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Standard Chartered Ultimate Credit Card Features & Benefits

Welcome Benefits

You get 6,000 Reward Points as a joining/welcome benefit. These points can be redeemed for shopping vouchers, and charity spends under the 360° rewards program.

Standard Chartered Ultimate Credit Card Rewards

• You earn 5 RPs on every ₹150 spent on retail purchases using the card.
• The following categories shall now earn 3 Reward Points on every ₹150 spent- Utilities, supermarkets, insurance, property management, schools, governments, and rental payments.
• You also get a 5% cashback on purchases from duty-free stores at airports, with a monthly maximum cashback cap of ₹ 1,000.
• No reward points are earned for Fuel and cashback transactions.

Rewards Redemption

• The reward points that you’ve earned can be redeemed against shopping vouchers (from popular brands like Nykaa, Croma, Shoppers Stop, etc.) and charity spends on the Standard Chartered online portal under the 360° rewards program.
• The value of 1 RP for this card is Re. 1.
• These earned Rewards expire 3 years from the accumulation date.

Standard Chartered Ultimate Credit Card Travel Benefits

• You get a complimentary Priority Pass membership.
• You get 4 complimentary domestic lounge access in a calendar quarter.
• You get 1 complimentary international airport lounge visit every calendar month.

The Priority Pass can be used for 1 complimentary international lounge access per month only if you spend ₹20,000 or more with your credit card in the previous month. Any visits over the complimentary visit per month, including guest visits, will be charged the Priority Pass usage fee.

Golf Benefits

• 1 complimentary Golf game every month at selected domestic golf courses.
• 1 complimentary Golf coaching session at selected domestic golf courses.

Standard Chartered Ultimate Credit Card Insurance Benefits

Fuel Surcharge

This card also provides a 1% fuel surcharge waiver at all petrol pumps across India. The maximum fuel surcharge waiver is ₹1000 per month.

Standard Chartered Ultimate Credit Card Foreign Currency Markup

The credit card’s foreign currency mark-up is significantly lower than others, at only 2%.

Standard Chartered Ultimate Credit Card Eligibility

In order to improve the chances of approval for the Standard Chartered Ultimate Credit card, you will need to fulfill certain eligibility criteria, which are as follows:

• Your age must be between 21 and 65 years.
• You must have a stable source of monthly income.
• You should have a decent credit score.

How to Apply for Standard Chartered Ultimate Credit Card?

You can apply for the SC Ultimate credit card online by clicking on “Apply Now.” Once you’ve successfully submitted your digital application, a bank executive will get in touch with you to complete the documentation. You will have to submit an ID proof (like an Aadhaar card, PAN card, voter card, or any other government-issued ID proof), an address proof, a passport-sized photo of yours, and financial documents like IT return proof (for self-employed individuals) or the latest bank statements/salary slip (for salaried employees). Your card application can also be processed based on your other credit statements.

Standard Chartered Ultimate Credit Card Review

Considering all the benefits that it comes bundled with, the Standard Chartered Ultimate credit card can be a good option for HNIs (High Net-worth Individuals) who travel frequently and want to enjoy a lavish lifestyle as it offers benefits like 16 domestic lounge access, complimentary Priority Pass membership, cashback on shopping from duty-free stores at airports and an air accident insurance cover. You also get premium benefits like concierge service, golf games, and coaching sessions. This card offers good competition to HDFC Bank Infinia credit card. What are your views about this card? Make sure to let us know in the comment section below. If you’re an existing cardholder, feel free to share your experiences.