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Standard Chartered Bank Ultimate Credit Card: High Rewards, Golf Benefits

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Standard Chartered Bank Ultimate Credit Card is a premium credit card that offers high cashback and benefits on various categories such a travel and rewards. The card comes with a reward rate of 3.3%, which makes it stand among the league of other super premium credit cards like HDFC Infinia that have similar reward rate. Also, the card offers discounts on travelling, dining and lifestyle with other world class privileges that make it a worthy addition to your wallet.

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Updated: 26-11-2024 11:08:45 AM

Key Highlights of Standard Chartered Ultimate Credit Card
Standard Chartered Bank Ultimate Credit Card
Best Suited for Travel
Joining Fee Rs. 5,000
Annual Fee Rs. 5,000
Minimum Income Requirement Communicated at the time of sourcing
Welcome Benefit
 6,000 reward points worth Rs. 6,000
Best Feature 5% cashback on duty-free spends; low foreign currency markup fee of 2%
Paisabazaar’s Rating ★★★ (3.5/5)

Note: This card is not available on Paisabazaar.com. Content on this page is for information purpose only. To express interest in this card, please visit the Standard Chartered Bank website.

On this page:
Standard Chartered Ultimate Credit Card: Features & Benefits
Standard Chartered Ultimate Credit Card: Fees & Charges
Standard Chartered Ultimate Credit Card: Eligibility & Documentation
Should you get Standard Chartered Ultimate Credit Card
Cards Similar to Standard Chartered Ultimate Credit Card
FAQs

Standard Chartered Ultimate Credit Card: Features & Benefits

Welcome Benefits: On payment of joining fee for this card, you earn 6,000 complimentary reward points* worth Rs. 6,000. Note that the reward points are credited within 60 days of receiving of joining fee payment by the bank.

Reward Points: This credit card offers 5 reward points on every Rs. 150 spent. Note that 1 reward point = Re 1. Thus you can get the maximum benefit with this feature.

Travel Benefits: You can avail the following travel benefits with this card:

  • Low foreign currency markup of 2%* on overseas spends
  • 5% cashback* on duty free spends
  • Access to over 1000 airport lounges across the world

Lounge Access: Cardholders get the following lounge access benefits:

  • Complimentary Priority Pass membership worth $99
  • 1 free lounge visit* per month on spending Rs. 20,000 in the previous billing cycle
  • Complimentary domestic airport lounge access* under Visa Lounge Program

Golf Benefits: Standard Chartered Ultimate card offers access to premier golf courses* in India. You can enjoy 1 complimentary golf game per month. Click here to check the list of golf courses accessible under this benefit.

Insurance: Air travel accident coverage of up to Rs. 1 Crore* and medical insurance worth $25k

*Terms and conditions apply

Standard Chartered Ultimate Credit Card: Fees & Charges

Fee/Charge Amount/Rate
Annual Fee Rs. 5,000
Renewal Fee (second year onwards) Rs. 5,000
Finance Charges 3.75% per month| 45.00% per annum
Late Payment Charges For Statement Balance:

  • Up to Rs. 100 – Nil
  • Rs. 101 to Rs. 500 – Rs. 100
  • Rs. 501 to Rs. 5,000 – Rs. 500
  • Rs. 5,001 to Rs. 15,000 – Rs. 700
  • Rs. 15,001 to Rs. 25,000 – Rs. 800
  • Above Rs. 25,000 – Rs. 1,200

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

Standard Chartered Ultimate Credit Card: Eligibility & Documentation

Criteria Details
Age 21 to 65 years
Occupation Salaried or Self-employed
Minimum Income
 Communicated at the time of sourcing
Documents Required Click here for the list of acceptable documents
Standard Chartered Bank offers top credit cards across other categories. You can compare best standard chartered credit cards online and find the right card for you.

*T&C Apply

Should you get Standard Chartered Ultimate Credit Card

If you want to own a credit card that gives high cashback and special benefits on multiple categories such as travel and rewards, 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 5% off on duty-free purchases, and a 2% foreign transaction fee—one of the lowest in India. The card also offers golf benefits across premium golf courses in India. 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 Card Annual Fee Key Feature
SBI Card PRIME Rs. 2,999 Complimentary Memberships (Trident, Vistara, etc.) and Lounge Access
SBI Card ELITE Rs. 4,999 Free Memberships (Club Vistara, Priority Pass, etc.)
HDFC Bank Infinia Credit Card Rs. 10,000 Unlimited free golf games at select courses worldwide
ICICI Bank Emeralde Credit Card Rs. 12,000 Unlimited Lounge Access, No over limit, cash withdrawal or late payment charges

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FAQs

Q. Can I transfer my outstanding balance on any other bank’s credit card with ultimate credit card?
A. 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. You can transfer card balance up to Rs. 5 lakh to Standard Chartered Ultimate Credit Card.

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

Q. Will I be charged if I use my card overseas?
A. Standard Chartered Ultimate credit card charges a low foreign transaction fee of 2%.

Q. What are the additional benefits on SCB Ultimate credit card?
A. The additional benefits offered on Standard Chartered Ultimate credit card include digital payment solutions, online banking, and conversion of transactions above Rs. 5,000 to EMI. Apart from that, the card also offers dial-a-loan facility for a loan up to Rs. 5 Lakh for tenures ranging between 12 to 60 months.

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