused due to insufficient or incorrect address given by the Cardholder or for reasons outside the banks control.
4. BILLING & PAYMENTS OF SMART CHEQUE INSTALLMENTS
   The Cardholder agrees that the service is provided at the request and risk of the Cardholder’s identity on the telephone (by provision of the personal details required by the bank) which will be sufficient authority for the bank to identify the caller as the card holder. The Cardholder accepts the Bank’s records and settlement of all transactions processed by the use of telephone instructions as conclusive and binding for all purposes. The Cardholder agrees that the bank’s records of the transactions processed through the service shall be final and binding and that the Cardholder shall not dispute the validity of the transactions made using the service. The Cardholder hereby consents to the recording of telephone calls by the bank and accepts that such recordings may be used by the bank as evidence in a court of law or any legal proceedings.
   The Cardholder agrees that the Bank is at the liberty to issue SMART CHEQUES requested by him/her at the risk of the Cardholder.
   Based on the Bank acceptance of the SMART CHEQUE Instruction, the SMART CHEQUE shall be billed to the Cardholder starting from the next Statement of Account after the date of purchase as per a normal credit card transaction.
   The Bank may, from time to time, as it deems fit in its absolute descretion, revise the service charge applicable to SMART CHEQUE.
   Bonus Points are earned on the SMART CHEQUE Transaction amount.
5. PRODUCT LIABILITY
   The Bank shall not be liable for any damage or loss incurred by the Cardholder arising out of the purchase, installation, use or otherwise of the good(s) and / or service(s) under SMART CHEQUE on the part of Bank nor shall the Bank be responsible in any way for the quality of the good(s) and / or service(s) purchased under SMART CHEQUE or otherwise. Any complaint as to the quality of goods purchased or services rendered through SMART CHEQUE shall be referred directly by the Cardholder to the supplier or Merchant and shall not affect Cardholder’s obligation to continue paying the transaction value of the SMART CHEQUE to the Bank
6. MODIFICATIONS, AMENDMENTS AND CANCELLATION
   The Bank is entitled at any time and without any prior notice or liability to the Cardholder in any manner whatsoever to terminate SMART CHEQUE or cancel or vary its benefits or features, or vary, or add or delete any of the SMART CHEQUE Terms and Conditions. The Bank is also entitled to determine the minimum transaction amount allowed under SMART CHEQUE for each Cheque.
   The Bank reserves the right to disqualify any Cardholder from further participation, if in its judgment, the Cardholder has in any way violated the SMART CHEQUE Terms and Conditions and / or the Terms and Conditions and / or any reason that the Bank deems fit without assigning any reason whatsoever.
   The Bank shall be entitled to disallow / refuse any Application / Instructions submitted by the Cardholder under SMART CHEQUE without assigning any reason whatsoever.
7. INDEMNITY
   The Bank shall not be liable if it is unable to perform its obligations under SMART CHEQUE Terms and Conditions, due directly or indirectly to the failure of any machinery or communication system, industrial dispute, war or Act of God, or anything outside the control of the Bank.
   These SMART CHEQUE Terms and Conditions herein shall be without prejudice to the Terms and Conditions governing the issue of and use of the Card and shall be applicable to SMART CHEQUE Transaction. If at any time, dispute arises in connection with the SMART CHEQUE or SMART CHEQUE Terms and Conditions, the Bank’s decision in connection with the same shall be final and binding.