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Standard Chartered Ultimate Credit Card

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हिंदी में पढ़े
Updated: 13-08-2021 06:35:18 AM

Important: As per RBI guidelines, issuance of new credit cards on Mastercard platform has been discontinued until further notice. Normal card services will continue for existing users

Standard Chartered Ultimate credit card provides multiple benefits to cardholders. You can enjoy discounts on travelling, dining and lifestyle. The card provides ultimate rewards and world-class privileges to its customers justifying the fees and charges levied on the card. Additional information about the card is mentioned below.

Standard Chartered Ultimate Credit Card- Features and Benefits
Standard Chartered Ultimate Credit Card- Fees and Charges
Pros and Cons
Should you get this card?
Cards Similar to Standard Chartered Ultimate Credit Card
Standard Chartered Ultimate Credit Card- Eligibility and Documentation
How to Apply for Standard Chartered Ultimate Credit Card?
FAQs

Standard Chartered Ultimate Credit Card- Features and Benefits

Reward Points- Earn 5 reward points on every Rs. 150 spent. Get maximum benefit with 1 reward point = Re 1

Welcome Benefit- Get 6,000 reward points on payment of joining fee

Travel Benefits-

  • 2% foreign currency markup fee on overseas spends
  • 5% cashback on duty-free spends
  • Access to over 1000 airport lounges across the world with a complimentary Priority Pass Membership (Usage is chargeable at $27 per visit. The fees will be waived for 1 visit per month for customers whose card spend in the last month exceeds Rs. 20,000)
  • Travel and Air Accident Cover of up to $200K and Medical Travel Insurance of up to $25K.

Golf Benefits- Access to 20 premier golf courses in India and 150 worldwide. 1 complimentary game and 1 complimentary coaching session per month

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Standard Chartered Ultimate Credit Card- Fees and Charges

Fee/ChargeAmount/Rate
Annual FeeRs. 5,000
Renewal Fee (second year onwards)Rs.5,000
Finance Charges3.75% per month / 45.00% per annum
Late Payment Charges
  • Rs. 0 for statement outstanding balance less than or equal to Rs. 100
  • Rs. 100 for statement outstanding balance between Rs. 101 and Rs. 500
  • Rs. 500 for statement outstanding balance between Rs. 501 and Rs. 5,000
  • Rs. 700 for statement outstanding balance between Rs. 5,001 and Rs. 10,000
  • Rs. 800 for statement outstanding balance between Rs.10,001 and Rs.25,000
  • Rs. 1200 for statement outstanding balance greater than Rs. 25,000

*For most important terms and conditions of SCB Ultimate Credit Card, Click Here.

Pros and Cons

ProsCons
3.33% cashback across categoriesHigh annual fee of Rs.5,000
5% cashback on duty-free spendsNo fee waiver
Low FX markup fee–

Should you get this card?

If you want to own a credit card that gives high cashback and special benefits on multiple categories such as travel, shopping, and dining, Standard Chartered Bank Ultimate Credit Card is a great option. This card has a 3.3% rewards rate and allows its users to redeem the points for gift vouchers, which makes it a worthy competitor of several premium credit cards such as HDFC Infinia and HDFC Diners Black Card. The SCB Ultimate Credit Card also provides good travel perks such as Priority Pass membership, 5% off on duty-free purchases, and a 2% foreign transaction fee—one of the lowest in India. 

Under dining benefits, it offers up to 25% discount on over 250 participating restaurants in India. You will be able to enjoy golf benefits as well. So, if you are a frequent traveler or someone who is interested in higher rewards, this is a good option.

Cards Similar to Standard Chartered Ultimate Credit Card

Credit CardAnnual FeeKey Feature
SBI Card PRIMERs. 2,999Complimentary Memberships (Trident, Vistara, etc.) and Lounge Access
Citi Bank Premier Miles Credit CardRs. 3,000Premier Miles, Air Miles, Lounge Access, etc.
SBI Card ELITERs. 4,999Free Memberships (Club Vistara, Priority Pass, etc.)
IndusInd Bank Nexxt Credit CardRs. 3,499Complimentary membership to Priority Pass Program and Travel Plus Program
HDFC Bank Infinia Credit CardRs. 10,000Unlimited free golf games at select courses worldwide
ICICI Bank Emeralde Credit CardRs. 12,000Unlimited Lounge Access, No over limit, cash withdrawal or late payment charges
American Express Platinum Reserve Credit CardRs. 5,000Complimentary access to 14 premium golf courses in India and Priority Pass Membership

Standard Chartered Ultimate Credit Card- Eligibility and Documentation

CriteriaDetails
AgeMinimum- 21   |      Maximum- 65
OccupationSalaried or Self-employed
Minimum Income for Salaried ApplicantsRs. 2 Lakh per month
Minimum Income for Self-employed ApplicantsRs. 24 Lakh per annum
Serviceable CitiesClick here for the list of eligible cities
Paisabazaar ensures hassle-free application for SCB Credit Cards. No income documents required

*T&C Apply

How to Apply for Standard Chartered Ultimate Credit Card?

You can apply for the Ultimate Credit Card through Paisabazaar. Follow the steps given below:

  • Click here to start the application by entering occupation, income and existing credit card details
  • Select Standard Chartered Credit Cards from the filter and then select Ultimate Card
  • Check eligibility for this card by entering some more details
  • If eligible, proceed with the application by providing professional, residential and other information as asked
  • Submit the application

After a successful online application, the applicant would get a call from Paisabazaar or from Standard Chartered Bank to decide the right time and place for document collection. Once the documents have been submitted, the bank will verify the details and, if satisfied, issue the credit card.

FAQs

Can I transfer my outstanding balance on any other bank’s credit card?
Yes, Standard Chartered Ultimate credit card provides the facility of ‘Balance Transfer’ via which you can transfer your outstanding balance on any other bank’s credit card.

Are my online transactions secured?
Yes, all the online transactions secured with 3D secure OTP verification feature.

Will I be charged if I use my card overseas?
All the overseas transactions are levied with 3.5% transaction fee.

What are the additional benefits on SCB Ultimate credit card?
You can get a chance to get Rs.10,000 cashback on MakeMyTrip on booking tickets within 90 days of card issuance along with complimentary Priority Pass Membership.

Can I apply for Ultimate Virtual Card?

Yes, you can apply for an Ultimate Virtual Credit Card for golf benefits, dining privileges, and more and access these benefits instantly. Click here to know more.

What is the age limit for availing medical insurance?

Cardholders should be between 18-70 years of age. Also this facility is only available for the primary cardholder.

Standard Chartered Bank Credit Card
(4.1/5 ) 1224 Reviews
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Aug 8, 2019
5/5
Replacement

Replacement for the lost card happened at a reasonable rate of INR 100.

Aug 8, 2019
5/5
Agents

The agents and team are available for assistance all round the clock.

Aug 8, 2019
5/5
On account of lost card

On account of lost card, I contacted the team and they helped me out!

Aug 8, 2019
5/5
Redemption of the rewards

This is only INR 100 fee applicable for the redemption of the rewards.

Aug 8, 2019
5/5
Lost my card

When I had lost my card, the agents gave me an emergency replacement.

Aug 8, 2019
5/5
Truly appreciate

I truly appreciate the concierge service that comes with this card.

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