The SCB Ultimate Credit Card is a premium card ideal for lifestyle and travel enthusiasts. The Standard Chartered Ultimate offers excellent rewards, including accelerated points on dining, travel, and online spends, making it a top choice for frequent spenders. Cardholders enjoy exclusive travel benefits, lounge access, and comprehensive insurance protections. With attractive welcome points and milestone rewards, the Standard Chartered Ultimate Credit Card turns everyday expenses into valuable perks. The annual fee is justified by the high rewards rate and premium privileges. Whether you’re booking flights, dining out, or shopping online, this card delivers consistent value. Overall, the Standard Chartered Ultimate ranks high in the premium segment for those who want luxury benefits and robust rewards a solid pick for discerning users looking for a rewarding credit experience.
Standard Chartered Ultimate Credit Card Fees 2026
Fee Type | Standard Chartered Ultimate Credit Card Charges (India) |
Joining/Enrollment Fee | ₹5,000 + GST |
Annual/Renewal Fee | ₹5,000 + GST |
Finance/Interest Charges | 3.75% per month (~45% p.a.) on outstanding balance |
Cash Advance Charges | 3% of amount or ₹300 (whichever is higher) |
Late Payment Charges | ₹0–₹1,200 depending on outstanding balance |
Over-Limit Fee | 2.5% of over-limit amount (min ₹500) |
Foreign Currency Mark-up Fee | ~2% (reduced rate) |
Add-On Card Fee | Nil (typically no charge) |
Paper Statement Fee | ₹99 per month (if opted) |
Reward Redemption Fee | ~₹99 + GST (may apply on point redemption) |
Credit Limit | Standard Chartered Ultimate Credit Card limit depends on income, credit score & profile (assigned by bank) |
This table gives current Standard Chartered Ultimate Credit Card Fees and charges you should know if evaluating the Standard Chartered Ultimate Credit Card India offering in your Standard Chartered Ultimate Credit Card review.
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Standard Chartered Ultimate Credit Card Rewards 2026
The ultimate CC continues to offer one of the strongest reward structures in the premium credit card segment in India. With the 360° Rewards Standard Chartered India programme, you earn 5 reward points for every ₹150 spent on retail transactions (with select categories earning 3 points), and each point = ₹1 when you redeem Standard Chartered credit card points through the bank’s rewards portal. The card also awards a 6,000 welcome point bonus on activation making it a compelling pick in many Standard Chartered Ultimate Credit Card review posts. These standard chartered reward points can be used for vouchers and lifestyle options, elevating your overall rewards experience compared with basic reward schemes like Standard Chartered Platinum Credit Card reward points redemption.
- 5 reward points per ₹150 spent on most retail purchases.
- 3 reward points per ₹150 on select categories (utilities, supermarkets, insurance, property management, schools & government payments).
- Welcome bonus: 6,000 reward points on card activation.
- 1 reward point = ₹1 in redemption value in the Standard Chartered 360° rewards portal.
- Points can be redeemed for shopping vouchers, lifestyle brands, and charity options.
- No reward points on fuel spends, but you get a 1% fuel surcharge waiver.
- Easy online redemption via mobile or net banking for Standard Chartered Ultimate Credit Card rewards redemption.
These updated data points help you evaluate the Standard Chartered reward points benefits and how valuable the ultimate CC can be in real-world usage.
Standard Chartered Ultimate Credit Card Forex Markup Fee 2026
The SC Ultimate Credit Card is often highlighted for its low international usage cost, making it a strong option for frequent travelers and overseas spenders. As per the latest Standard Chartered Ultimate Credit Card review updates for 2026, the card charges a low forex markup fee of 2% + GST, which is lower than many premium cards in India. This gives the SCB Ultimate Credit Card a clear edge for foreign transactions, international shopping, and travel bookings, reinforcing the premium positioning of the Standard Chartered Ultimate card.
- Forex markup fee: 2% + applicable GST on international transactions
- Applies to international online spends, overseas POS transactions, and foreign ATM usage
- One of the lowest forex charges among premium Indian credit cards
- Exchange rate conversion is done as per Visa/Mastercard rates, plus markup
- Ideal for frequent travelers and cross-border online shoppers
- A key positive factor in any Standard Chartered Ultimate credit card review when comparing travel-focused cards
Overall, the low forex cost makes the Standard Chartered Ultimate a smart choice for users who regularly spend in foreign currency and want predictable international transaction charges.
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Standard Chartered Ultimate Credit Card Airport Lounge Access 2026
The Standard Chartered Ultimate Credit Card lounge access is one of the notable perks under its travel benefits, making this a frequent highlight in every Standard Chartered Ultimate credit card review for 2026. Cardholders get access to over 1,000 airport lounges worldwide, which adds comfort and convenience to both domestic and international journeys. The lounge access programme is structured with complimentary visits tied to usage patterns rewarding frequent spenders who prefer premium travel experiences. This benefit forms a core part of the Standard Chartered Ultimate Credit Card benefits India suite, alongside rewards, golf perks, and travel insurance. If you’re considering where to Standard Chartered Ultimate Credit Card apply, this lounge access element adds valuable real-world utility, especially for regular flyers.
- Domestic lounge access: 4 complimentary visits per calendar quarter at domestic lounges in India.
- International lounge access: 1 complimentary visit per month through Priority Pass, subject to spend of ₹20,000 in the previous month.
- Access is available at 1,000+ airport lounges globally with the Priority Pass membership.
- Lounge access is typically complimentary only for the primary cardholder and often requires the boarding pass and valid card at entry.
- This access is part of the broader Standard Chartered Ultimate Credit Card benefits India portfolio, enhancing travel comfort for users.
Overall, the lounge access benefit makes the SCB Ultimate Credit Card a strong choice for frequent flyers and travel enthusiasts as part of its premium offering in India.
Standard Chartered Ultimate Credit Card Golf Benefit 2026
One of the distinguished lifestyle features in the standard chartered ultimate suite is its golf benefit, which frequently earns praise in a standard chartered ultimate credit card review for 2026. The card gives you access to premier golf privileges, making it a good fit for golf enthusiasts along with travel and premium lifestyle perks. These benefits are part of the broader Standard Chartered Ultimate Credit Card benefits India package, adding meaningful value for lifestyle-focused users considering where to Standard Chartered Ultimate Credit Card apply.
- Complimentary Golf Games: You get 1 complimentary golf game per month at select premier golf courses in India.
- Golf Coaching Session: Along with the game, the card also offers 1 free golf coaching session per month at participating clubs.
- Worldwide Access: Cardholders enjoy access to select golf courses in India and, depending on partner arrangements, additional courses abroad as part of the Mastercard World golf benefit.
- Lifestyle Enhancer: This perk complements the travel, rewards, and lounge access elements of the scb ultimate credit card review ecosystem, boosting overall lifestyle appeal.
Overall, the golf benefit enhances the lifestyle quotient of the Standard Chartered Ultimate Credit Card India offering for users who value premium experiences alongside travel and rewards benefits.
Standard Chartered Ultimate Credit Card Eligibility 2026
Understanding who can get the Standard Chartered Ultimate Credit Card is key before you Standard Chartered Ultimate Credit Card apply or write a standard chartered ultimate credit card review. While specific criteria can change, the Standard Chartered Ultimate Credit Card India typically requires applicants to meet certain basic eligibility benchmarks set by Standard Chartered combining age, income stability, and creditworthiness to ensure you qualify for this premium card along with access to standard chartered rewards and other benefits.
- Age: Primary applicants should be between 21 and 65 years. Add-on cardholders usually start from 18 years.
- Income: A stable and sufficient income is essential (for premium cards like Ultimate, banks often look for strong annual income, e.g., ₹24 Lakh p.a. or more).
- Credit Profile: A healthy credit history and good credit score improve approval chances (usually around 750+).
- Residency: Applicants must be Indian residents and typically from cities where the bank sources credit cards.
- Employment: Salaried or self-employed with documented income proof (salary slips, ITRs) and standard KYC documents.
Meeting these criteria strengthens your application when you Standard Chartered Ultimate Credit Card apply, and sets expectations for approval in this premium segment highlighted in many standard chartered ultimate credit card review discussions.
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Standard Chartered Ultimate Credit Card | How To Apply?
If you’re planning to Standard Chartered Ultimate Credit Card apply or researching for a standard chartered ultimate credit card review, here’s how the process works for the Standard Chartered Ultimate Credit Card India in 2026. The application can be completed online directly through Standard Chartered or via authorized partners, and you’ll need to meet the bank’s eligibility and documentation requirements before approval.
- Visit the Official Website: Go to the Standard Chartered Bank India credit cards page and choose the Ultimate card option.
- Start the Application: Click on the ‘Apply Online’ button for the Standard Chartered Ultimate card.
- Enter Basic Details: Provide your mobile number and verify it with an OTP to begin your application.
- Fill Personal & Financial Info: Enter required personal, contact, and income details as prompted.
- Submit Documents: Upload identity proof (PAN, Aadhaar) and address proof; additional financial documents may be needed to support income.
- Verification & Approval: The bank conducts credit and policy checks. If approved, the card is typically issued within days.
- Track Status: You can track your application status online using your reference details.
Tip: Some applicants enhance approval chances by holding an existing SC credit card with a strong limit before applying for the Ultimate, as noted in Standard Chartered Ultimate credit card review insights.
Applying online is simple and fits well with the Standard Chartered Ultimate Credit Card benefits India profile — delivering premium travel, lounge access, golf and rewards features once approved.
Standard Chartered Ultimate Credit Card vs HDFC Infinia 2026
Features | Standard Chartered Ultimate Credit Card | HDFC Infinia Credit Card |
Annual Fee | ~₹5,000 + GST (lower fee) | ~₹12,500 + GST (premium fee) |
Welcome Benefits | ~6,000 reward points on joining | ~12,500 reward points + Club Marriott membership |
Reward Rate | ~3.3% reward value (5 points/₹150; 1 point = ₹1) | ~3.3% base + up to 10× on SmartBuy spends |
Reward Redemption | 1:1 ratio via SC 360° portal | 1:1 for flights/hotels & partners via SmartBuy |
Forex Markup Fee | ~2% + GST (low) | ~2% + GST (low) |
Airport Lounge Access | Domestic + Priority Pass global access (limited visits) | Unlimited domestic & international lounges |
Golf Benefits | ~1 free game/month + lessons | Unlimited golf games worldwide |
Concierge | 24×7 concierge support | Dedicated global concierge services |
Eligibility | Standard premium credit criteria (stable income/CIBIL) | Invite-only or high income/CIBIL profile |
Best For | Balanced premium rewards & travel perks (lower fee) | Ultra premium all-round benefits & luxury travel perks |
Is the Standard Chartered Ultimate Credit Card worth it? (Standard Chartered Ultimate credit card review)
Yes, the card is considered good value for premium users due to strong rewards, low forex markup, lounge access, and golf benefits.
Who should apply for the Standard Chartered Ultimate Credit Card India?
The card is ideal for high-income professionals in India who want premium travel, lifestyle perks, and flexible reward redemptions.
What are the key Standard Chartered Ultimate Credit Card benefits India offers?
Major benefits include reward points, airport lounge access, golf privileges, low forex charges, and premium concierge services.
How can I Standard Chartered Ultimate Credit Card apply online?
You can apply online through Standard Chartered’s official website by submitting KYC, income details, and completing verification.
How is the Standard Chartered Ultimate Credit Card limit decided?
The credit limit is based on your income, credit score, repayment history, and overall financial profile.
How does Standard Chartered Ultimate Credit Card rewards redemption work?
Reward points can be redeemed via the 360° Rewards portal for vouchers, products, or lifestyle benefits, with 1 point = ₹1 value.
What is included in Standard Chartered Ultimate credit card lounge access?
Cardholders get complimentary domestic lounge visits and international lounge access via Priority Pass, subject to usage conditions.
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