Q. How does aXcessPlus work?

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.

• aXcessPlus customers get FREE* aXcess to cash withdrawals at over 20,000 Visa ATMs in India up to four free transactions per month.
• This is over and above unlimited free aXcess to all Standard Chartered Bank ATMs.
• The Debit Card can be used to make purchases at over 326,000 merchant outlets in India.

Q. What is a debit card?

The globally valid Standard Chartered Debit Card is the easiest way of aXcessing your bank 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.

Q. Which ATMs can aXcessPlus customers use for free?

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
• Axis 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

This is over and above all SCB ATMs.

Q. What is the advantage of a debit card?

The debit card offers tremendous convenience in payments and helps reduce the amount of cash you need to carry. 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.

Q. 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.

Q. What are the fees for holding a Standard Chartered Debit Card?

The joining fee is Rs. 200 and there is a nominal fee of Rs. 200/- from the 2nd year onwards.

Q. 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).

Q. Which outlets will accept the Standard Chartered Debit Card?

The Standard Chartered Debit Card is welcomed at all merchant establishments and ATMs that accept Visa Electron in India and Abroad. Get instant cash at over 20,000 ATMs across India and over 10,00,000 ATMs across the world through the Visa network. And get a globally valid Debit Card that lets you shop at over 3,26,000 outlets in India and at over 14 million outlets across the world.

Q. 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.

Q. 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. You are also advised to send a letter to the bank at the address / fax no. advised to you by the Phone Banking executives.

Q. 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.

Q. What is the amount up to which I can make payments with the help of a Debit Card?

For safety reasons we have placed a daily transaction limit of Rs. 25,000 at the ATMs and Rs. 25,000 at the point of sale.

Q. What will be the time required by the bank for the processing of a Debit Card?

Your Debit Card will reach you within 3-weeks of the receipt of your application form.

Q. Will I be able to use my Debit Card at petrol pumps and for railway ticket bookings?

Yes. You would need to pay a surcharge of 2.5% of the purchase as per industry practice.

Q. What will be the validity period of my Debit Card?

Your Debit Card will be valid for 7 years from the date of issue.

Q. Who can be a Debit Cardholder?

Only customers who are sole account holders or joint holders with 'either or survivor' operating mandate can become a debit card holder.

* 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.