Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    Standard Chartered Ultimate Credit Card

    The Standard Chartered Ultimate Credit Card is exclusively designed to fulfill the lifestyle needs of both medium and high-class users. It was launched in September 2017 and works on VISA Infinite gateway. This means that this credit card is ultra-premium and comes with outstanding benefits.

    Let’s see in detail what this credit card has to offer to its customers.

    Complete Details Of The Standard Chartered Ultimate Credit Card

    Since the card offers the highest rewards in the Indian credit card business, it is targeted at affluent customers. Though the nominal fee is Rs.5,000, the benefits that it offers are worth it. Its rich features have attracted thousands of customers in India.

    Features & Benefits Of The Standard Chartered Ultimate Credit Card

    • It offers a cashback of 5% on duty-free spends.
    • It gives access to 1,000+ airport lounges in the world.
    • It offers the Priority Pass membership complimentary.
    • There is no joining or renewal fee for add-on cards.
    • It offers a complimentary travel insurance coverage of Rs.1 crore on air accidents.
    • It offers access to 150 premier golf courses worldwide and 20 within India.
    • It offers 24×7 concierge service assistance.
    • It offers a discount of 25% at 250 high-class restaurants in India via online booking.
    • It offers a discount rate of 25% on Fast Track Immigration service at airports for more than 450 destinations across the world.
    • You can save up to 35% on Avis international car rental service and 25% on Hertz international car rental service.

    Rewards Of The Standard Chartered Ultimate Credit Card

    • You can earn 5 reward points for every Rs.150 that you spend with the credit card.
    • The accrued reward points can be redeemed for Amazon gift card, hotel bookings, air miles, and gift vouchers on the official SBI website.
    • You can enjoy Rs.10,000 worth cashback on MakeMyTrip.
    • You get a cashback of 20% on Uber spends, given that there is a minimum spend of Rs.15,000.
    • There is a renewal benefit of up to 5,000 rewards.

    Fees & Charges Of The Standard Chartered Ultimate Credit Card

    Type of Fee Charges
    Joining Fee Rs.5,000
    Renewal Fee Rs.5,000
    Joining fee for add-on card Nil
    Annual fee for add-on card Nil
    Late payment charges If your bill is less than/equal to Rs.500, it has a penalty of Rs.100. For bills ranging from Rs.501 to Rs.2,000, the penalty is Rs.350. For bills ranging from Rs.2,001 to Rs.4,000, the penalty is Rs.500. For bills ranging from Rs.4,001 to Rs.20,000, the penalty is Rs.700. For bills exceeding Rs.20,000, the penalty is Rs.800
    Over limit fee 2.5% of the total overlimit amount, which is subject to a minimum of Rs.500
    Reward redemption fee Rs.99
    Cash advance fee 3% of the withdrawal amount, which is subject to a minimum of Rs 300
    Foreign Transaction Fee 3.5% of the total transaction amount
    Interest rate 3.1% for each month (37.2% per year)
    Reward rate 3.3%

    Eligibility Criteria Of The Standard Chartered Ultimate Credit Card

    • The applicant’s minimum age should be 21.
    • The applicant’s maximum age should be 65.
    • The applicant should belong to any city where the bank is located.

    Documentation Of The Standard Chartered Ultimate Credit Card

    • A copy of the ID proof (PAN/Passport/Voter ID/AADHAR card/Driving license).
    • A copy of the address proof (Electricity bill/ Passport/Latest bank statements/Recent credit card statements/Rental agreement/Phone bill/AADHAR card/Driving license).
    • One passport size photograph.
    • A copy of the pay slips (recent) – for a salaried employee.
    • A copy of the recent IT returns and a copy of business credit card statement as a proof of income – for a self-employed.

    How To Apply Standard Chartered Ultimate Credit Card Online?

    • Step 1: Go to the official website of Standard Chartered Bank.
    • Step 2: Click on the menu named Our Products.
    • Step 3: Select Credit Cards > Ultimate Card.
    • Step 4: A web page opens, which explains the features and benefits of the Ultimate Card.
    • Step 5: On the top, you will see a button named ‘Apply Now’. Click on it.
    • Step 6: It redirects to a new page. On the right pane, you will see a form to apply online.
    • Step 7: Enter your DOB, name of the city you reside, income source, email id, contact number, etc.
    • Step 8: Click on the checkbox that saysI authorize Standard Chartered Bank to contact me.”
    • Step 9: Click on the ‘Proceed’ button.
    • Step 10: If all the entered details meet the bank’s requirements, your application will be approved instantly.

    Important FAQS On The SC Ultimate Credit Card

    Before applying for the Standard Chartered Ultimate Credit Card, here are a few frequently asked questions that you might want to read through:

    1. What are the advantages of this credit card?

    • There are joining and renewal benefits.
    • There are dining benefits.
    • There is complimentary access to airport lounges and golf courses.
    • There is a complimentary Priority Pass Membership.

    2. How to maximize the benefits?

    • Start using the card within ninety days from the date it is issued. You will earn Rs.10,000 worth cashback on MakeMyTrip.
    • Maintain Rs.20,000 spends every month.
    • Utilize the card for making foreign transactions.
    • Use this card for paying dining bills.

    3. Is there any welcome gift?

    Yes. You will receive a cashback of up to Rs 10,000. However, this is on the initial transaction that you do with MakeMyTrip.

    4. What is the reward rate?

    The reward rate is 3.3%.

    5. When is this card useful?

    The card is an excellent option if you are looking for the following:

    • Bonus points (upon joining) with MakeMyTrip
    • Renewal bonus points
    • Discounts on dining
    • Complimentary access to golf courses
    • Complimentary airport lounge access
    • Complimentary memberships
    • Concierge service

    Standard Chartered Ultimate Credit Card Reviews

    • Bank Bazaar Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Mobile application and website of bank bazaar is great easy to use . Overall it has been great experience with bank bazaar . The customer service of bank bazaar is great they are explaining about the product very well . If there is any query they will resolve quickly .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI BANK . They offered me a very low limit . It has got Cash back offers . Customer support is also good.I am holding this card for past few months and never had any issues with their services. Thee is no joining fee here with this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • HDFC Bank Credit Card
      "Average performance credit card "
      0.5 4.0/5 "Great!"
      In the last two year , I am satisfied with the HDFC credit card . Obtaining various offers and discounts in on-line shopping . Offers varies from time to time . Downloading the statement is easy in HDFC app . A normal interest rates and satisfied credit limit . HDFC never do any Hidden charges .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Annual fees is very higher and No offers "
      0.5 1.0/5 "Really Bad"
      SBI credit cards always offers a very high Interest rate . For the past 1 years , I am not getting any offers and discount in the on-line . I am somewhat okay with the credit limit . Annual fees is around 700 /- . Since , I am not getting any offers , i thought of canceling this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • Axis Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      AXIS BANK credit card i am using it since from last few years and i am facing with no issues with this card added on that the card has satisfactory credit limit. I am getting good offers with this card. The billing option is easy with no hassle process and it is comfortable to use.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 20, 2019
    • HDFC Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card of HDFC BANK which is a user friendly card to access also the card is good and hassle free to access. The credit limit with this card is good and it is satisfactory with this credit card. The offers also good with this card which is sufficient.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 20, 2019
    • RBL Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am not facing any issues with the credit card where i am holding it with the RATNAKAR BANK they have offered with the satisfactory credit limit with this card added on that there is are sufficient offers with this credit card which is good with this card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 20, 2019
    • IndusInd Bank Credit Card
      "Interest rate is need to be low & not getting any offers"
      0.5 2.0/5 "Expected more"
      I find no problem with Indusind credit card process in on-line . i got the card within 7-10 days of time and docs were submitted in on-line & off-line for verification .It is a life time free card . I am Not getting the regular offers and Interest is rate is Quite high .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • RBL Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this credit card for the last six months and the services which they had been providing so far has been pretty good. The credit limit with the card has been good and there has been an annual charges of 499 with this card as well. I had been using the card for all purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • Bank Bazaar Credit Card
      "Hassle free"
      0.5 5.0/5 "Blown Away!"
      It is a good experience with Bankbazaar.com, as they were on time to contact me and inform me the details. They also followed up in the process. The website is good and it is easy to use and understand. It is informative. In all there are no hassles.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • American Express Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      The customer service is very good at Amex Bank. The credit limit is not satisfactory, it is pretty low. I got a limit of 50K only. There are annual charges for the credit card which gets waived off if I use the card to a certain limit. The best is the reward points.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I had taken this credit card almost ten years back and i had closed it since because of the higher interest rate with them. The services which they had provided has been fine and the credit limit with the card has also been good. The annual charges with this card has been reasonable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good shopping card "
      0.5 3.0/5 "Satisfactory"
      i am using Sbi credit card more than 8 months. The annual charges for this card is Rs. 499 if i spend some amount annual charges will get waived off.This card comes under a life time free credit card. Credit limit they given only Rs. 35000 i am not happy with the credit limit. Customer services and responsiveness is okay.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • HDFC Bank Credit Card
      "Need to increase credit limit"
      0.5 3.0/5 "Satisfactory"
      i am using Hdfc Bank credit card more than 1 year. This card comes under a life time free credit card. Credit limit they given only Rs. 35000 i am not happy with the credit limit. Customer services and responsiveness is okay. I am not getting any special offer from Hdfc card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I am using this credit card for the last couple of months and the services of them has been pretty good. But the credit limit with the card was only around 18,000 which is very less. They had made a charge of 5000 for the over limit spend which is not that good. I just used the card for some purchases.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ICICI BANK the card has the satisfactory credit limit also the card is life time free card also it is user friendly with no issues with this credit card. They provide with the sufficient offers which is very good than others.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • American Express Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have been holding the credit card with the AMERICAN EXPRESS BANKING CORPORATION the credit limit with this card is very good as it is user friendly also it is user friendly to access. There are good offers with this card which is sufficient with this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • Bank Bazaar Credit Card
      "CONVENIENT PORTAL TO USE"
      0.5 4.0/5 "Great!"
      It is the first time experience with the Bankbazaar.com as i have a very good experience with this portal also i am using it through both the website as well as the mobile application it is easy to use also it is convenient to access also it is with hassle free to use.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • IndusInd Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I have been applied with the INDUSIND BANK credit card the documentation process was simple and also it is easy to access. I got the credit card with the 20days. The credit limit with this card is good and also it is free credit card. I have not tried with the offers with this bank credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • IndusInd Bank Credit Card
      "I am happy with the Credit card "
      0.5 5.0/5 "Blown Away!"
      Indusind bank given me a life time free credit card . I applied in on-line process , I find it easy procedure to follow . Verifications of documents in on-line and No Annual fees has been charged . Not getting enough offers for the newly purchased customers .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
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