Standard Chartered Ultimate Credit Card Review

The Standard Chartered Ultimate Credit Card is a premium multipurpose credit card. This card is specially designed for traveling, dining, and lifestyle. It is helpful to both middle-class and high-class customers. The card has so many world-class privileges such as welcome gift, reward points, travel benefits, golf benefits, dining privileges, supplementary credit cards, contactless card features, secure online transactions, online banking and, anything on EMI, Dial-a-loan, Balance transfer, balance on EMI, Concierge services, etc.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹2 lakh monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹24 lakh annually.
  • Good CIBIL Score (750 or more). 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹5,000 + GST
  • Annual Fee: ₹5,000 + GST


  • Welcome benefit:

With the payment of the joining fee, you will get 6,000 reward points as a welcome gift. 

Also if you book your travel from MakeMyTrip within the first 90 days of the card issuance, you will get ₹10,000 Cash-Back. 

  • Reward benefit:

With this card, you will get 5 reward points for each ₹150 transactions. 

These reward points are redeemable and you can redeem these reward points through cash (1 reward point equals Rs.1). You can also use the reward points on dining, furnishing, fashion, electronics with the help of the Standard Chartered 360 Rewards Programme.  

  • Travel benefit:

This card charges the lowest foreign currency mark-up fee of 2%, also you can get up to 5% Cash-Back at duty-free stores. 

  • Dining benefit:

If you order food online by using this card you will get a 10% Cash-Back on it. 

  • Golf access:

The Ultimate Credit Card offers you access to 20 golf courses in India and 150 worldwide. You will get 1 complimentary golf game and 1 golf lesson per month.

  • Add on Card:

You can share the benefits of your card with your loved ones, just add them with your card as add-on members and they can also enjoy the benefits of having a credit card. 

  • Contactless facility:

This card comes with a contactless payment facility this feature allows you to pay with just a wave at any secure reader machine. It gives you protection against skimming since you don’t need to hand over your card at the counter.  

  • 3D Security:

This card is 3D secure that means you will get an OTP every time whenever you use your card for online transactions. 

  • Anything on EMI:

With this card, you can convert any purchase over ₹5000 into EMI, Via net banking. 

  • Balance Transfer:

You can transfer the balance of your other cards to your Standard Chartered Ultimate Credit Card to get a lower interest rate against your dues. 

  • Concierge Services:

With this card you will get a 24X7 Active concierge service, you can get any assistance from them whenever you need it. 

  • Dial-a-loan:

You can get a loan against your Standard Chartered Ultimate Credit Card with a nominal interest rate of 0.99% monthly for six months. And after six months it will be your credit card’s interest rate. Maximum loan amount ₹7,50,000

  • Balance into EMI:

You can convert your total credit card due into EMI and pay in easy monthly installments. 


  • Cash Withdrawal Charge: 3% against the amount, min ₹500.  
  • Finance Charge: 3.10% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

6601 4444 (Ahmedabad, Chennai, Bangalore, Hyderabad, Kolkata, Delhi, Mumbai, Pune)

39404444 (Amritsar, Bhopal, Bhubaneswar, Chandigarh, Cochin, Ernakulam, Coimbatore, Indore, Lucknow, Surat, Rajkot, Nagpur, etc.)

Toll-free: 1800 345 1000

                1800 345 5000


100xGain Ratings:


Final Opinion:

Standard Chartered Ultimate Credit Card is a multipurpose credit card but it is best suited for travelers and for those who love golf. This card offers benefits like a big welcome gift, reward benefit, travel benefit, golf access, add-on facility, contactless payment facility, 3D security, balance transfer, EMI facility, concierge service, and lots more. 

Although this card offers a lot of amazing features and benefits, it does not feature benefits like Lounge access or benefits on fuel purchase. So if you want to have lounge access then you can go for SBI Card Prime or if you want to earn benefit on fuel purchase then you can go for Standard Chartered Super Value Titanium Credit Card

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