Standard Chartered Ultimate Credit Card
Standard Chartered Ultimate Credit Card
5 reward points on every ₹150 spent with 1:1 redemption ratio (1 reward point = ₹1)
5% cashback up to ₹1,000 on duty-free spends
6,000 reward points on joining & 5,000 reward points on renewal
Personalized Match by CredHunt • credhunt.com
Premium credit card offering high reward rate on all spends with travel benefits including lounge access, golf privileges, and comprehensive insurance coverage
Joining Fee
₹5000
Annual Fee
₹5000
Rating
5.0/5.0(0 reviews)
Key Features
5 reward points on every ₹150 spent with 1:1 redemption ratio (1 reward point = ₹1)
5% cashback up to ₹1,000 on duty-free spends
6,000 reward points on joining & 5,000 reward points on renewal
Low forex markup fee of 2% (effective August 25, 2024)
Up to 12 lounge access annually via Priority Pass on minimum ₹20,000 monthly spends
1 golf game & 1 coaching session per month at premier domestic golf courses
Up to ₹1 crore air travel accident cover & medical insurance of USD 25,000
Supplementary card available at no additional cost
Rewards Program
Base Rewards
Reward Type
N/A
Base Reward Rate
Not specified
Point Value
1 Point = ₹0.25
Points Expiry
N/A
Bonus Rewards
Welcome Offer
Welcome Benefit (NeuCoins on completing first transaction) worth ₹1,499
Accelerated Rewards
5% Fuel Points on grocery shopping and bill payments (max 100 Fuel Points per month on each category); 5% of spends with IOCL card (max 250 Fuel Points per month for first six months, then 150 per month)
Card Benefits
Travel Benefits
N/A
Cashpoints redeemable against flight and hotel bookings
Dining & Entertainment
10% Zomato discount
Health webinars
Lifestyle & Protection
Premium lounge access
₹5L cover
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | N/A |
| Late Payment Fee | N/A |
| Fuel Surcharge | 1% waiver (₹300/m) |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
₹50k spend/year
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Income proof ₹6L+
Expert Opinion
Great value for train travelers with railway lounge access and higher rewards on IRCTC bookings; annual fee easily recoverable through benefits
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Experience the premium benefits of the Standard Chartered Ultimate Credit Card today.