Standard Chartered Ultimate Credit Card: Benefits, Apply

Standard Chartered Ultimate Credit Card Benefits and Apply

In terms of the fine tastes of elitist people towards credit cards, Standard Chartered Ultimate Credit Card has taken place in the hierarchy. The elite can choose one from a bundle of the most excellent categories with luxurious treats, benefits unlike others, and ease unmatched by others.

The most attractive feature of the card is its reward program, where one gets 5 reward points for every ₹150 spent. It can be redeemed for premium products, services, or even airline miles so that every purchase turns out to be rewarding.

Moreover, cardholders get free access to over 1,000 airport lounges across the world, so you’re set for comfortable as well as memorable journeys. Lastly, about the globetrotter, the Standard Chartered Ultimate Credit Card provides total travel insurance, and this includes lost baggage, and delays in flights, among many more, so you can travel worry-free.

The card also excels in its dining and entertainment benefits. For instance, users get fantastic discounts at certain excellent fine dining restaurants and priority admissions to events such as concerts and theaters. From the offers on online websites to those at high-end shops, this card guarantees you great value irrespective of what you are purchasing, whether necessities or indulgences.

What is the Standard Chartered Ultimate Credit Card?

The Standard Chartered Ultimate Credit Card is a credit card provided by the Standard Chartered Bank (Standard Chartered) offering an array of features and benefits suited to cater to the spending of customers. It particularly suits customers who love shopping, dining, and engaging in other lifestyle activities.

On every purchase made, the customer earns reward points, discounts on certain brands, and special offers. The card is very convenient to use in both online and offline transactions and includes security features to ensure its safety.

How is the design of the Standard Chartered Ultimate Credit Card?

The design for the Standard Chartered Ultimate Credit Card is modern, sleek, and sophisticated premium status is reflected in the premium offering. In terms of a black base color with a high-gloss finish, the look is rich, elegant, and luxurious. Add to that are clean, sharp font prints for the name and other information of the cardholder.

It proudly displays the logo of Standard Chartered and sports “Ultimate” branding at its center, reaping all exclusivity by its side. This card is infused with superior-quality material that would give it a premium and rugged feel within your hand. It is matched with contactless payment technology – a small wave icon on the front, blending the touch of modern functionality into the stylish design.

What are the benefits of the Standard Chartered Ultimate Credit Card?

Here are the simple explanations of its main benefits:

High Reward Points

  • You will earn 5 reward points for every ₹150 spent on the card.
  • You can redeem these points to get exciting rewards, vouchers, or airline miles.

Airport Lounge Access

  • You get free access to more than 1,000 airport lounges worldwide.
  • Ideal for making your travel experience more comfortable and luxurious.

Travel Insurance

  • Enjoy comprehensive travel insurance, covering things like lost baggage and flight delays, ensuring worry-free trips.

Dining Discounts

  • Get exclusive offers for the best in dining experiences to enjoy dining out.

Premium Entertainment Deals

  • Get access to special offers on events, concerts, and movie tickets, and add some fun to your lifestyle.

Low Forex Markup Fee

  • Pay a lower fee for international transactions ideal for frequent travelers to other countries.

Contactless Payment

  • Make simple tap payments easily using the card’s contactless technology.

Milestone Rewards

  • Spend a certain amount in a year, and you’ll receive additional rewards or vouchers as a bonus.

Exclusive Offers

  • Enjoy special deals on shopping, travel, and online platforms.

Priority Customer Support

  • Get quick and dedicated assistance for any queries or issues.

What are the fees for the Standard Chartered Ultimate Credit Card?

Here is a simple breakup of the Standard Chartered Ultimate Credit Card fees.

Joining Fee₹4,999 + GST (one-time fee when you get the card).
Annual Fee₹4,999 = GST per year. This will be waived if you spend ₹5,00,000 or more in a year.
Add-on Card FeeNo charges for additional cards for family members.
Finance Charges3.75% per month (42% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment FeeUp to Rs. 100 – NilRs. 101 to Rs. 500 – Rs. 100Rs. 501 to Rs. 5,000 – Rs. 500Rs. 5,001 to Rs. 15,000 – Rs. 700Rs. 15,001 to Rs. 25,000 – Rs. 800Above Rs. 25,000 – Rs. 1,200

What are the criteria for getting a Standard Chartered Ultimate Credit Card?

The following are the primary requirements:

  1. You should be between 18 to 70 years of age to apply for the Standard Chartered Ultimate Credit Card. This way, the applicants will either be young enough to begin creating a credit history or mature enough to have an established financial background.
  1. The income requirement differs according to your employment status:
  • Self-Employed Professionals: A minimum Annual income of Rs. 20 lakhs usually does the job.
  1. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
  1. Your credit score plays a role in the selection process. It is a tendency for Standard Chartered to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.
  1. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.
  1. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
  1. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What are the necessary documents required to get a Standard Chartered Ultimate Credit Card?

The documents that you will have to submit to get a Standard Chartered Ultimate Credit Card are as below:

Identity ProofAadhaar card, Passport, Voter ID, Driving license, PAN card
Address ProofSalary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income ProofSalary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
PhotographThe latest passport-sized photograph

Where can the Standard Chartered Ultimate Credit Card be used?

Here is the list of places where you can use it:

  • You can shop at almost every retail outlet, shopping mall, and e-shopping website with Standard Chartered Ultimate Credit Card for clothing, electronics, accessories, etc.
  • You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
  • You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
  • You can use it to book flight tickets, train tickets, or bus tickets. You can also use it to pay for taxi, Uber, Ola, or hotel bookings.
  • You can use your credit card to pay electricity bills and water bills, mobile bills, and internet services as well.
  • You can use your Standard Chartered Ultimate Credit Card to pay for something expensive, such as electronics or appliances, through easy monthly installments (EMIs).
  • The Standard Chartered Ultimate Credit Card is also accepted in other countries, where you can make purchases and payments, for it is also accepted wherever Visa is accepted.

What is the credit limit of the Standard Chartered Ultimate Credit Card?

The credit amount you can spend is what you are provided with a Standard Chartered Ultimate Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, then you can spend up to that amount only. In case you want to spend more than the limit, the bank would not consider spending over your credit limit.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for a Standard Chartered Ultimate Credit Card?

Apply it through both these modes: 

Online Application Process:

  • Visit the official website of the Standard Chartered Bank, i.e. www.Standard Chartered.co.in
  • Go to ‘Cards’, followed by ‘Credit Cards’.
  • On that page you can see numerous options for credit cards issued by Standard Chartered Bank; for instance, you will get an option to opt for Standard Chartered Ultimate Credit Card.
  • Just hover your cursor on Standard Chartered Ultimate Credit Card, followed by selecting ‘Apply Now’ from there.
  • You will be asked to fill out your details including your name, contact information, income details, and employment status.
  • Be accurate and updated with the information provided.
  • You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
  • After filling out the details and uploading the documents, review your application to make sure everything is correct.
  • Apply online through the application form.
  • The bank will check your application after submitting it. They can ask for extra documents or information if required.
  • You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

  • You can walk into the nearest Standard Chartered Bank branch to apply for the Standard Chartered Ultimate Credit Card.
  • Request for the credit card application form of the Standard Chartered Ultimate Credit Card. They will provide you with the form and proceed accordingly.
  • Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
  • Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
  • Your application will be processed, and your information will be cross-checked at the bank level.
  • In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
  • You will receive the Credit Card by post at the same postal address.
  • Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Standard Chartered Card website, or mobile app or by calling their customer service.
  • You would have to set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Will it be right to get a Standard Chartered Ultimate Credit Card in 2025?

Yes, getting a Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry, and so on. On top of that, the bank provides discounts with easy access to the EMI facility. 

The bank, Standard Chartered is also a strong bank with high customer service so it is dependable. But don’t forget, you should make sure that you can handle your credit responsibly in terms of time for paying the bills and keeping your credit from exceeding its credit limit. Provided that you are stable in terms of income, and you are in good credit, it might be a very good option in 2025.

Conclusion:

This Standard Chartered Ultimate Credit Card is a perfect mix of luxury, convenience, and rewards for people who want more from their credit card. Its high reward points, free access to the airport lounge, and exclusive offers on dining, travel, and entertainment make it tailored for premium-experience-oriented people.

It has more practicality, especially with features such as low foreign currency markup fees and strong travel insurance for frequent travelers. The card is also equipped with the latest contactless payment technology, ensuring fast, secure, and hassle-free transactions. Milestone rewards and premium customer support make it an exceptional value proposition for high-spending individuals.

Easy to apply for, the Standard Chartered Ultimate Credit Card brings benefits even on the day you collect the card. From every day turning spend into meaningful rewards to making comfort during travels, this card enhances your lifestyle. To get more information watch youtube videos.

Frequently Asked Questions (FAQ’s)

Que: Does this card have dining perks?

Ans: Yes! Card members enjoy savings at participating high-end restaurants. This credit card is suitable for food lovers.

Que: What’s the foreign currency markup fee?

Ans: There is a meager foreign currency markup fee. It benefits people who purchase a lot while traveling or frequenting other nations.

Que: How to apply for the Standard Chartered Ultimate Credit Card?

Ans: A: There is also an application that can be done through the Standard Chartered website or they can walk into any branch. The process is fast and effortless online.

Que: Does the card allow for milestone rewards?

Ans: A: Yes, when certain thresholds of annual expenditure are reached and crossed, you’ll receive extra rewards or vouchers.

Que: Are customer services available for this card?

Ans: Yes, Standard Chartered delivers priority customer services to help cardholders with queries or issues.

Leave a Comment

Your email address will not be published. Required fields are marked *

Schedule Appointment

Fill out the form below, and we will be in touch shortly.
Contact Information
Preferred Date and Time Selection