{"id":85957,"date":"2026-03-27T16:45:50","date_gmt":"2026-03-27T11:15:50","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85957"},"modified":"2026-03-27T16:47:52","modified_gmt":"2026-03-27T11:17:52","slug":"standard-chartered-ultimate-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/standard-chartered-ultimate-credit-card\/","title":{"rendered":"A Detailed Review of Standard Chartered Ultimate Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 5 reward points per \u20b9150 spent.<\/li>\n\n\n\n<li>Enjoy 4 complimentary domestic airport lounge visits per quarter, along with 1 international lounge access every month.<\/li>\n\n\n\n<li>Get up to 4 complimentary golf sessions annually.<\/li>\n\n\n\n<li>Comes with a \u20b95,000 annual fee.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The Standard Chartered Ultimate Credit Card is designed for premium cardholders who want accelerated rewards, luxury travel privileges and lifestyle perks in one package. <\/p>\n\n\n\n<p>From earning 5 reward points on every \u20b9150 spent to enjoying international lounge access and golf benefits, this card caters to high spenders looking for value-backed exclusivity.&nbsp;<\/p>\n\n\n\n<p>If you are wondering what exactly makes the Standard Chartered Ultimate Credit Card stand out, read on to know all about it!<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#standard-chartered-ultimate-credit-card-benefits\">Standard Chartered Ultimate Credit Card Benefits<\/a><\/li><li><a href=\"#standard-chartered-ultimate-credit-card-features\">Standard Chartered Ultimate Credit Card Features\u00a0<\/a><\/li><li><a href=\"#standard-chartered-ultimate-credit-card-charges\">Standard Chartered Ultimate Credit Card Charges\u00a0<\/a><\/li><li><a href=\"#standard-chartered-ultimate-credit-card-eligibility-criteria\">Standard Chartered Ultimate Credit Card Eligibility Criteria<\/a><\/li><li><a href=\"#documents-required-for-standard-chartered-ultimate-credit-card\">Documents Required for Standard Chartered Ultimate Credit Card<\/a><\/li><li><a href=\"#value-chart-of-standard-chartered-ultimate-credit-card\">Value Chart of Standard Chartered Ultimate Credit Card<\/a><\/li><li><a href=\"#terms-and-conditions-of-the-standard-chartered-ultimate-credit-card\">Terms and Conditions of the Standard Chartered Ultimate Credit Card<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"standard-chartered-ultimate-credit-card-benefits\"><strong>Standard Chartered Ultimate Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Standard-Chartered-Ultimate-Benefits-1024x682.jpg\" alt=\"Standard Chartered Ultimate Credit Card Benefits\" class=\"wp-image-85959\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Standard-Chartered-Ultimate-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Standard-Chartered-Ultimate-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Standard-Chartered-Ultimate-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Standard-Chartered-Ultimate-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Standard-Chartered-Ultimate-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avail a reduced foreign currency markup fee of 2% on all foreign transactions.<\/li>\n\n\n\n<li>Get complimentary access to premier golf courses in the country.<\/li>\n\n\n\n<li>Get 4 complimentary accesses every calendar quarter on domestic lounges in India.&nbsp;<\/li>\n\n\n\n<li>Avail 1 complimentary access per month at international lounges outside of India with Priority Pass, upon spending \u20b920,000 in the previous month.<\/li>\n\n\n\n<li>Get 5% cashback on duty-free spends and access to over 1,000 airport lounges across the world.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"standard-chartered-ultimate-credit-card-features\"><strong>Standard Chartered Ultimate Credit Card Features&nbsp;<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Supplementary Credit Cards<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Share your credit card benefits with your family by getting lifetime-free add-on cards in their names.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Contactless Credit Card<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Make quick and secure payments without using cash by simply tapping your contactless credit card at enabled terminals for faster checkouts.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Digital Payment Solutions<\/strong><\/li>\n<\/ol>\n\n\n\n<p>You can access multiple instant payment options, including the Baharat Bill Payments system, BharatQR, and Samsung Pay, for a convenient digital transaction.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Online Banking and SC Mobile<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Now track your card balance and make instant payments easily through online banking and by using the <a href=\"https:\/\/www.sc.com\/in\/bank-with-us\/sc-mobile-app\/\" target=\"_blank\" rel=\"noopener\">Standard Chartered mobile application<\/a>.<\/p>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>360\u00b0 Rewards<\/strong><\/li>\n<\/ol>\n\n\n\n<p>You can earn reward points through the Standard Chartered 360\u00b0 rewards programme and then redeem them conveniently via the online rewards catalogue.<\/p>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\">\n<li><strong>Kuch Bhi on EMI<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Convert your purchases above \u20b95,000 into easy EMIs by using online banking or the Standard Chartered mobile app with attractive interest rates and flexible repayment tenures.<\/p>\n\n\n\n<ol start=\"7\" class=\"wp-block-list\">\n<li><strong>Secure Online Transactions<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Experience improved security on your online credit card transactions with a 3D secure OTP authentication for added protection.<\/p>\n\n\n\n<ol start=\"8\" class=\"wp-block-list\">\n<li><strong>Dial a Loan<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Get immediate access to funds by availing a credit card loan of up to \u20b95 lakh with flexible repayment tenures ranging from 12 to 60 months.<\/p>\n\n\n\n<ol start=\"9\" class=\"wp-block-list\">\n<li><strong>Balance Transfer<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Transfer all your outstanding dues of up to \u20b95 lakh from other bank credit cards to this card and take advantage of competitive interest rates.<\/p>\n\n\n\n<ol start=\"10\" class=\"wp-block-list\">\n<li><strong>Balance on EMI<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Convert your total outstanding balances of up to \u20b95 lakh into easy EMIs with zero processing charges. It can help make repayments more manageable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"standard-chartered-ultimate-credit-card-charges\"><strong>Standard Chartered Ultimate Credit Card Charges&nbsp;<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Charges&nbsp;<\/strong><\/td><td><strong>Amount&nbsp;<\/strong><\/td><\/tr><tr><td>Joining Fees<\/td><td>\u20b95,000<\/td><\/tr><tr><td>Annual Fees<\/td><td>\u20b95,000<\/td><\/tr><tr><td>Over Limit Fees<\/td><td>\u20b9500 or 2.5% of the over limit amount (minimum \u20b9500)<\/td><\/tr><tr><td>Cash Advance Fee<\/td><td>3% of cash withdrawal amount, subject to a minimum of \u20b9300<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"standard-chartered-ultimate-credit-card-eligibility-criteria\"><strong>Standard Chartered Ultimate Credit Card Eligibility Criteria<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The age of applicants for the Standard Chartered Ultimate Credit Card needs to be between 21 and 65 years.&nbsp;<\/li>\n\n\n\n<li>Applicants also need to have a stable monthly income.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"documents-required-for-standard-chartered-ultimate-credit-card\"><strong>Documents Required for Standard Chartered Ultimate Credit Card<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For identity proof, submit any of the following: Voter ID card, Aadhaar card, Government ID, etc.<\/li>\n\n\n\n<li>For address proof, submit your Passport.<\/li>\n\n\n\n<li>Latest 1-month salary slip<\/li>\n\n\n\n<li>Recent passport-sized photograph<\/li>\n\n\n\n<li>Latest IT returns with the computation of financials and the last continuity proof (for self-employed businessmen)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"value-chart-of-standard-chartered-ultimate-credit-card\"><strong>Value Chart of Standard Chartered Ultimate Credit Card<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Yearly Benefits of Using the Card<\/strong><\/td><td><strong>Total Benefit<\/strong><\/td><\/tr><tr><td>4 golf session (\u20b95,000\/visit)<\/td><td>\u20b920,000<\/td><\/tr><tr><td>6 domestic lounge visits (\u20b91,400\/visit)<\/td><td>\u20b98,400<\/td><\/tr><tr><td>4 global lounge visits with Priority Pass (\u20b92,300\/visit)<\/td><td>\u20b99,200<\/td><\/tr><tr><td>Cashback on duty-free outlets (\u20b91,000 cashback \u2013 2 visits\/year )<\/td><td>\u20b92,000<\/td><\/tr><tr><td>1.5% cashback on your foreign markup (\u20b950,000\/year)<\/td><td>\u20b9750<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"terms-and-conditions-of-the-standard-chartered-ultimate-credit-card\"><strong>Terms and Conditions of the Standard Chartered Ultimate Credit Card<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Keep note of the fact that duty-free transactions do not earn you cashback.<\/li>\n\n\n\n<li>Only transactions under fuel MCC codes (5172, 5541, 5542, 5983) qualify for the 1% fuel surcharge waiver benefit.<\/li>\n\n\n\n<li>If you make any insurance claims, do so within 15 days of the incident.<\/li>\n\n\n\n<li>The reward points reflect within 3 working days of transaction completion.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udca1Managing your credit card efficiently is just as important as choosing the right one. With the <a href=\"https:\/\/piceapp.com\/\">Pice App<\/a>, you can pay your credit card bills seamlessly, track expenses and avoid late payment charges. Get the app today!<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"footnote\"><strong>Footnote<\/strong><\/h3>\n\n\n\n<p>Get insurance benefits of complimentary overseas air accident coverage worth \u20b91 crore and medical insurance worth $25,000.<\/p>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1774609745928\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Which Standard Chartered Ultimate Credit Card transactions are not eligible for reward points?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Reward points are not awarded on specific types of categories, such as fuel purchases, ATM withdrawals, or any returned purchases. Additionally, disputed, unauthorised, or fraudulent transactions, transactions not initiated by the cardholder, finance charges, other fees and charges, as well as chargebacks, will not earn any reward points.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1774609765012\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>When will the cashback be credited to my Standard Chartered Ultimate Credit Card account?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Cashback, which you earn on eligible transactions, is credited to the cardholder&#8217;s account within 60 days from the date of the transaction. The amount is automatically reflected in the card statement once it has been processed.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1774609781195\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the complimentary golf benefits on the SC Ultimate Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The cardholder can get 1 complimentary golf game per month for each valid Ultimate Credit Card. Additionally, they can also enjoy 1 complimentary coaching session per month at domestic golf courses.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The Standard Chartered Ultimate Credit Card is designed for premium cardholders who want accelerated rewards, luxury travel privileges and lifestyle perks in one package. From earning 5 reward points on every \u20b9150 spent to enjoying international lounge access and golf benefits, this card caters to high spenders looking for value-backed exclusivity.&nbsp; If you [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":85958,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85957","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85957","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85957"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85957\/revisions"}],"predecessor-version":[{"id":85971,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85957\/revisions\/85971"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85958"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85957"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85957"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85957"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}