Personal Banking - Credit & Debit Cards - MasterCard Cashback Credit Card

Fuel: You can go to any fuel outlet in Pakistan to purchase fuel, lubricants, car-servicing, etc. and get an instant 5% Cashback on your transactions.Each month you can avail 5% Cashback on up to PKR 20,000 of fuel transactions, implying that you can save up to PKR 1,000 on fuel each month! Use your MasterCard CashBack Credit Card to save a maximum of PKR 12,000 on fuel related transactions every year! With the MasterCard CashBack, life was never this rewarding.
Supermarket: In addition to your Cashback rewards on fuel, you can also avail Cashback rewards at Supermarkets. You can go to any supermarket in Pakistan to buy groceries, detergents, toiletries, etc. and get an instant 5% Cashback on your transactions. Each month you can avail 5% Cashback on up to PKR 20,000 of supermarket transactions. Simply put, you can save up to PKR 1,000 on groceries every month!
Retail Transactions: Just when you think that the SCB Cashback Credit Card is just too good to be true, it gets even better. In addition to the PKR 2,000 that you can save each month on your fuel and grocery transactions, you will also get 1% Cashback on all other retail transactions. Whatsmore, this category has no upper monthly limit! All, so you can enjoy unlimited Cashback for life!

Global Acceptability: Your Standard Chartered Cashback Credit Card can be used at more than 30,000 establishments in Pakistan and over 24 million locations worldwide. This gives you convenience, recognition and security wherever you are. With the Standard Chartered Cashback Credit Card, you can pay for shopping, meals, travel, entertainment; virtually anything that money can buy. Whether you spend in dollars or in any other currency, all your billings will be in Pak Rupees.
Buy Now, Pay Later: With your Standard Chartered Cashback Credit Card, you have a free credit period of upto 51 days to pay for your purchases. The Standard Chartered Cashback Credit Card gives you the option of paying the minimum amount, which would be only 5% of your outstanding balance or Rs 500 (whichever is greater) by the payment due date. Maintenance Fee will be levied and the balance amount is carried forward. The following month, either pay the full amount, or if you wish, pay only the minimum amount due and revolve again.
Cash Advance: You do not need to carry cash any more, if you have a Standard Chartered Cashback Credit Card. Any amount up to 30% of your credit limit is available to you as cash. You can obtain cash advance at ATMs and financial institutions worldwide displaying the MasterCard logo.
24 hours Phone Banking Customer Service: You now have access to round-the-clock banking. At Standard Chartered Phone Banking, you can avail a variety of services through our self-service banking option or speak to your personal Phone Banker. The services available include Credit Card account balance information, bill payments and much more. Our Phone Bankers are available round-the-clock to register complaints and respond to your queries. For more information, just dial 111-002-002 or email us at: Ask.us@sc.com
Supplementary Cards: Share the experience with your loved ones! You can gift family members, employees, or absolutely anyone with a Cashback Supplementary Card and let them enjoy the benefits and privileges Cashback Credit Cards have to offer.Avail up to 5 Supplementary Cards and have them made for anyone who is more than 18 years of age. All your Supplementary Cardmembers share your basic credit limit. The Supplementary Cards will carry a separate account number so that incase of loss or theft, only the affected cards need cancellation. The unaffected Card(s) continue to enjoy uninterrupted Card usage. All charges incurred on the Supplementary Cards will be reported on your monthly statement.
eStatements: It’s always our priority to provide our customers with optimal convenience. Standard Chartered offers you the facility to have your Credit Card statements emailed to you, so you can stay updated no matter where you are.
SMS Banking: Get the convenience, privacy and security of banking through your mobile phone. Receive instant access to your account information including your outstanding balance or payment due date. Simply register your mobile number with Standard Chartered SMS Banking and get complete control of your account whenever and wherever!
Internet Banking: Our free Internet Banking Service gives you the ability to manage your Credit Card and Bank Account 24 hours a day, 7 days a week.

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Frequently Asked Questions:

Q. What is a Standard Chartered MasterCard Cashback Credit Card and how is it different from other Credit Cards?
The SCB Cashback 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 rebate on your transactions. The SCB Cashback Credit Card offers you the best value for your money.

Q. How do I activate my SCB MasterCard Cashback Credit Card?
Upon receiving your SCB MasterCard Cashback Credit Card, simply call our Customer Services at 111-002-002 from your contact numbers (Office/Residence) registered on our system and get it activated.

Q. Where can I use my SCB MasterCard Cashback Credit Card?
The SCB MasterCard Cashback Credit Card can be used globally for any transaction at any merchant outlet accepting MasterCard Credit Cards.

Q. What benefits will I get on my SCB MasterCard Cashback Card?
You will get 5% Cashback on all your fuel transactions of up to PKR 20,000 each month. You will also get 5% Cashback on all your grocery/supermarket transactions of up to PKR 20,000 each month. And finally,you will get 1% Cashback on all other retail transactions. In addition to all this, you are eligible for all the benefits explained in the Features and Benefits portion of this guide.

Q. 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.

Q. 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 instantly 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 in Cashback rewards immediately. The net amount charged to you for that transaction will be PKR 950.

Q. Will I get Cashback Rewards if I pay cash?
No. You can only avail the Cashback rewards through you SCB Cashback Card.

Q. Where can I avail the 5% Cashback?
You can avail 5% Cashback on all fuel outlets and supermarkets across Pakistan.

Q. Is there a limit to how much Cashback I can earn on my transactions?
Petrol - 5% Cashback with upper monthly cap of PKR 1,000, Supermarkets - 5% Cashback with upper monthly cap of PKR 1,000, and other Retail Spend Categories - 1% Cashback with unlimited Cashback rewards.

Q. 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.

Q. 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.

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

Q. Will I get a Cashback if I pay for someone else?
Yes, if you will always be eligible for a Cashback reward every time you conduct a transaction on your credit card to purchase fuel, groceries, or any other retail good/service.

Q.What happens to my SCB Treasure Points when my SCB MasterCard Card is converted to SCB MasterCard Cashback Credit Card?
In such an event, all your SCB Treasure points will be credited onto your new SCB Cashback Credit Card. For every 100 SCB Treasure Points, you will be given PKR 40 of credit balance. You can, however, start enjoying your Cashback rewards immediately upon activation of your new SCB Cashback Card.

Q. Will I also get SCB Treasure Points on my transactions?
No, you will not get SCB Treasure Points on the SCB Cashback Card because this card offers your unmatchable rewards in the form of instant cash rebate on all your transactions. Please note that the SCB Cashback Credit Card does not carry any SCB Treasure/Reward Points would, therefore, not be receiving any Reward Points under this program.

Q. Can I convert my existing SCB MasterCard Credit Card to the SCB MasterCard Cashback Card?
Yes, you can do so simply by calling 111-002-002. However, at the time of conversion, you should have no outstanding dues. Our Customer Service Officers are available at all times to facilitate you with the process.

Q. 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 Customer Services Representatives at 111-002-002 or please refer to the enclosed list of MasterCard Emergency Assistance Service contacts in the event of an emergency abroad or you can email your enquiries on our online helpline at: Ask.us@sc.com

Q. How should I handle a change in my address?
You can simply inform us of your new mailing address by calling our 24 hour Customer Services at 111-002-002 and updating your profile.

Q. 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.

Q. 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.

Q. Will I be charged any cash withdrawal fee?
On cash withdrawals through ATMs or over the counter transactions, a cash advance fee of PKR 600 or 3% of the transaction amount, whichever is higher, will be charged.

Q. Can my Supplementary Cardmembers also avail Cashback rewards?
Yes. However, the monthly upper limits on the Cashback Rewards will be that of the primary cardholder.

Q. 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 Services 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.

Q. 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 Customer Service Representatives on 111-002-002. After you have informed us, you will instantly be secured against any unauthorized transactions.

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Terms and Conditions:

This Cashback offer is applicable only to the MasterCard Cashback Credit Card.
"Cashback Rewards" means a credit entry, subject to certain limits (where applicable),executed by the Bank on the Card Account based on Eligible Transactions.
"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 Cardmember through communication of the same in the monthly card statement at least 30 days before any such change.
"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.
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 1,000, Supermarkets - 5% Cashback with upper monthly cap of PKR 1,000, and other Retail Spend Categories - 1% Cashback with unlimited Cashback rewards.
"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.
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.
Existing MasterCard Classic/Cricket Credit Cardmembers who have been upgraded to Standard Chartered MasterCard Cashback Credit Card to note that they will be receiving Standard Chartered Reward Points in addition to Cashback Rewards on eligible transactions until December 31, 2009. However, earning of all Reward Points on the Standard Chartered MasterCard Cashback Credit Card will cease after December 31, 2009. Only Cashback Rewards will be offered on the Cashback Credit Card January 1, 2010 onwards.
All new Standard Chartered MasterCard Credit Cardmembers to note that they will be receiving Standard Chartered Reward Points in addition to Cashback Rewards on eligible transactions until December 31,2009. However, earning of all Reward Points on the Standard Chartered MasterCard Cashback Credit Card will cease after December 31, 2009. Only Cashback Rewards will be offered on the Cashback Credit Card January 1, 2010 onwards
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.
Cardmembers 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 Cardmember 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.
Eligible transactions conducted oversees will be eligible for the Cashback offer.
The Cardmember terms and conditions shall continue to apply to the Cardmember.

MasterCard Cashback Credit Cards