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Standard Chartered Ultimate Credit Card

The Standard Chartered Ultimate Credit Card offers premium travel and lifestyle benefits. Cardholders earn 3.33% back as reward points on all spends, enjoy up to 12 complimentary airport lounge visits annually, and benefit from a low 2% foreign exchange mark-up on international transactions. First-year fee is ₹5,000 plus taxes.

Standard Chartered Ultimate Credit Card

About Standard Chartered Ultimate Credit Card

The Standard Chartered Ultimate Credit Card is a premium offering that provides 3.33% value-back across various spending categories, comparable to top-tier cards like HDFC Diners Club Black and HDFC Infinia. It comes with travel perks such as 5% cashback on duty-free purchases and a low 2% foreign exchange mark-up. Cardholders also enjoy up to 12 complimentary rounds at select golf courses in India each year. However, lounge access is limited to 12 visits annually and is spend-dependent, while lifestyle benefits for dining and entertainment are modest.

Its key strength lies in the broad rewards program, covering categories like utilities, insurance, and education, which many other premium cards exclude. For high spenders who prefer redeeming rewards for vouchers and merchandise rather than air miles, this card is a strong choice.

Note: This card is not listed on Paisabazaar.com. For more information or to apply, visit the Standard Chartered Bank website.

Rewards & Introductory Benefits

Rewards Program

  • Earn 5 reward points for every ₹150 spent on general purchases¹.

  • Earn 3 reward points for every ₹150 spent on categories like utilities, groceries, insurance, school fees, property management, and government payments.

  • Each reward point is valued at ₹1 and can be redeemed via Standard Chartered Bank’s 360° Rewards platform for vouchers, products, and more.

Welcome & Renewal Perks

  • Receive 6,000 bonus points (equivalent to ₹6,000) upon card activation.

  • Get 5,000 bonus points when you renew your card².

Additional Features & Advantages

  • Low Foreign Transaction Fee: Enjoy a competitive 2% fee on international card transactions.

  • Cashback Rewards: Earn 5% cashback on duty-free purchases, up to ₹1,000 per billing cycle.

  • Airport Lounge Access:

    • Complimentary Priority Pass membership (valued at $99).

    • 1 free lounge visit per month* when you spend ₹20,000 in the previous billing cycle.

    • 4 complimentary visits to domestic airport lounges per quarter.

  • Golf Privileges: Get 1 complimentary round of golf per month at select premium courses across India.

  • Travel Insurance Coverage:

    • Air travel accident insurance up to ₹1 crore.

    • Medical insurance coverage up to $25,000.

Standard Chartered Ultimate Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

Standard Chartered Ultimate : Fees & Charges

Fee Type Amount
Joining Fee Rs. 5,000 + Taxes
Annual Fee Rs. 5,000 + Taxes
Finance Charges 3.75% per month| 45.00% per annum
Late Payment Charges
For Statement Balance:
Up to Rs. 100 Nil
Rs. 101 to Rs. 500 Rs. 100
Rs. 501 to Rs. 5,000 Rs. 500
Rs. 5,001 to Rs. 15,000 Rs. 700
Rs. 15,001 to Rs. 25,000 Rs. 800
Above Rs. 25,000 Rs. 1,200

Things to Consider Before Applying

This card is suitable for you if:

  • You want to earn strong rewards on everyday spending without paying a hefty annual fee.

  • You enjoy golfing occasionally and would value complimentary access to top golf courses.

  • You already have a card that covers airport lounge access, so you’re looking for other benefits.

  • You spend on utilities, insurance, or similar recurring payments and want to maximize savings.

Steps to Close Standard Chartered Ultimate Credit Card

If you want to close your Standard Chartered Ultimate Credit Card, you can follow the official digital process provided by Standard Chartered Bank for a smooth and secure closure experience.

Close via Net Banking or Mobile App

  • Step 1: Log in to Your Account
    Access your Standard Chartered net banking portal or mobile banking app using your registered login credentials
  • Step 2: Navigate to Help & Services
    After logging in, go to the “Help & Services” or support section available on the dashboard
  • Step 3: Select Card Closure Option
    Under the cards or service requests section, choose the option related to credit card closure or cancellation
  • Step 4: Provide Reason for Closure
    Select a suitable reason for closing your credit card from the available options
  • Step 5: Choose the Credit Card
    Select your Standard Chartered Ultimate Credit Card from the list
    If you have multiple cards, ensure the correct one is selected
  • Step 6: Review and Submit Request
    Verify all the details carefully and submit your closure request
    Make sure all information is accurate to avoid delays
  • Step 7: Receive Confirmation
    After submission, you will receive confirmation via SMS or email regarding your closure request or successful card deactivation

Important Points

  • Ensure all outstanding dues including EMIs, interest, and applicable charges are fully cleared before initiating closure
  • Redeem all reward points, cashback, or travel benefits before closing the card
  • Do not use the card after submitting the closure request
  • Cancel all auto-debits, subscriptions, and recurring payments linked to the card

After Card Closure

  • Check your credit report after a few weeks to ensure the account status is updated as “Closed”
  • Contact the bank immediately if you notice any discrepancy in the closure status

Standard Chartered Ultimate Credit Card Helpline Number

If you need assistance related to your Standard Chartered Ultimate Credit Card, you can contact the customer support team of Standard Chartered Bank. They provide support for billing queries, payments, reward points, card blocking, and credit card closure requests.

General Customer Support

24×7 Helpline for Premium Banking Customers

24×7 Helpline for Priority Banking Customers

Services Available

  • Assistance with billing and transaction-related queries
  • Support for payment processing and outstanding dues
  • Information about reward points, cashback, and card benefits
  • Help in reporting lost or stolen credit cards
  • Guidance for credit card closure or cancellation requests

Important Points

  • Some services may be available only during specific hours, typically between 8:00 AM and 8:00 PM depending on the request
  • Always use official Standard Chartered Bank contact details for secure communication
  • Keep your registered mobile number and card details ready for verification
  • Never share sensitive information such as OTP, PIN, or CVV with anyone

FAQs

What extra features does the Standard Chartered Ultimate Credit Card offer?

The card comes with digital payment options, online banking, and the ability to convert transactions above ₹5,000 into EMIs. Additionally, it offers a “Dial-a-Loan” facility, allowing you to avail a personal loan of up to ₹5 lakh with flexible repayment tenures between 12 and 60 months.

Yes, the card supports balance transfer, allowing you to move outstanding amounts from other bank credit cards. You can transfer up to ₹5 lakh, subject to your credit limit.

Yes, a foreign currency transaction fee of 2% plus applicable GST (18%) will be charged on overseas transactions.

The 6,000 welcome reward points are credited within 60 days after the joining fee payment is received by the bank.

Reward points can be redeemed for vouchers, merchandise, and other options through Standard Chartered Bank’s 360° Rewards Portal.