These are the transaction categories that would be define as eCommerce spend if they fulfil either one of the criteria:

a. Merchant (card acceptor) city is indicated as eCommerce (Merchant City = eCommerce)

b. Electronic order though e-commerce / online ( POS Entry Mode = E-Commerce AND Card
Holder Presence = Electronic Order)

c. Cards details are manually entered /not swiped AND transaction order is executed through
secure code authorization (Pos Entry Mode = Manual Entry AND eCommerce indicator =
Ecommerce)

d. Card details are manually entered / not swiped AND transaction is a standing order / recurring
transaction ( POS Entry Mode = Manual Entry AND Card Holder = Standing Order / Recurring
Transaction AND Pos Terminal Location = No Terminal Used)

e. Bill Payment through Standard Chartered Internet Banking


You can read more info here: SC terms and condition https://www.sc.com/global/av/my-tnc-just-one-plat-product-jul2017.pdf