Welcome Benefits: User gets 6000 Reward Points worth INR 6000 on payment of joining fee with Ultimate Credit Card.
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Standard Chartered Ultimate Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefits: User gets 6000 Reward Points worth INR 6000 on payment of joining fee with Ultimate Credit Card.
Milestone Benefits
None.
Cashback Rate
Effective cashback rate: 3.33%.
Customers can earn 5 reward points per INR 150 spent on all categories except fuel and utility bill payment.
5% cashback on duty free shops.
Movie Benefits
Effective cashback rate: 3.33%.
Dining Benefits
Effective cashback rate: 3.33%.
Other Benefits
Complimentary access to premier golf courses in the country. Reduced foreign currency markup fee of 2% only.
Lounge Access
4 free accesses per calendar quarter on domestic Lounges in India.
1 free access per month at international lounges outside India (with Priority Pass) subject to spends of INR 20,000 on your credit card in the previous month.
Rewards & Benefits
Welcome Benefits
Welcome Benefits: User gets 6000 Reward Points worth INR 6000 on payment of joining fee with Ultimate Credit Card.
Milestone Benefits
None.
Cashback Rate
Effective cashback rate: 3.33%.
Customers can earn 5 reward points per INR 150 spent on all categories except fuel and utility bill payment.
5% cashback on duty free shops.
Movie Benefits
Effective cashback rate: 3.33%.
Dining Benefits
Effective cashback rate: 3.33%.
Other Benefits
Complimentary access to premier golf courses in the country. Reduced foreign currency markup fee of 2% only.
Lounge Access
4 free accesses per calendar quarter on domestic Lounges in India.
1 free access per month at international lounges outside India (with Priority Pass) subject to spends of INR 20,000 on your credit card in the previous month.
Fees & Charges
Joining Fee
INR 5000 + GST.
Annual Fee
N.A.(Not Applicable)
Cash Advance Fee
3% of the transacted amount, subject to a minimum fee of Rs. 300.
Interest rate
Interest Rate: 3.75% every month or 45% annually.
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
International Forex Mark-up fees: 2%.
Other Fees
Cash Advance Charges: 3% of the transacted amount, subject to a minimum fee of Rs. 300. | Reward Redemption Fees: INR 99.
Fees & Charges
Joining Fee
INR 5000 + GST.
Annual Fee
N.A.(Not Applicable)
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.75% every month or 45% annually.
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
International Forex Mark-up fees: 2%.
Other Fees
Cash Advance Charges: 3% of the transacted amount, subject to a minimum fee of Rs. 300. | Reward Redemption Fees: INR 99.
Special Features
Foreign Currency Mark-up: 2% Foreign currency Mark-up fees (3.5% charged at the time of transaction and 1.5% cashback within 60 days).
Eligibility Criteria
Age: Applicant’s age should be between 21 and 65.
Monthly Income: Applicant should have a stable monthly income.
Other Requirements: Applicant should belong to credit cards sourcing cities/locations of the Bank.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Visit the Standard Chartered credit card webpage [Standard Chartered Credit Cards].
Select the "Ultimate Credit Card" or find it through their comparison tool.
You'll likely find an "Apply Now" option on the card's webpage.
The application process should involve filling out a form with your personal details, income information, and employment details.
Standard Chartered offers Video KYC (verification) which allows you to complete the process virtually from your home.
Contact Details
011-66011500 / 011-39401500
Account Opening and Procedure
The card offers a low cashback rate of 3.33%. It offers limited value add benefits. Overall it is suited only for those individuals who undertake frequent international air travel.
The card offers a low cashback rate of 3.33%. It offers limited value add benefits. Overall it is suited only for those individuals who undertake frequent international air travel.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai