The ShopSmart debit card is designed to give those who love to shop fabulous offers, discounts and rewards while they shop. The card also has usage limits on withdrawals and transactions to ensure you budget your daily expenses. With this debit card offered by Standard Chartered Bank, you will have access to ATMs all over India and worldwide. You will be eligible to receive offers from VISA as well.
Features of ShopSmart Debit Card
The Standard Chartered ShopSmart debit card is loaded with attractive features that will make you a happy customer. Some of the key features and benefits that Standard Chartered offers with this card are given below:
Your Standard Chartered ShopSmart Card can be used anywhere in the world at over 1 million ATMs and 21 million merchant outlets that accept VISA. Travel the world and take your debit card with you and transact anywhere at anytime.
Access to Cash
Get instant access to cash at over 18,600 ATMs in the country and more than 1 million VISA ATMs across the globe. You no longer have the need to carry cash all the time as you have easy access to it at convenient locations.
Access the Online World
Your debit card can be used to make purchases online such as shopping, buying movie tickets and so on. You can use your card to pay utility bills online. The digital world has a lot to offer that can save us time, energy and money. Being able to use your debit card online can open up a world of convenience.
Use your debit card to shop at more than 3,26,000 outlets all over the country. Your card is also accepted at more than 21 million outlets internationally.
Earn rewards on purchases made with your debit card. You can redeem these accumulated points for cash back. Instead of paying cash, swipe your debit card to pay for your purchases and earn cash back on your spends.
Standard Chartered Special Offers
Offers and promotions held by Standard Chartered from time to time will be communicated to the cardholder. The offers that take place from time to time will be mentioned on the reverse of your bank statement, online account or on ATM screens. You can also check the offers available on the Standard Chartered website.
Every time you spend on your debit card, you will earn reward points. You can redeem them later for cash back.
- For every Rs.100 spent, you will earn 1 reward point.
- There is no cash back limit imposed by Standard Chartered allowing you to earn as much as you want.
- Reward points are valid for only one year and must be redeemed before they lapse.
How to apply
To avail the Standard Chartered ShopSmart Debit Card, you need to open a bank account with them. You can open a savings or current account. A bank account is required as it is a debit card, not a credit card. Your expenses and withdrawals will be deducted from your bank account balance. You can apply via the following avenues:
- You can locate a Standard Chartered Bank, pay a visit and open an account.
- You can call Standard Chartered on their banking hotlines to get further information.
- You can apply online on the Standard Chartered website.
You will need to fill out an application form. Based on your eligibility, you may be able to opt for this card in the application form. Submit the form and the required documents to the bank. Once your account is opened, your debit card will be issued.
Standard Chartered Bank has a set criteria of eligibility requirements for different types of bank accounts. Some of the eligibility factors include age, income, employment, residence, nationality and so on. Check with the bank about the eligibility criteria based on the type of bank account you wish to open. This card is available with all Standard Chartered accounts except the Saver Plus Savings Account.
To complete the application process for opening a bank account with Standard Chartered, you need to submit documentation to fulfill KYC requirements. The general documents required are listed below:
- One recent passport photograph.
- One acceptable ID proof such as passport, PAN card, Driving Licence, Employee card, Letter from employer, Aadhar card, Voter ID and so on.
- One acceptable address proof such as Passport, Aadhar card, Voter ID, Ration Card, Letter from employer, utility bills not more than 3 months old and so on.
- Any other document as requested by the bank.
Fees and Charges
|Particulars||Super Value Savings Account / Breeze Banking Savings Account||Axcess Plus Account||All other Accounts|
|Transactions at Domestic SC ATMs||Free||Free||Free|
|Transactions at other bank ATMs in India||Free if MAB of Rs.25,000 is maintained. Rs.20 is charged otherwise.||Free for the first 10 financial and non-financial transactions||First 5 financial and non-financial transactions are free after which Rs.20 is charged per transaction.|
|ATM cash withdrawal limit||Rs.10,000 per transaction (subject to change at bank’s discretion)||Rs.10,000 per transaction (subject to change at bank’s discretion)||Rs.10,000 per transaction (subject to change at bank’s discretion)|
|Transactions at ATMs outside India||Rs.140||Rs.140||Rs.140|
|Lost card reissuance||Rs.200||Rs.200||Rs.200|
ShopSmart Debit Card FAQs
When will my reward points expire?
All reward points earned in a calendar year (1st January to 31st December) will be valid till June 30th of the next year. You must redeem your points before June 30th.
What should I do if I lose my Standard Chartered debit card?
If you have lost your debit card, report it immediately to Standard Chartered by calling the customer care hotlines. Your card will be blocked. A duplicate card will be sent to your registered address.
How long does a replacement card take?
The replacement card will be sent to your registered address within 7 days time.
What should I do if I forgot my ATM PIN?
You can reset your PIN online on the Standard Chartered website or through the phone banking desk.
Can I convert my current ATM card to the ShopSmart debit card?
Yes, you are allowed to convert to this card provided you are eligible for it. Please call the phone banking hotline for more information. You can also contact your bank branch.
GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.
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