Payment Method

How do I pay for a purchase from smartcliQ?

SmartcliQ offers you multiple payment methods. Whatever your online mode of payment, you can rest assured that SmartcliQ's trusted payment gateway partners use secure encryption technology to keep your transaction details confidential at all times.

You may use Internet Banking, Gift Card & Cash on Delivery to make your purchase.

SmartcliQ also accepts payments made using Visa, MasterCard, Maestro and American Express credit/debit cards in India.

Are there any hidden charges (Octroi or Sales Tax) when I make a purchase on SmartcliQ?

There are NO hidden charges when you make a purchase on SmartcliQ. The prices listed for all the items are final and all-inclusive. The price you see on the product page is exactly what you pay.

Delivery charges may be extra depending on our policy. Please check our policy for the same.

Is Cash on Delivery available at

As of now we do not have avaialble COD (Cash on Delivery) options but we are working hard to make it avaialbale to you as soon as possible.

How do I pay using a credit/debit card?

We accept payments made by credit/debit cards issued in India.

Credit cards

We accept payments made using Visa, MasterCard and American Express credit cards.

To pay using your credit card at checkout, you will need your card number, expiry date, three-digit CVV number (found on the backside of your card). After entering these details, you will be redirected to the bank's page for entering the online 3D secure password.

Debit cards

We accept payments made using Visa, MasterCard and Maestro debit cards.

To pay using your debit card at checkout, you will need your card number, expiry date (optional for Maestro cards), three-digit CVV number (optional for Maestro cards). You will then be redirected to your bank's secure page for entering your online password (issued by your bank) to complete the payment.

Internationally issued credit/debit cards cannot be used.

Is it safe to use my credit/debit card on SmartcliQ?

Your online transaction on SmartcliQ is secure with the highest levels of transaction security currently available on the Internet. SmartcliQ partnered with one of the reputed payment gateway partner PayUmoney that uses best encryption technology to protect your card information while securely transmitting it to the respective banks for payment processing.

All credit card and debit card payments on SmartcliQ are processed through secure and trusted payment gateways managed by leading banks/payment gateway partner. Banks now use the 3D secure password service for online transactions, providing an additional layer of security through identity verification.

What steps does SmartcliQ take to prevent card fraud?

SmartcliQ realizes the importance of a strong fraud detection and resolution capability. We and our online payments partners monitor transactions continuously for suspicious activity and flag potentially fraudulent transactions for manual verification by our team.

In the rarest of rare cases, when our team is unable to rule out the possibility of fraud categorically, the transaction is kept on hold, and the customer is requested to provide identity documents. The ID documents help us ensure that the purchases were indeed made by a genuine card holder. We apologise for any inconvenience that may be caused to customers and request them to bear with us in the larger interest of ensuring a safe and secure environment for online transactions.

What is a 3D Secure password?

The 3D Secure password is implemented by VISA and MasterCard in partnership with card issuing banks under the "Verified by VISA" and "Mastercard SecureCode" services, respectively.

The 3D Secure password adds an additional layer of security through identity verification for your online credit/debit card transactions. This password, which is created by you, is known only to you. This ensures that only you can use your card for online purchases.

How can I get the 3D Secure password for my credit/debit card?

You can register for the 3D Secure password for your credit/debit card by visiting your bank's website. The registration links for some of the banks have been provided below for easy reference:

State Bank of India



Punjab National Bank

Axis Bank

Corporation Bank

Andhra Bank

Bank of Baroda

Standard Chartered India

Union Bank of India

Central Bank of India


Deutsche Bank

Dhanlakshmi Bank


Canara Bank

IndusInd Bank

Federal Bank

Kotak Mahindra Bank

Karur Vysya Bank

Oriental Bank of Commerce

South Indian Bank

Vijaya Bank


Can I use my bank's Internet Banking feature to make a payment?

Yes. SmartcliQ offers you the convenience of using your bank's Internet Banking service to make a payment towards your order. With this you can directly transfer funds from your bank account, while conducting a highly secure transaction.

We accept payment through Internet Banking from almost all nationalize banks, private banks & other banks for more detail please visit our payment gateway partners website.

Can I make a credit/debit card or Internet Banking payment on SmartcliQ through my mobile?

Yes, you can make credit card payments through the SmartcliQ mobile site and application (we have plan to launch it at later stage). SmartcliQ’s payment gateway partner uses industry best encryption technology to protect your card information while securely transmitting it to the secure and trusted payment gateways managed by leading banks.

How does reward point system work?

The reward point system is instant and exclusive to You can gain more reward point as you buy more with us. You can redeem those at any point of time while you are buying with us. After redeeming those you only pay the final price you see in your shopping cart. You can redeem these point if you choose C-o-D (cash on delivery) option.

How do I place a Cash on Delivery (C-o-D) order?

All items that have the "Cash on Delivery Available" icon are valid for order by Cash on Delivery.

Add the item(s) to your cart and proceed to checkout.

Once verified and confirmed, your order will be processed for shipment in the time specified, from the date of confirmation. You will be required to make a cash-only payment to our courier partner at the time of delivery of your order to complete the payment.

Terms & Conditions:

  • The maximum order value for C-o-D is Rs.50,000
  • Gift Cards or Store Credit cannot be used for C-o-D orders
  • Cash-only payment at the time of delivery.