The Standard Chartered Bank Ultimate Credit Card is a premium card with great cashback and perks for things like travel and rewards. It gives you a 3.3% reward rate, putting it in the same league as other high-end cards like HDFC Infinia. Plus, you get discounts on travel, dining, and lifestyle, along with other awesome benefits. It's definitely a card worth having in your wallet!
Key Highlights of Standard Chartered Ultimate Credit Card |
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| 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 Features | 5% cashback on duty-free spends; low foreign currency markup fee of 2% |
*Terms and conditions apply.
| Table of Contents | ||
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| Features and Benefits | ||
| Fees and Charges | ||
| Eligibility and Documentation | ||
| Should you get this Card? | ||
| Other Similar Credit Cards | ||
| FAQs | ||
Must Read : 10 Best SBI Credit Cards in India
Welcome Benefits: When you pay the joining fee for the Standard Chartered Ultimate credit card, you'll earn 6,000 complimentary reward points* worth Rs. 6,000. It's important to note that these reward points will be credited to your account within 60 days of the bank receiving the joining fee payment.
Reward Points: With this credit card, you get 5 reward points for every Rs. 150 you spend. 1 reward point = Re 1. So, the more you spend, the more benefits you can earn from this feature.
Also read: Best Rewards Credit Cards in India
Travel Benefits: With this card, you can enjoy the following travel benefits:
Lounge Access: Cardholders receive the following lounge access benefits:
Also read: Best Credit Cards Airport Lounge Access
Golf Benefits: The Standard Chartered Ultimate Card provides access to premier golf courses* in India. Cardholders can enjoy 1 complimentary golf game per month. Click here to view the list of golf courses accessible under this benefit.
Insurance: The Standard Chartered Ultimate Card offers air travel accident coverage of up to Rs. 1 Crore* and medical insurance worth $25,000.
*Terms and conditions apply
| 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:
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| 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 |
If you want a credit card with great cashback and benefits, the Standard Chartered Bank Ultimate Credit Card is a standout choice. With a generous 3.3% rewards rate and the ability to redeem points for gift vouchers, it competes well with other premium cards like HDFC Infinia and HDFC Diners Black. Plus, it offers solid travel benefits such as 5% off duty-free purchases and a low 2% foreign transaction fee, one of the best in India. You also get golf perks at premium courses across India. So, if you are a frequent traveler or someone who is interested in higher rewards, this is a good option.
| 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.) |
| ICICI Bank Emeralde Credit Card | Rs. 12,000 | Unlimited Lounge Access, No over limit, cash withdrawal or late payment charges |
| HDFC Bank Infinia Credit Card | Rs. 10,000 | Unlimited free golf games at select courses worldwide |
Yes, with the Standard Chartered Ultimate credit card, you can take advantage of the 'Balance Transfer' feature. This allows you to transfer the outstanding balance from another bank's credit card to your Standard Chartered Ultimate Credit Card. You can transfer balances of up to Rs. 5 lakh to your Standard Chartered Ultimate Credit Card.
Standard Chartered Ultimate credit card charges a low foreign transaction fee of 2%.
Yes, all online transactions made with the Standard Chartered Ultimate credit card are secured through the 3D Secure OTP verification feature.
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