Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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 cards, 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

    Charge Amount
    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.

    Standard Chartered Ultimate Credit Card FAQ's

    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
      

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    Credit Card Reviews

    • RBL Bank Credit Card
      "Easy to convert for EMI "
      0.5 4.0/5 "Great!"
      I got RBL card offer from BAJAJ Finance. I have been using this card past 10 months which is a life time free card. The credit limit is sufficient of 55K. EMI conversion is avail and I can convert via mobile app whenever required with nominal charge. I use this card for general purpose. Based on usage I get points but not yet redeem it.
      Was this review helpful? 56
      , chennai
      Reviewed on Mar 21, 2020
    • SBI Cards
      SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      SBI credit card have offers and reward points but I have not redeem them yet, this is a domestic card, the credit limit is of 50000 which I am very much satisfied as per my need. I got my statement on time. I used this card for personal purposes.The card is very user friendly.
      Was this review helpful? 60
      , hyderabad
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Ok service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card for more than three months, there are some reward points and offers in the card. I used this card for online shopping, fuel surcharge and groceries.The credit limit of the card is sufficient and I like the most about the card is that it is a life time free card and very good to use.
      Was this review helpful? 53
      , hyderabad
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Ok service"
      0.5 5.0/5 "Blown Away!"
      The bank agent suggest me to take credit card from INDUSIND and I have taken it because it doesn't have any annual fee. The offer and reward points are available in the card are good. I am satisfied with the limit of the card. I used the card for general purposes. But it will be nice, if the offers and reward points will be more.
      Was this review helpful? 41
      , jaipur
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I am using INDUSIND credit card for 3 months. The card have no offers available and also there is no rewards. The only benefit is that its a life time free card and the credit limit is only for 75000 I am not that satisfied as i expected to get around 1.5 lakh. Apart from the limit over all experience is good.
      Was this review helpful? 40
      , chennai
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have got INDUSIND credit card few months ago and I have used it for two months now ,the credit limit of the card is Rs.70000 which is a life time free card. The bank have informed me every details about the reward points and offers but I have not got any time check it. I am satisfied with their card service.
      Was this review helpful? 41
      , hyderabad
      Reviewed on Mar 21, 2020
    • ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Am having ICICI credit card for two years, I feel good and have not face any issues. The best part about the card is its a life time free card. I used to get my card statement on time. I used this card for shopping, groceries and for many other personal purposes.I am using the bank mobile app which function smooth and simple.
      Was this review helpful? 51
      , faridabad
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have used SBI credit card for 2-3 months, but I have not got any time to check about the offers available in the card. The limit of the card is 38000 and I am satisfied because its a life time free card. I used to get my card statement on time and the net banking is also working very well.
      Was this review helpful? 58
      , faridabad
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service "
      0.5 4.0/5 "Great!"
      Since it is a life time free card offer from INDUSIND so I chosen it and applied through online. I received a call on time and they have done the verification process. Hence I received the card by 7 days, the credit limit is okay for me. Its easy to use for all purposes.
      Was this review helpful? 38
      , chennai
      Reviewed on Mar 21, 2020
    • Citibank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      CITI has provided good offers and benefits on 2 months before. So I chosen this card and applied through online. It is annual fee chargeable of 500 rupees bu there is waiver off option if I spend 30K within a year. The credit limit is 65K. There is EMI conversion avail for this card.
      Was this review helpful? 37
      , coimbatore
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "very good"
      0.5 5.0/5 "Blown Away!"
      I have used credit card from HDFC bank for 1 year which is very good and also very comfortable, its a life time free card and lots of offers are available in the card. This card was suggested to me by my colleague. Mobile banking also functions very smooth.
      Was this review helpful? 64
      , bangalore
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Average service"
      0.5 4.0/5 "Great!"
      INDUSIND bank credit card have an credit limit of of Rs.75000, there is no offers available in the card and it also have a charges of 3000 along with GST. I hardly receive any remainder messages for my bill payment due to that some time I could not pay my bill on time. I would advise them send my bill on time before the due date.
      Was this review helpful? 40
      , bangalore
      Reviewed on Mar 21, 2020
    • ICICI Bank Credit Card
      "Need to increase the credit limit "
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI card for more than one year. They have provided an annual fee chargeable card and waiver off option is applicable. The credit limit is okay of 50K. Since I need to do purchase about 45K on some of the month so this limit is not sufficient. I swipe the card for travel, shopping and fuel purposes. I have not opted for EMI conversion.
      Was this review helpful? 41
      , kolkata
      Reviewed on Mar 21, 2020
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using AXIS bank credit card for 3 years, Its a life time free card so I applied the card through bank. The agent have informed me everything about the card. I used to get offers of 10% on petrol bunk and shopping.The limit of the card is Rs.45000 and I used to pay my bill directly through bank.I am also using their net banking which is very good.
      Was this review helpful? 54
      , kolkata
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I got INDUSIND credit card from few months ago.The card have an EMI conversion. I used the card for multi purposes like shopping, online payment, ticket booking. This is annually chargeable card, I am not satisfied with the credit limit of Rs.75000 as I am expecting more than than 1 lakh.
      Was this review helpful? 43
      , kolkata
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I got a life time free card offer from INDUSIND bank hence applied through online on three months back. I received the call on time and the process was done on smooth. I got the card on exact time frame. The credit limit is sufficient and they provided good offers and benefit as well.I use this card for shopping and travel purpose.
      Was this review helpful? 30
      , kolkata
      Reviewed on Mar 21, 2020
    • RBL Bank Credit Card
      "Average service"
      0.5 1.0/5 "Really Bad"
      RBL credit card is a chargeable card, I always have to go to Bajaj Finance to pay my credit card bill. I am not satisfied with the customer service which has to be improved. I used this card when ever needed for shopping, fuel surcharge and bill payment.The limit of the card is fine.
      Was this review helpful? 66
      , ranchi
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card is very convenience to use, I have been using the card for 4.5 months for Shopping, groceries, fuel surcharge and electricity bill payment also. I pay my credit card bill through ATM. I always get my bill on time, this card was suggested to me by the bank agent.
      Was this review helpful? 52
      , ranchi
      Reviewed on Mar 21, 2020
    • RBL Bank Credit Card
      "Okay service "
      0.5 3.0/5 "Satisfactory"
      I used RBL card for twice only. I get message or call for EMI conversion from banker. It is a life time free card. Once all the process done I received the card by 15 days. I am holding this card past 6 months. The credit limit is sufficient of 30K. Once I tried to convert for EMI of 3 months it was done on time without any problem. It is Bajaj card.
      Was this review helpful? 38
      , chennai
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI credit card for the last two months, the credit limit of the card was satisfied it was Rs.9,80,000. The bank agent came and collect my document he have informed me every detail about the card. The card have a charges of Rs.2299 in a year. I used to pay my credit card bill through bank. Am getting my card statement in softcopy but I wish the bank can send me a hard copy statement also.
      Was this review helpful? 70
      , gurgaon
      Reviewed on Mar 21, 2020
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