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The Standard Chartered Ultimate Credit Card is an ultra-premium card designed with a wide array of travel benefits exclusively for fulfilling the lifestyle needs of medium and high-class Standard Chartered customers.

Launched in September 2017 and using VISA Infinite gateway, the card comes with numerous benefits like access to airport lounges, shopping discounts, cashback offers and much more. Let us explore the various features and benefits of Standard Chartered Ultimate Credit Card.

Features & Benefits

  • No joining or renewal fee for add-on cards
  • Earn great rewards more through Standard Chartered 360° rewards program
  • Earn 5 reward points on every Rs.150 spent through the credit card
  • Cashback offer of 5% on duty-free spends
  • Access to 1,000+ airport lounges worldwide
  • Complimentary travel and air accident insurance coverage 
  • Access to 20 premier golf courses in India with complimentary games twice a month
  • 24/7 Concierge Helpline available
  • Up to 25% discount on Dining in 250 restaurants across India. Booking can be done online or through the Concierge Helpline via
  • Supplementary credit cards for family members
  • Contactless credit cards available
  • Secure online transactions via 3D OTP verification
  • Instant digital payment solutions available
  • EMI facility is available for payments above Rs. 5000 via ‘Kuch Bhi on EMI’ feature
  • Loans on credit cards are available up to Rs. Rs.5 lakh for a period between 12 months - 60 months
  • Benefits of online and mobile banking
  • Easy balance transfer on credit card available
  • Debt conversion for up to Rs. 5 lakhs can be converted into easy EMIs
  • Medical Insurance worth Rs. 25,000 offered

Fees and Charges

ParticularsStandard Chartered Ultimate Credit Card

Joining/Renewal Fee

Rs. 5000

Joining/Renewal Fee for Add-on Card

NIL

Late Fee

Rs. 100

Late Payment Charges

  • <= Rs.100 - Nil
  • Rs.101 to Rs.500 - Rs.100
  • Rs.501 to Rs.5,000 – Rs.500
  • Rs.5,001 to Rs.10,000 – Rs.700
  • Rs.10,001 to Rs.25,000 – Rs.800
  • > Rs.25,000 – Rs.1,200

Overlimit Charges

2.5% of the overall over-limit amount, subject to a minimum amount of Rs.500

Reward Rate

3.3%

Fee for Reward Redemption

Rs. 100

Cash Advance Fee

3% of withdrawal amount, with the minimum amount being Rs. 300

Foreign Transaction Fee

3.5% of the total transaction value

Cash Repayment Fee

Rs. 299

Cheque Bounce Fee

Rs. 500

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