Standard Chartered Ultimate Credit Card

(

4.3

)

Beginner

Best For: Travel, Shopping

From

Standard Chartered Smart Credit Card

Approval Rate:

Elementor Single Post #221

Powered By

HSBC Premier Metal Credit Card

The Standard Chartered Ultimate Credit Card is intended for frequent travellers and luxury consumers who desire premium benefits and exclusive rewards. Its unique selling proposition is the provision of exceptional travel benefits, including access to global airport lounges, complimentary golf rounds, and personalised concierge services. Business professionals, jet-setters, and high-net-worth individuals are the most suitable candidates for this program, which offers special reductions on global flights and accommodations, as well as rewards on travel, dining, and purchasing. This card is particularly well-suited for individuals who value seamless travel benefits, VIP services, and premium experiences, as it elevates the luxury lifestyle.

Card Details

Type of Card

Rewards

Reward %

3 - 5

Joining Fees

5000

Renewal Fees

5000

APR

45%

Welcome Benefit

Renewal Benefits

USP's:

Insurance Benefits

Fees & Charges

Joining & Renewal Fees

5000

Interest & Charges

Additional Charges

Rs 99 Per Redemption request

Rewards

Regular Rewards on Eligible Spends

Duty Free

Milestone Benefits

None

Exclusions

Fuel, Jewellery, Wallets

Rewards capping

Redemption modes

Brand Vouchers
Catalouge Products

Additional Features

travel-3d

Lounge Benefits

  • Domestic : 4 per quarter
  • International : 1 per quarter
cashback-3d

Insurance Benefits

  • Air Accident Cover
3902003

Other Perks

  • Priority Pass Membership
  • Complimentary Golf Rounds

Eligibility Criteria

Age

18Y

Min

60Y

Max

Credit Score

750

Ex Min

Other: Card-to-card eligibility requirements.

Pros

Earn 5 reward points per ₹150 spent, with 1 reward point equating to ₹1.
5% cashback on duty-free purchases at over 1,000 airports worldwide.
Complimentary access to premier golf courses in India.
Reduced foreign currency markup fee of 2% on international transactions.

Cons

High annual fee of ₹5,000 plus applicable taxes.
Limited complimentary international lounge access, requiring a minimum spend of ₹20,000 in the previous billing cycle.
1% fuel surcharge waiver capped at ₹1,000 per statement cycle.
Monthly interest rate of 3.75% (annual rate of 45%) on outstanding balances.

Terms and Conditions *