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Standard Chartered
Credit Cards
User Guide
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Definitions, Terms & Conditions.

Please refer to the following legalities for further
clarification.

1. Definitions

ATM means an automated teller machine or any

card-operated machine or device whether
belonging to the bank or other participating banks
or financial institutions and refers to the
MasterCard Global ATM Network, or the affiliated
networks thereof.

Bank means Standard Chartered Bank

(Pakistan) Limited acting through its Pakistan
branch.

Card means the applicable Standard Chartered

MasterCard Card issued by the bank to
the Cardmember and includes supplementary
and replacement Cards.

Card Account means the Standard Chartered

MasterCard Credit Card account opened by
the Bank for the purpose of entering debits incurred
by or for the account of, and credits received by
or for the Cardmember and Supplementary
Cardmembers, if any, under these Terms and
Conditions and includes, without limitation, all debits
incurred resulting from any Cash Advances and/ or
Charges and/ or Liabilities arising out of in connection
with any Card Transaction or otherwise.

Cardmember means the original person

excluding any Supplementary Cardmember who
is issued a Card and for whom the Card Account
is first opened by the Bank.

Card Transaction means any Cash Advance

or the amount charged by the Bank or any
Merchant for any goods, services, benefits, or
reservation obtained by the use of the Card or
the card numbers or the PIN or the TIN or in any
other manner by the Cardmember and/ or
Supplementary Cardmember, including without
limitation, mail, facsimile orders or reservation
authorised or purported to have been authorised
or made by the Cardmember and/ or
Supplementary Cardmember, regardless of
whether a sales or Cash Advance or other
voucher or form is signed by the Cardmember.

Cash Advance means any amount provided to

the Cardmember and/ or Supplementary
Cardmember by the Bank or participating bank
or ATM displaying the scheme logo, whether
in cash or other form of payment.
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Charges means the amount of all and any

purchases charged and all amounts payable
by the Cardmember and as applicable,
Supplementary Cardmember, arising from the
issue or use of the Card and/ or all and any
purchases charged by use of the Cardmember
or the PIN or the TIN and includes, without
limitation, all card transactions and costs and
disbursements in connection therewith.

Credit Limit means the maximum outstanding

balance permitted by the Bank in the Card
Account and, notified to the Cardmember from
time to time.

Current Balance means the total balance

outstanding on the card account according to
the Bank's records on the date the Statement
of Account is issued including all charges and
liabilities.

Expiry Date means the month and the year of

expiry specified by the Bank and printed on the
face of the card.

Foreign Transactions refers to all transactions

Settled in foreign currency made through foreign
merchants in foreign or local currency.

Group Member means any company, including

Standard Chartered PLC and the Bank, which
is part of the Standard Chartered Group, being
the group of companies whose ultimate parent
company is Standard Chartered PLC.

Liabilities mean any or all amounts payable,

whatsoever by the Cardmember to the Bank
pursuant hereto (other than 'Charges') including
every type of exchange or other premium, fees,
imports, duties and levies of whatsoever kind
and/ or amounts such as minimum payment
fees, delayed payment fees, cash advance fees,
stamp duties, excise or other taxes on provision
of advances or credit or finance or otherwise and
losses incurred or sustained by the Bank,
if any, arising or resulting from any governmental
actions or policies which effectively prevent
repayment of foreign currency charges of
the Cardmember and/ or Supplementary
Cardmember and further including, without
limitation, fines, costs, expenses, damages
(liquidated or otherwise) and legal costs and
disbursements charged or incurred in connection
with application and/ or enforcement hereof.
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Merchant means any retail and service outlets

that have entered into a written agreement to
accept credit cards in the payment or
reservation of goods and services.

Month means calendar month.

Minimum Amount Due (MAD) means that in

case the current balance amount is more than
PKR 500, the Minimum Amount Due will be
equivalent to PKR 500 or 1% of your principal
balance amount, whichever is higher. In
addition to the above stated amount, fees and
charges (all or those applicable) will be part of
the minimum payment amount.

Payment Due Date means the date specified in

the Statement of Account by which date payment
of the Current Balance or at least the Minimum
Payment Amount is to be made to the Bank.

PIN means the Personal Identification Number

issued to the Cardmember and the
Supplementary Cardmember (if applicable) to
enable Card use at an ATM and/ or other
authorised terminals, displaying the scheme logo
for a retail transaction.

TIN means the Telephone Identification Number

issued to the Cardmember and/ or
Supplementary Cardmember (if applicable) to
authenticate, verify and enable the transactions/
instructions on the phone.

Rupee means Pakistani Rupee for the purpose

of these Conditions of Use.

Schedule of Charges means the document

prescribing Services Fees Charges and other fees
applicable including but not limited to the cards,
card transactions and/ or card account, issued by
the Bank from time to time and revised half yearly
and available at the Bank’s branches and website.
The Schedule of Charges shall form a part of these
Terms and Conditions.

Service Fee means fee as determined by the

Bank and prescribed in the Schedule of Charges
and payable by the Cardmember on the
outstanding liabilities and other amounts in
relation to the card account. The Bank shall have
the right to change the rate of the Service Fee
by giving a notice to the cardmember and by
publishing the same in the half yearly Schedule
of Charges.
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Statement of Account means the Bank's monthly

or other periodic statement of account sent to the
Cardmember showing particulars of the Current
Balance incurred by and/ or for the account of the
Cardmember and any Supplementary Cardmember
and payable to the Bank.

Supplementary Cardmember means the

person to whom the Supplementary Card has
been issued by the Bank, at the request of the
Cardmember.

2. Collection/ Activation of the Card

2.1) The Card may be collected by the Cardmember

or couriered to the Cardmember at the discretion
of the Bank (pursuant to such conditions as are
or may be specified by the Bank).

2.2) The Card must be signed by the Cardmember

and/ or Supplementary Cardmember(s)
immediately on receipt thereof in the space
provided for signature on the back of the card.

2.3) In addition to card activation over the phone, the

Bank may in its sole discretion require the
Cardmember and/ or Supplementary Cardmember,
upon receiving the Card to communicate agreement
to activation thereof in writing by signing and
returning the attached slip.

2.4) The Cardmember is liable for the use of the

Supplementary Card by the Supplementary Cardmember
and therefore ensures that each Supplementary Cardmember
understands the Terms and Conditions and Schedule
of Charges along with any amendments made from time to time.

3. Restriction in Use of the Card/ Cardmember

Particulars

3.1) The Card is not transferable and no person other

than Cardmember (or any duly authorised
Supplementary Cardmember) is permitted (and the
Cardmember will not permit any other person) to
use the Card for Charges and/ or Transactions or
for identification or for any other purpose. The
Cardmember cannot use the Card before the
Activation and after the Expiry Date.

3.2) The Cardmember shall be exclusively liable for all

Charges and Liabilities (including the charges and
liabilities of Supplementary Cardmembers) and any
other costs and expenses and it is agreed that the
Card may only be used by the Cardmember (or any
approved Supplementary Cardmember):
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a) For Transactions authorised by the Bank

b) To obtain the facilities, benefits and services
made available by the Bank or any Merchant
from time to time, and
c) Within the Credit Limit permitted by the Bank
unless the Bank's prior approval is obtained

3.3) The Cardmember shall be responsible for the safe

Custody of the Card/ Supplementary Card. The
Cardmember shall incur any charges due to loss of
card, theft or handing over of the card to an unauthorized
person except when the Cardmember/ Supplementary
Cardmember has duly notified the bank immediately after
the aforementioned circumstances.

3.4) Notwithstanding that the Cardmember's Credit

Limit has not been exhausted, the Bank in its
absolute discretion shall have the right, any time
and without notice and without giving any reason
and without liability to the Cardmember, the
Supplementary Cardmember or any other party,
to withdraw or restrict the Cardmember's or
Supplementary Cardmember's right to use the Card
or to refuse to authorise any transaction made by
the use of the card.

3.5) The Cardmember may at any time inform the Bank

of his/ her intention to close the Card Account and
to terminate the use of Card by returning all Cards
cut into half to the Bank. The Card Account shall
be closed only after the receipt by the Bank of all
Cards cut into half and after full payment to the Bank
of all Charges and Liabilities and all costs and
expenses in relation to the Card Account.

3.6) The Cardmember and Supplementary Cardmember

shall respectively notify the Bank of any change or
imminent change in any particulars stated in the
Card application form or other information provided
to the Bank (including any name change) and
respectively agree to provide any other information
or particulars if requested by the Bank at any time.

3.7) Neither the Cardmember nor the Supplementary

Cardmember shall either use the card or the
Supplementary Card or allow any third party to use
the card or the Supplementary Card for any
purpose or transaction prohibited by law or
otherwise, which shall include without limitation
Gambling, and the Bank in its sole discretion
may decline such transactions which shall
without limitation be carried out through the
internet or any other way.
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3.8) The Bank shall have the right to refuse to

authorise any Card transaction without assigning
any reason thereof. Further the Bank shall be
entitled to stop providing services and facilities
to the Cardmember in any city or country for
whatever reasons if it deems appropriate to do
so. It shall be the Cardmember's responsibility
to inform the Bank prior to undertaking any
foreign travel to check whether the Bank is
providing card services in the particular city or
country where Cardmember/ Supplementary
Cardmember intends to visit or use the card.

4. The Card Account

4.1) The Bank shall debit to the Card Account all

Charges and Liabilities and any other costs or
expenses incurred by the Bank for the account
of the Cardmember and Supplementary
Cardmember and all losses or damages incurred
or sustained by the Bank arising from or relating
to the issue or use of the Card (or any indemnity
herein or otherwise given) or a breach of these
Conditions of Use by the Cardmember and/ or
Supplementary Cardmember.

4.2) The Bank shall convert the amount of all Non-US

Dollar Charges (excluding any Rupee Charges)
incurred or arising out of Card Transactions to
US Dollars at the rate of exchange applied by
the Bank or international card scheme for such
purpose in accordance with the applicable rules
or business practice of the Bank.

4.3) The Bank shall convert the amount of all original

and/ or converted US Dollar Charges (i.e. Non-US
Dollar charges converted into US Dollar Charges
under clause 4.2) arising out of or relating to Card
Transactions and Charges of the Cardmember
and Supplementary Cardmember into Pakistani
Rupees at the rate of exchange specified for such
purpose in accordance with the applicable rules
of the Bank or, in the absence thereof, in
accordance with the usual business practice of
the Bank.

4.3.1) The rate being used to convert the Cardmember’s

foreign spend will be a function of prevalent open market /
buying rate at the time when the charge is settled which
may be different from the rate prevailing on the day
the Card is charged. In addition to this, risk premium
associated with availability and market fluctuations will
also be incorporated in the quoted foreign
transaction settlement rate.
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4.4) The Cardmember shall be exclusively liable to pay

all amounts debited to the Card Account by the
Bank (as more particularly specified in Clause 8).

4.5) The Cardmember hereby irrevocably authorises

and empowers the Bank to open such Rupee
and foreign currency account(s) as the Bank may
deem appropriate and the Cardmember agrees,
with respect to any Rupee and/ or foreign
currency account opened by the Bank on his or
her behalf, that:

4.5.1) The Cardmember will, upon receipt of

the Statement of Account, deposit such
initial account opening foreign currency
balance as may be prescribed by the Bank
from time to time.

4.5.2) Cardmember transacting through the Card

shall not be entitled to withdrawals of any
credit balance in respect of the Card
Account but any such credit balance
(except to the extent of the initial account
opening deposit) will be applied to offset
Cardmember’s outstanding during
subsequent billing periods.

4.5.3) No profit or return of any type will be paid,

or accrue upon, any credit balances
maintained in the Rupee and foreign
currency account at any time.

4.5.4) The Bank may at any time in its discretion

discharge its entire liability with respect to
any such account by mailing to the
Cardmember at the address on file, its
draft in the currency of the account(s)
without recourse to the Bank as drawer
and payable to the order of the
Cardmember in the amount of the existing
credit balance in the account(s) deducting
therefrom the amounts of any claims that
the Bank may have on such funds.

4.5.5) All amounts standing to the credit of the

foreign currency account (less any sums
owing to the Bank) are payable solely at
the Bank in Pakistan, and shall be
governed by and subject to laws in effect
from time to time in Pakistan. As used
herein "laws" include circulars,
notifications, regulations and orders of the
State Bank of Pakistan. Any credit
balances in the Account(s) are not insured
by the Deposit Protection Scheme (DPS)
of UK nor by Federal Deposit Insurance
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Corporation (FDIC) of the USA nor by any

other corporation or company outside
Pakistan.

4.5.6) All the Account(s) opened by the

Cardmember shall be governed by the
terms hereof.

4.6) The Cardmember hereby irrevocably authorises

the Bank[Standard Chartered Bank (Pakistan)
Limited] to effect debit to the Pak Rupee Credit
Card Account of the Cardmember maintained
with the Bank in order to purchase foreign currency
notes or other allowed instruments on behalf of the
Cardmember to effect remittance, or to instruct
money exchanger to effect such remittances on
behalf of the Cardmember against payment of
equivalent Pak Rupee debited from Cardmember's
account together with all applicable costs, as
allowed by State Bank of Pakistan, for settlement
of the foreign currency dues/ outstanding
balance of the Cardmember. In this regard the
Cardmember irrevocably authorises the Bank to
purchase or instruct to purchase foreign currency
(instruments/ cash) from the authorised money
changers or equivalent currency exchange
instruments as allowed by law and accordingly
debit the relevant local currency account of the
Cardmember (at the sole risk, cost and expense
of the Cardmember) in order to recover all
outstanding Rupee and Non-Rupee charges and
liabilities and all costs and expenses incurred in
connection therewith. The Cardmember also
irrevocably authorises the Bank to debit his Pak
Rupee account for a handling fee, which the bank
deems appropriate and may impose from time to
time for such foreign currency handling. This
added Clause 4.6 will be in addition to, and not
in derogation of the existing Condition of Use. In
case of any conflict between this newly added
Clause 4.6 and any other Clauses, this Clause
4.6 shall prevail.

5. Payment

5.1 (a) Charges may be levied on Cardmembers from time

to time as per rates notified through the Schedule
of Charges which is available at all the branches of
the Bank. The Cardmember agrees to immediately
pay all such charges as and when applicable and
further agrees not to dispute/ challenge the levy of
such charges by the Bank on the Card from time to
time.
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5.1 (b) In addition to the above, the Bank may from time
to time, as it deems fit in its absolute discretion,
impose additional fees, charges etc. upon giving
the Cardmember due written notice of the same.

5.2) The Bank shall every month send a Statement of

Account to the Cardmember and the
Cardmember shall pay at least the Minimum
Payment Amount stated therein by the Payment
Due Date. In the event that the Bank is unable to
send a Statement of Account for any reason, the
obligations of the Cardmember under these
Conditions of Use to the Bank shall not cease
and all applicable Charges, Fees and Liabilities
and other costs and expenses payable under
these Conditions of Use shall continue to accrue
and for the purpose of calculation and
establishment of the date on which the payment
is due, the Bank may select a date each month
as the Payment Due Date.

5.2.1) If the Cardmember effects full payment of the

Current Balance outstanding in the Card
Account on or before the Payment Due Date
inclusive of any Service Fee and other fees
for Cash Advances payable under Clause
6.2 for the period covered by the relevant
Statement of Account, the Bank will not
charge any Service Fee.

5.2.2) If the Cardmember effects payment of any

amount less than the Current Balance then
outstanding on or before the applicable
Payment Due Date, the Cardmember
agrees to pay a Service Fee of an amount
prescribed in Schedule of Charges or as
the Bank may specify from time to time by
way of notice to the Cardmember on the
Balance then outstanding in the Card
Account until the amount is paid in full,
as detailed in the Statement of Account
to which such payment relates;

5.2.3) If the Cardmember fails to effect payment

of at least the Minimum Payment Amount
on or before the applicable Payment Due
Date, in addition to outstanding amounts
then due and payable, the Cardmember
agrees to make Late Payment Fee of an
amount prescribed in Schedule of
Charges. This will be in addition to all
other charges applicable.
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5.3) If the Cardmember fails to pay the Minimum

Payment Amount in any previous Statement of
Account by the Payment Due Date stated
therein, then and without prejudice to the
Bank's rights and remedies, the Cardmember
shall pay to the Bank, in addition to paying the
applicable Minimum Payment Amount for the
Current Statement of Account, all arrears in the
Minimum Payment Amount payable for earlier
periods, and any and all delayed payments, Cash
Advance or other fees relating thereto and
all other applicable costs and expenses by the
Payment Due Date specified in the Current
Statement of Account. In the event the
Cardmember exceeds the Credit Limit without
the Bank's prior written approval, the
Cardmember will pay, on demand such
unauthorised excess over the Credit Limit
together with any costs and expenses in relation
thereto.

5.4) All payments to be made by the Cardmember

shall be in Rupees. Accordingly for Non-Rupee
Charges payable by the Cardmember, the
Cardmember hereby irrevocably authorises the
Bank to effect debit to the Foreign Currency
Account of the Cardmember maintained for this
purpose with the Bank and to appropriate the
proceeds therein and/ or to take such further
action whatsoever as the Bank deem
appropriate or necessary to fund such account
for and on behalf of the Cardmember by way of
purchase of foreign currency from authorised
money changers and/ or Foreign Exchange
Bearer Certificates and/ or equivalent currency
exchange instruments as allowed by law and
accordingly debit the relevant local currency
account of the Cardmember opened pursuant
to Clause 4.5 or otherwise (at the sole risk cost
and expense of the Cardmember) in order to
recover all outstanding Non-Rupee Charges and
Liabilities and all costs and expenses incurred in
connection therewith. In the event the
Government of Pakistan declines to permit
continued convertibility of Rupee currency
through the services of authorised money
changers by way of Foreign Exchange Bearer
Certificates at any time, the Cardmember agrees
to make payment to the Bank in Rupees of all
Non-Rupee Charges converted at such rate of
exchange as the Bank shall specify for this
purpose.
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5.5) The Bank shall charge the Cardmember and

debit to the Card Account Cheque Return
Charges as specified in the Schedule of
Charges or as the Bank may specify from time
to time by way of notice to the Cardmember,
if any cheque or other payment order issued
by the Cardmember or Supplementary
Cardmember or any other party to the Bank in
order to make payments for current or other
Statement of Account is not honoured for
payment for any reason whatsoever. However,
payment of Cheque Return Charges shall not
discharge the Cardmember from the liability
under the law for dishonouring of the cheque(s)
issued by him/ her.

5.6) All payments received by the Bank from the

Cardmember may be applied in and towards
payment of unpaid Fees, Cash Advances,
Charges, Liabilities and other costs and
expenses in previous or current Statement of
Account in such order of priority as the Bank
may deem fit.

5.7) The Bank's right against the Cardmember shall

not be determined, affected or prejudiced by,
and all amounts payable to the Bank, actual or
contingent, shall immediately become due or
payable upon the death, insolvency or insanity
of the Cardmember and/ or Supplementary
Cardmember, and the Cardmember and/ or
Supplementary Cardmember shall immediately
cease to be valid, and their heirs, executors,
receivers, etc. shall return to the Bank all Cards
cut into half and make full payment as required
to the Bank.

5.8) The Bank shall be entitled at its absolute

discretion, to demand return of the Card and/ or
immediate payment of all amounts outstanding
under the Card Account at any time without
giving any reason or notice and without any
liability to the Bank.

5.9) The Bank shall only credit the Card Account

with a refund in respect of a Card Transaction in
accordance with its usual practice if and when
the Bank receives such refund in Pakistan.

5.10) In the event of an attachment order over the

Cardmember’s assets being issued, insolvency
or death, or upon demand by the Bank or any
reason whatsoever, or in the case of breach of
these conditions, the Cardmember shall settle
his/ her debit balances immediately. This
commitment shall bind heirs and successors
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without any objection or challenge.

5.11) In the event payment for purchase of a foreign

airline ticket is made through Card the amount
billed by the airline is treated as a foreign
currency transaction. The transaction amount,
billed by the airline in foreign currency, will be
subject to all applicable rules and procedures of
Standard Chartered Bank for conversion of
foreign currency into rupees, based on the
exchange rate being used by Standard
Chartered Bank at the time of the conversion.

5.12) The Bank may obtain an affirmation from

Cardmembers, for collecting payments for the
outstanding amounts (minimum or current
balance) vide a standing instruction/ auto-debit
declaration.

6. Cash Advance

6.1) If the Bank so approves, the Cardmember may

use the Card to obtain Cash Advance up to the
maximum cash advance limit decided by the
Bank, from time to time, at participating bank
counters or ATMs.

6.2) The Bank shall charge service fee on each Cash

Advance from the date of each Cash Advance
until the date of full payment at the
rate specified in the Schedule of Charges or as
notified by the Bank to the Cardmember. In
addition, the Cardmember shall also be liable
to pay a Cash Advance Fee per transaction as
provided in the Schedule of Charges or as notified
by the Bank to the Cardmember in addition to the
Cash Advance Fee levied by other participating
banks or financial institutions or ATMs which
accept the Bank’s Card.

7. Security

7.1) The Cardmember hereby hypothecates to the

Bank as continuing security for any and all
Charges and Liabilities and other amounts
outstanding and payable by the Cardmember to
the Bank thereunder all present and future
household goods owned by the Cardmember
including, without limitation, all consumer
durables and household furniture and fittings of
every type and description, household and
office appliances, equipment such as Air
Conditioners, TV sets, Refrigerators, Computers,
Cars, Vehicles, Cash, Shares and other valuables
etc. (hypothecated property) in the event of
non-payment by the Cardmember of any and all
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Charges and/ or Liabilities and/ or amounts

payable to the Bank pursuant to these
Conditions of Use, the Bank is entitled to
repossess the hypothecated property and, to
effect sale of the same by private agreement or
public auction, for such amount or amounts and
at such price or prices as the Bank, in its sole
discretion, shall deem satisfactory. The
Cardmember agrees to pay to the Bank all the
cost and expenses incurred in connection with
the enforcement of hypothecation and shall be
liable to the Bank for the balance if the proceeds
of sale will be deficient to satisfy the entire dues
of the Bank. The Cardmember hereby
indemnifies the Bank from any and all losses,
claims and damages arising out of or in
connection with any Bank repossession and/ or
sale of the hypothecated property.

7.2) The Cardmember hereby assumes full liability as

principal debtor for all amounts due and payable
to the Bank by the Supplementary Cardmember
including every and all types of Charges and
Liabilities and all other costs and expenses
payable by the Supplementary Cardmember to
the Bank.

7.3) The Cardmember authorises the Bank to act on

the verbal instructions communicated to an
authorised representative of the bank over the
telephone. The Bank reserves the absolute right
to verify the identity of the Cardmember over the
telephone. The Cardmember will be liable for any
and all transactions made after the standard
verification by the Bank's authorised representative.
The Cardmember also agrees that his entire
telephone conversation with the authorised
representative may be recorded at the discretion
of the Bank for any particular purpose.

8. Supplementary Card

8.1) The Bank may issue a Supplementary Card to a

person(s) nominated by the Cardmember and
approved by the Bank as Supplementary
Cardholder(s) thereof. If a Card is issued to the
Supplementary Cardmember, the Cardmember
shall be exclusively liable to the Bank as principal
debtor for all Charges and Liabilities and other
costs and expenses incurred or payable by the
Basic Cardmember and/ or the Supplementary
Cardmember. The Credit Limit assigned to the
Cardmember is inclusive of the Credit Limit of
the Supplementary Cardmember, and the
Cardmember and the Supplementary
Cardmember shall not permit the total of the
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Charges incurred under or through their

respective Card accounts to exceed the said
Credit Limit.

8.2) Any payment made by the Cardmember

to the Bank shall be allocated towards reduction
of the debit balance in the Card Account (in
accordance with Clause 5.6) but the
Cardmember shall continue to remain liable for
any outstanding post-payment debit balance, if
any, in the Card Account.

9. PIN

9.1) The Bank may issue a PIN to the Cardmember

and/ or Supplementary Cardmember for use at
any bank counter or ATM, which will accept the
Card. The Cardmember agrees that:
a) The PIN may be sent by post and/ or in any
other way at the discretion of the Bank to the
Cardmember and/ or Supplementary
Cardmember at his/ her risk.
b) The Cardmember and/ or Supplementary shall
ensure that he/she shall not disclose the PIN
to any person and shall take every reasonable
precaution to prevent disclosure of the PIN
to any person.
c) Subject to Clause 11.2 the Cardmember shall
be fully liable to the Bank for all Card Transactions
made with the PIN whether with or without the
knowledge of the Cardmember. It is further
clarified that the Bank shall not be responsible/
held liable for any unauthorised charges incurred
before such notification to the satisfaction of the
Bank is made to the Bank as provided herein.

9.2) For contactless transaction, limits are set by

merchants and not by the issuing Bank.
PIN may not be required if the merchant machine
is not configured as per the required setup.
Transactions executed on the POS will not ask
for PIN if the amount is less than PKR 3000 as
per the instructions issued by the regulator.
The Bank cannot be held responsible for the merchant’s
discretion to require PIN for any given transaction.
Clients will be liable for all losses until reported
that the Card is lost or stolen.

10. TIN

10.1) At the request of the Cardmember and/ or

otherwise at the discretion of the Bank, the Bank
may issue a TIN to the Cardmember and/ or
Supplementary Cardmember which may be
substituted by the Cardmember. The
Cardmember fully agrees that:
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a) The TIN may be sent by post to the Cardmember

and/ or Supplementary Cardmember or through
any other means as the Bank may consider
appropriate at the Cardmember and/ or
Supplementary Cardmember’s risk.
b) The security of your TIN is your complete
responsibility and the Cardmember and/ or
Supplementary Cardmember shall not knowingly
and/ or unknowingly disclose the TIN to any
person and shall take all precaution to prevent
disclosure of the TIN to any person in any way.
c) Subject to clause 11.2 the Cardmember shall be
fully liable to the Bank for all Card transactions
made with the TIN whether with or without the
knowledge of the Cardmember and/ or
Supplementary Cardmember. It is further clarified
that the Bank shall not be responsible/ held liable
for any unauthorised charges incurred before
such notification is made to the Bank as provided
herein.

11. Loss of Card / Disclosure of PIN/TIN

11.1) The Cardmember/ Supplementary Cardmember

shall not in any manner handover the Card to a
third person/ party. If the Card is lost or stolen
or the PIN/TIN is disclosed or known to any third
party in whatsoever manner, or the Card is
handed over by the Cardmember to a third
person, the Cardmember shall immediately notify
the said loss, theft or disclosure with all material
particulars including Card numbers, and/ or PIN/TIN
to the bank and shall require the bank to close/
block such Card account and keep proper proof
of the same for future references. In case of any delay
or failure to comply with the provisions of this clause,
all losses, charges and liabilities shall be the responsibility
of the Cardmember / Supplementary Cardmember.
Additionally, the Cardmember / Supplementary
Cardmember shall be responsible for all losses,
charges and liabilities incurred before the loss/theft of
the card or disclosure of PIN/TIN.

11.2) the Bank has the right to recover all

unauthorised charged and/or cash advances,
provided that the Cardmember is not liable for
any unauthorised transactions made on the
card subsequent to reporting the loss, theft or
disclosure of PIN/TIN and if there is due
notification of such loss, theft or disclosure as
specified herein, on the condition that the loss,
theft or disclosure is not due to the negligence
or fault of the Cardmember / Supplementary
Cardmember and the terms of Clause 11.1 and
11.3 have been complied with by the
Cardmember / Supplementary Cardmember
INTERNAL

to the satisfaction of the Bank.

11.3) If the lost or stolen card is recovered, the

Cardmember shall immediately return it to
the Bank. The Cardmember shall not use the
PIN/TIN after reporting to the Bank the disclosure
of the same to any third party.

11.4) The Bank has no obligation for establishing/

verifying the identity/ authority of any person or
determining the validity of any transaction as
long as where the person giving such
instructions purportedly in the Cardmember's
and/ or Supplementary Cardmember’s name
provides the Bank with the TIN and the Bank
shall not be liable for any acts done in
pursuance of such telephonic instructions,
regardless of the circumstances prevailing at
the time of such instructions, the nature of the
agreement and banking agreement.
Cardmember hereby indemnifies and releases
the Bank from any and all liability and agrees not
to make any claim against the Bank or bring any
action against the Bank for honouring or allowing
any actions or transactions where the person
giving such instruction provides the TIN assigned
to the Cardmember and/ or Supplementary
Cardmember for online transactions. Cardmember
agrees to reimburse the Bank for any losses it
suffers or any damages, injuries, costs or expenses
it incurs, including attorney's fees, as a result of
the Bank's honouring or allowing transactions on
the account where the TIN was used.

11.5) The Bank may in its absolute discretion, issue a

replacement Card for any lost or stolen Card on
these Conditions of Use or such other
Conditions of Use as the Bank may deem fit.

11.6) If the Card or any Supplementary Card is

misused by a person who acquired
possession of it with the Cardmember's
consent, the limit will not apply and the
Cardmember will be liable for all losses
(including any withdrawal made without the
authority of the Cardmember or of the
Supplementary Cardmember) until the
Cardmember reports that the Card is lost or stolen.

12. Reward Programme

12.1) Reward Points / WorldMiles are awarded based

on retail purchases made with your Credit Card.
Points are accumulated on statement date and
will be rounded to the nearest point.
INTERNAL

12.2) All Basic Cardmembers issued Cards by SCBPL

from the Commencement Date are eligible to
enrol in the Reward Programme. Enrolment is
currently free of cost but any fee for participation,
at the sole discretion of SCBPL at any time, can be
introduced in the Programme and will be updated
in the Schedule of Charges.

12.3) Reward Points / WorldMiles earned by a

Supplementary Cardmember will be credited to
the account of the Basic Cardmember and may
be used only by the Basic Cardmember for
redemption.

12.4) For Platinum Cardholders, on every

Rs. 40 Retail spend on Credit Card, SCBPL
will credit 1 Reward Point / WorldMile into Card
Account. However, SCBPL reserves the rights to
change at any time with prior notice to the Cardmember,
the ratios between retail spend and Reward
Points/ WorldMiles to be awarded. The redemption
of Miles would be PKR 0.70 against 1 mile.

12.5) Reward Points / WorldMiles will accumulate on

a monthly basis by reference to the total value
of qualifying retail purchases made on the Card
during that month.

12.6) Cardmembers would be given Reward Points /

WorldMiles for all Retail Transactions net of
Reversals.

12.7) Travel to any destination based on provided

airlines is subject to availability of flights and
seats.

12.8) All applicable taxes, service fees and surcharges

are the responsibility of the traveller.

12.9) The Bank has the first right to decide on the

timings of flight and availability of the airline
tickets.

12.10) In case of flight delay or closure of the airline, the

customer cannot hold the Bank accountable.
Bank’s responsibility is only limited to issuance
of the ticket.

12.11) SCBPL may by notice at any time vary the

nature or category of Credit Card transactions
that qualify for Reward Points / WorldMiles under
the Reward Programme.

12.12.1) Reward Points accumulated in the

Programme have no cash or monetary value and
thus no cash can be claimed by Cardmember from
INTERNAL

SCBPL against accumulated Reward Points.

12.12.2) WorldMiles can be redeemed for cashback

when tickets are purchased through airline.

12.13) No Reward Points / WorldMiles will be given to

the Cardmember against utility bill payment,
cash advance or cash withdrawal, fees and
charges, balance transfer, dial a cheque and
insurance transactions.

12.14) Redemption request for WorldMiles redemption

can be given by calling at our Client Centre
Service or by filling in online redemption request
form available on our website.

12.15) Reward Points / WorldMiles will not be redeemed

against delinquent accounts who have not paid
their outstanding for the past 90 days or more.
Moreover, all earned Reward Points / WorldMiles
will expire immediately.

12.16) The Card Account must be open, in good

standing and there should be no past due
balances on the Card Account. Moreover, it
should not be fraudulently operated.

12.17) Reward Points / WorldMiles accrued in the

Programme can be redeemed by the Basic
Cardmember only in his/her name or in the name of
his/her assigned.

12.18) In case the Cardmember voluntarily closes

his/her card, Reward Points / WorldMiles accrued
during the tenure of Card membership will
expire immediately.

12.19) If the Basic Cardmember’s account is

terminated at any time for any reason, whether
by the Cardmember or SCBPL, the
Cardmember and Supplementary
Cardmembers shall henceforth be disqualified
from participating in the Programme.

12.20) Processing and delivery of rewards to the

Cardmember would require up to four weeks.

12.21) All Reward Points / WorldMiles are subject to

availability with the respective Vendor(s) and
Business Partner(s) and restrictions may apply
as to when the rewards can be redeemed.

12.22) Reward Points / WorldMiles calculation for every

item mentioned in the Reward Catalogue is
subject to change depending on market rate.
INTERNAL

12.23) Redeemed Rewards are not exchangeable for

other rewards, refundable, replaceable or
transferable for cash or credit, under any
circumstances.

12.24) By redeeming a Reward, the Cardmember

releases SCBPL, its subsidiaries and affiliates
from all liabilities to the Cardmembers,
regarding the redemption or use of any reward
or other participation in the Programme.

12.26) Reward points will have an expiry of three years

from the time these Reward Points / WorldMiles
are earned subject to non-redemption by the
customer within the stipulated expiry period.
Expiry period is a matter of promotion only.
SCBPL reserves the right to extend or reduce
Reward Points / WorldMiles expiry period with
intimation of Reward Points/ WorldMiles expiry
to the customer.

13. Termination

13.1) The Cardmember may at any time, inform the

Bank of his/ her intention to close the Card
Account and to terminate the use of Card by
returning all Cards cut into half to the Bank. The
Card Account shall be closed only after the
receipt by the Bank of Cards cut into half and
after full payment to the Bank of all Charges and
Liabilities and all costs and expenses in relation
to the Card Account.

13.2) The Cardmember may at any time terminate the

use of any Supplementary Card by giving notice
in writing and returning the relevant
Supplementary Card cut into half to the Bank. In
such event, the Cardmember shall continue to
remain liable to the Bank for all Charges and
Liabilities and all other costs and expenses in
relation thereto in accordance with these
Conditions of Use, except for the Charges and
Liabilities incurred by the Cardmember and other
Supplementary Cardmember (if any) after the
Bank's receipt of the cut Supplementary Card.

13.3) All Cards issued to or collected by the

Cardmember or any Supplementary
Cardmember remain the property of the Bank at
all times. The Bank may at any time, recall and
cancel all or any Card(s) without assigning any
reason, without giving any prior notice to the
Cardmember or Supplementary Cardmember.
The Cardmember and the Supplementary
Cardmember shall immediately after such recall
and cancellation, return such Card(s) cut in half
INTERNAL

to the Bank and make full payment of all Charges

and Liabilities and all other costs and expenses
in relation thereto to the Bank.

13.4) The Bank may, at any time recall or cancel

all or any Card(s) with or without giving any prior
notice to the Cardmember and the Supplementary
Cardmember.

13.5) If the use of all or any Card(s) is terminated

under Clause 13.1 or Clause 13.2 or Clause
13.3, all charges and liabilities of the
Cardmember and / or Supplementary
Cardmember whether actual or contingent shall
become immediately due and payable to the Bank.

13.6) The Cardmember and the Supplementary

Cardmembers shall immediately, after such
recall, termination or cancellation, return such
Card(s) cut into half to the Bank and make full
payment of all charges and liabilities and all other
costs and expenses in relation thereto to the
Bank.

14. Exemption: Exclusion

14.1) The Bank is not liable for any loss or damage

howsoever incurred or suffered by the
Cardmember or Supplementary Cardmember
by reason of the Bank or a Merchant or any ATM
or other party refusing to allow a Card
Transaction or accept the Card or the card
numbers of the Cardmember, the PIN or to
extend or provide Cash Advance up to the
Credit limit, the Bank’s failure and / or delay in
carrying out any instructions communicated to
the Bank under online transaction facility on the
phone using the TIN or at all, the TIN / or in
connection with carrying out or failure or delay
in carrying out any of the Cardmember’s
instruction under these terms and conditions.

14.2) The Bank is not liable in any way for the quality,
quantity, sufficiency, acceptability of goods and/
or services reserved or purchased by the use of
the Card or Card numbers or for any surcharge
(additional amount) charged by the Merchant or
for any other breach or non-performance of any
Transaction by a Merchant. In the event of any
dispute between the Cardmember and the Bank
or any Merchant or any other person the
Cardmember's liability to the Bank shall not in
any way be affected or reduced or suspended
by such dispute or any other counter claim or
right of set-off which the Cardmember may have
against such Merchant or other person.
INTERNAL

14.3) The Bank is not liable in any way to the

Cardmember or Supplementary Cardmember for
any loss or damage of whatever nature due to or
arising from any disruption or failure or defect in
any ATM or other machine or communication
system or facilities or data processing system or
transmission links or due to or from any industrial
or other dispute or any other thing or cause
beyond the control of the Bank.

14.4) The Bank is not liable / responsible in respect

of any issues / complaints/ demands/ claims/ loss
and / or damage related to/ in collection with all or
any benefits/ services/ rewards offered to the
Cardmember by the Bank on behalf of and based
on the representations made by the Co-Partner of
the Bank in any Co-Brand Credit Card arrangement
that the Bank may have entered into and which is
being offered by the Bank to the Cardholder.

14.5) The Cardmember and the Supplementary

Cardmember hereby confirm that the Charges and
Card Transactions executed and paid pursuant to
these conditions of use are and will continue to be
in accordance with all applicable laws, regulations,
rules, circulars, and directives as may be amended
from time to time governing the use of credit cards
for the time being in force in Pakistan and further
hereby indemnify the Bank from any fines, losses,
and/ or damages incurred or suffered by the Bank
in the event of contravention of such laws,
regulations, rules, circulars and/ or directives by
the Cardmember and/ or Supplementary
Cardmember at any time.

15. Variation of Terms

15.1) The Bank may from time to time and at any time
change any of these Conditions of Use, including
without limitation the terms of payment,
percentage rates, charges and fees, and shall
accordingly notify the Cardmember by inclusion
in the Statement of Account or otherwise. Such
changes shall be effective from any date
specified by the Bank for such modification or if
contained in the Statement of Account, from the
date of the Statement of Account.

15.2) Retention by the Cardmember of the Card after

the Cardmember's receipt of any changes in
these Conditions of Use pursuant to Clause
15.1 shall constitute notice of the Cardmember’s
acceptance of such amended Conditions of Use
without reservation. In the event of Cardmember’s
non-acceptance of such Conditions of Use as
INTERNAL

amended, the Cardmember must immediately

terminate the use of the Card in accordance
with Clause 13.1 and 13.2, otherwise the
changed Conditions of Use will continue to apply.

16. Disclosure

16.1) While the Bank maintains strict confidentiality in

all matters relating to the Cardmember’s
account(s) and business, the Cardmember
hereby authorises the Bank (and/ or any of its
officers/ employees) to disclose any information
concerning the Cardmember/ Supplementary
Cardmember relating to his/ her business,
accounts held with the Bank or another Group
Member, or his/ her relationship with the Bank
or another Group Member to any of the following:
i) Any office or branch of the Bank, or any Group
member;
ii) Any agent, contractor or third-party service
provider, or any professional adviser to the
Bank or any Group member;
iii) Any of Cardmember’s guarantor or third party
security provider;
iv) Any regulatory, supervisory, governmental or
quasi-governmental authority with jurisdiction
over the Bank or any Group member;
v) Any person to whom the Bank or any Group
Member is required or authorised by law or
court order to make such disclosure;
vi) Any of the Bank’s actual or potential participant
or sub-participant in, assignee, novatee or
transferee of, the Bank’s rights and/ or
obligations in relation to Cardmember;
vii) Any other person under a duty of confidentiality
to the Bank or Group Member;
viii) Any bank or financial institution with which
Cardmember has or propose to have dealings
regardless of whether such recipient in each
case is located in Pakistan or in another
country (except India) that does not offer the
same level of data protection as Pakistan, and
regardless of whether such information will,
following disclosure, be held, processed, used
or disclosed by such recipient in Pakistan or
another country (except India).

16.2) The Bank will ensure that parties to whom

Cardmember’s/ Supplementary Cardmember’s
details are transferred, treat such information
securely and confidentially.

16.3) The Bank and the Standard Chartered Group will

retain Cardmember’s/ Supplementary
Cardmember’s information as long as there is a
business need to hold the information or as
INTERNAL

required by legal, regulatory, or accounting

requirements or to protect the Bank and the
Standard Chartered Group’s interests.

16.4) Under the laws of some territories (including the

United Kingdom), the Cardmember may have the
right to access information held about
the Cardmember in those territories. The
Cardmember understands that for the purpose of
the United Kingdom Data Protection Act, the ‘data
controller’ for the Cardmember’s personal
information is Standard Chartered Bank.

16.5) Further, the Cardmember/ Supplementary

Cardmember’s information may be used to:
i) Provide and operate any service or product
the Cardmember/ Supplementary
Cardmember require;
ii) Facilitate the provision of any service or
product to a third party for whom the
Cardmember/ Supplementary Cardmember
act as guarantor or security provider;
iii) Update and enhance the Cardmember’s/
Supplementary Cardmember’s records with
the Bank or any Group Member;
iv) Understand the Cardmember’s/
Supplementary Cardmember’s financial
needs, to advise the Cardmember/
Supplementary Cardmember of other
products and services which may be of
interest to the Cardmember/ Supplementary
Cardmember, for any purpose required by
law or regulation including fraud prevention;
v) Monitor Bank’s compliance with legal and
regulatory requirements and with the Bank
and the Standard Chartered Group’s internal
policy requirements; and support the Bank’s
and the Standard Chartered Group’s
business, financial and risk monitoring,
planning and decision making.

16.6) Bank can use my Credit Bureau / third-party

details for portfolio review, other business
proposals and for advising me products and
services.

17. Notices

17.1) All Cards, PINs, TINs, Notices, Statements of

Account, Demands or any other Communications
under these Conditions of Use (hereinafter
collectively called “Communications”) may be
delivered personally or by courier or be sent by
ordinary post to the last known billing or other
address of the Cardmember and such
Communications shall be deemed to have been
INTERNAL

served on the Cardmember on the day of delivery,

if delivered by hand and on the next business
day after posting, if sent by courier or by ordinary
post and/ or otherwise as provided hereunder.
All Communications under these Conditions of
Use sent to the Cardmember shall be deemed
to be Communications sent also to the
Supplementary Cardmember.

17.2) Any notice to be given by the Cardmember to

the Bank under these Conditions of Use shall
be given by registered post/ courier/ by hand
with acknowledgment due.

18. Indemnity

18.1) The Cardmember undertakes and agrees to

indemnify the Bank and holds it harmless against
any loss, damage, liability, cost and expense,
whether legal or otherwise, which the Bank may
incur by reason of these Conditions of Use or
any breach thereof or the enforcement of the
Bank's rights as herein provided (including any
loss incurred or suffered by the Bank in the
event of any Governmental restrictions imposed
on payment by the Cardmember in foreign
currency by way of cash or through Foreign
Exchange Bearer Certificates or otherwise).
Accordingly, all costs and expenses, including
legal costs and disbursements of every expense
incurred by the Bank in enforcing or seeking to
enforce or applying these Conditions of Use or
otherwise, shall be debited to the Card Account
and shall be paid as Liabilities by the
Cardmember.

18.2 (a) In consideration of the Bank agreeing to act on

the Cardmember's oral instructions specified
through the Bank in respect of such facilities as
maybe offered by the Bank from time to time
the Cardmember on behalf of himself/ herself
(including his/ her heirs and successors) in title
and assigns thereof, hereby agrees and
undertakes to indemnify the Bank and hold the
Bank harmless against losses, costs,
damages, claims, actions, proceedings,
demands and expenses that may be suffered,
incurred or sustained by the Bank as a result
thereof.

18.2 (b) The Cardmember confirms that any oral

instructions given to him/ her in respect of
Bank’s banking services maybe tape recorded
and monitored by the Bank and the same may
be produced as evidence in a court of law in
INTERNAL

case of any disputes between the Bank and

Cardmember.

18.2 (c) The Cardmember further undertakes not to deny

the genuineness of any such oral instructions,
and agrees that the Bank may suspend any
action or ignore any such instructions, if the Bank
in its absolute discretion deems fit.

18.2 (d) The Cardmember agrees that the Bank may debit
any of the Cardmember's and/ or Supplementary
Cardmember’s accounts with the Bank for all
costs, charges, or other amounts, which may be
incurred as a consequence of the provision by
the Bank to the Cardmember of any of Bank’s
Client Centre services/ facilities.

18.3 The Cardmember agrees not to hold the Bank

responsible for any delay or delays in the delivery
of the Card. Further, the Cardmember specifically
agrees that any notice sent by the Bank to the
last notified/ known address of the Cardmember
(if it does not specifically provide for the
Cardmember’s response), if not responded to
within 7 days of the date of the notice will be
construed as an implied consent from the
Cardmember in respect of the contents of the
notice and shall not be challenged/ disputed by
the Cardmember unless a response is received
by the Bank in writing within the time frame
provided above.

18.4 The Cardmember agrees not to hold the Bank

responsible in any manner whatsoever for
providing through the Banks’s underwriter (by
way of implied consent) any insurance scheme/
coverage in respect of the Card from time to
time or charging the MasterCard foreign
currency transaction settlement fee/ charges as
applicable from time to time charged by
MasterCard and recovered through the
Cardmember.

19. Right of set-off

19.1) The Bank may at any time and without notice or

liability in any way to the Cardmember or
Supplementary Cardmember combine or
consolidate any one or all accounts of the

Cardmember and/ or Supplementary

Cardmember with the Bank or any affiliate or
subsidiary (whether current or deposit or of any
other nature in whatever currency and whether
in Pakistan or elsewhere) and/ or set-off or apply
any money standing to the credit of any one or
INTERNAL

all of such accounts in or towards satisfaction of

the outstanding balance of the Card Account.
Where such combination, consolidation and/ or
set-off requires the conversion of one currency
into another, the Bank shall be entitled to effect
such conversion at such rate of exchange
prevailing on the day of such combination,
consolidation and/ or set-off as the Bank may
apply in accordance with the Bank's usual
practice in such connection and all exchange
risks, losses, premiums, commissions and other
Bank charges shall be borne by the Cardmember.

19.2) The Bank's right against the Cardmember and/

or Supplementary Cardmember shall not be
determined, affected, or prejudiced by, and all
amounts payable to the Bank, actual or
contingent or joint or several, shall immediately
become due and payable upon the
death of the Cardmember and/ or Supplementary
Cardmember.

19.3) The Bank's right to set-off all transactions

authorised by the Cardmember and/ or
Supplementary Cardmember before their death
shall continue to subsist till the Bank is informed
in writing about such death. Upon receiving this
information the Credit Card and Credit Card
account will be blocked for new transactions
after receiving this notice.

19.4) The Bank will not be obliged to allow any

operation or withdrawal except on the
production of a Succession Certificate or other
Court Order, from a Court of competent
jurisdiction. The legal heirs will be notified of a
debt balance and should agree to the required
adjustments before release of the funds in their
favour by the Bank.

20. Waiver

The Bank may at any time waive either

unconditionally or otherwise any of these
Conditions of Use or any default or breach of the
Cardmember provided that such waiver is given
in writing by the Bank and save as aforesaid, no
condoning or excusing of and no neglect or
forbearance on the part of the Bank of any
default or breach of any of these Conditions of
Use shall operate as a waiver of the Bank’s
rights and powers and no waivers shall be
inferred from or implied by anything done or not
done by the Bank unless expressed in writing
by the Bank. Any waiver shall operate only as
waiver of the particular matter to which it relates
INTERNAL

and shall not operate as a waiver of subsequent

breach in any of these Conditions of Use.

21. Full Force and Effects

These Conditions of Use shall remain in full force

and effect until the Bank acknowledges receipt
of all Cards and full payment of all Cardmember
and Supplementary Cardmember Charges and
Liabilities and other costs and expenses relating
thereto.

22. Severance

Each of these Conditions of Use shall be

severable and distinct from one another and if,
at any time, any one or more of such Conditions
of Use is, or becomes invalid, illegal or
unenforceable the validity, legality or
enforceability of the remaining provision shall not
in any way be affected or impaired thereby.

23. Taxes & Other Government Levies/ Duties

The Cardmember and Supplementary

Cardmember agrees to reimburse the Bank for
payment of any stamp duties and/ or excise or
other similar taxes or levies payable in connection
with any advances, finances, Card or Credit
provided by the Bank to the Cardmember or any
Supplementary Cardmember.

24. Assignments/ Transfer of Interest

The Cardmember and Supplementary

Cardmember hereby agrees that the Bank may,
in its sole discretion, assign, discount or
otherwise transfer part or all of its interest herein
(and/ or in any goods hypothecated by the
Cardmember and Supplementary Cardmember
pursuant hereto) to any third party for such
consideration or otherwise as the Bank deems
appropriate.

25. Renewal of Card

The Bank may issue a new card(s) automatically

unless instructed otherwise and also that the
Bank reserves the right not to reissue a card or
renew the Card. The Cardmember shall
continue to remain bound by these conditions
and any amendment thereto.
INTERNAL

26. Governing law

These Conditions of Use are governed by and

shall be construed in accordance with the laws
of Pakistan and the Cardmember and
Supplementary Cardmember hereby submit to
the jurisdiction of the Courts established in
Pakistan.

111-002-002 sc.com/pk
Standard Chartered Bank (Pakistan) Limited
UGCCv125032024