0% Mark up

No mark up or hidden charges on Standard Chartered Credit cards. However an admin and processing fee is charged.

Instant Approval

Choose your plan, (Car or Health Insurance)pay with your credit card and your policy is ready to start.

No Down Payment

Start your cover instantly with no hefty downpayment.

How to avail EMI

  1. Select your Insurance plan
  2. Share your details with respect to your policy
  3. Click buy now and check “avail installment option”
  4. Confirm EMI tenure with our call center agent
  5. Pay via payment link shared by smartchoice.pk
  6. Get covered

Please note: it takes up to 7 working days for your EMI plan to be activated and you will receive a SMS from your bank once this is done

Terms and Conditions

Following are the Terms & Conditions applicable on EMI plan and are to be read along with the Credit Card terms and conditions:

  • Minimum purchase amount for each transaction (should include only one product) should be PKR 10,000 to book an Easy Monthly Instalment.
  • Only customers opting for EMI on Smartchoice.pk EMI checkout page are eligible for this promotion.
  • Easy Monthly Instalment is available at 0% mark-up, however, a processing fee of 5.5% of the order amount is charged for 06 months tenure
  • In case of early closure of instalment plan (before completion of tenure), pre-payment charges will be Rs 1,000 or 5% of the remaining amount whichever is higher.
  • The conversion of purchase to Easy Monthly Instalments may take up to 5 working days
  • Purchase on Smartchoice to be made 3 working days before the next credit card statement is generated to ensure the transaction reflects in that statement. For example, your statement date is March 24, 2020, then the purchase should be made before March 21, 2020
  • If you make a purchase immediately after the statement date then the transaction will reflect in the next month’s statement.
  • The Bank providing EMI service is acting as corporate agent/distributor of third party products/services and shall not be responsible in any manner to any person or to any claim.
  • In case of order cancellations by Smartchoice, the instalment plan will be cancelled and no pre-payment charges will apply.
  • In case of order cancellations, it is customer’s responsibility to call SCBPL and cancel the relevant instalment plan.
  • In case of order cancellations, it is customer’s responsibility to call SCBPL and cancel the relevant instalment plan.
  • The bank has right to cancel this promotion any time without any intimation