How do I pay for a purchase from Smriti Apparels?

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

1. You may use Internet Banking/Net Banking to make your purchase.

2.  Your payment can also be wire transferred directly to our bank account here in India:


     Account Details are as follows:

     Account I -  

     Beneficiary Name: Smriti Apparels

     Bank Name: IDBI Bank

     Branch: Park Street Branch, Kolkata, India.

     Account Number: 0012102000031329

     Swift Code: IBKLINBB135

     IFSC Code: IBKL0000012

3. We also accept payments made using Visa, MasterCard & Maestro options in India.

4. For International purchases, you can make payments using your Paypal account.

5.  We also have Cash on Delivery payment option applicable only within India.

  • Cash on delivery is only available for 50% of the total cart value. The remaining 50% of the total cart value will have to be paid at the time of placing your order!
  • For security purposes, your billing name and address must match that of the Credit/Debit card used for payment. We reserve the right to cancel and refund any order that does not match this criteria.

Are there any extra charges when I make a purchase on Smriti Apparels?

There are no extra charges when making a purchase on Smriti Apparels for orders to be delivered within India.

However, shipping charges for international deliveries will be calculated at our payment page and will be borne by the customer & will vary depending on the country and the product/s purchased.

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 back 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.

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

Your online transaction is secure with the highest levels of transaction security currently available on the Internet. We use 256-bit 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 are processed through secure and trusted payment gateways managed by leading banks. Banks now use the 3D Secure password service for online transactions, providing an additional layer of security through identity verification.

What steps does Smriti Apparels take to prevent card fraud?

We realize 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 to ensure that the purchases were indeed made by a genuine card holder. We apologise in advance, 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 "MastercardSecureCode" 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. 

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