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Standard Chartered Ultimate Credit Card

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Do you want a credit card that offers various benefits with increased reward points? Then you should not miss some amazing credit cards offered by Standard Chartered Bank. You will get high reward points on every single transaction.

The Standard Chartered Bank is one of the leading banks in India. With various financial services such as bank accounts, loans, it also offers various ranges of credit cards. With convenient and instant payment solutions, cashback on duty-free, you can now enjoy a premium lifestyle.

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Here, we will talk about the Ultimate Card offered by the Standard Chartered Bank. To know more about its benefits, features, eligibility, and many more. Read below to know more-

Features of Standard Chartered Ultimate Credit Card

The Standard Chartered Ultimate Credit Card is known for the best features that it provides to its users. We have listed some important features in the below section. Read below to know more-

Welcome Benefit

If you are a new user of this credit card, then you will get the welcome benefit for the whole year. In this benefit, you will earn up to 6000 reward points when you avail of this credit card for the first time. This benefit covers the joining fee that you are required to pay in the beginning.

Reward Point

With this credit card, you will get 5 reward points on the spend of Rs. 150. The reward rate of the credit card is 3.3%. To redeem these reward points, you need to visit the website of the Standard Chartered Bank. After that, you need to choose the products only from the reward catalog on the website.

Renewal Benefit

The Standard Chartered Bank also provides benefits for its existing customers. So, if you are already a customer of this credit card, then you will get renewal benefits from the second membership year. You will get 5000 reward points every year that is worth Rs. 5000.

Concierge Services

You can also avail of the concierge services dedicated 24/7 for every customer of Standard Chartered Ultimate Card. So if you have any query or demand, you can contact the concierge service any of the below-mentioned requests-

  • Business Services
  • Travel Services
  • Shopping Services
  • Dining and Wine Services
  • Culture and Arts
  • Golfing Services
  • Several other services such as the delivery of groceries, pet care, etc.

Mobile and Online Payment of Bills

The task of paying your bills becomes easier with this credit card. You can easily pay your bills with the mobile banking facility. Along with that, you can also pay the bills through online banking such as NEFT, UPI, etc.

Convert Your Transactions into EMIs

The users of Standard Chartered Ultimate Card get the best opportunity to convert their purchases into Equated Monthly Income. So, if your purchase an item worth Rs. 5,000 or more, then you can pay its bills with its facility called “Kuch Bhi On EMI.”

Along with that, you will also get the EMIs at the super attractive interest rate and a processing fee of 1% of the total amount. The tenures of the EMI can range from 6 months to 4 years. Furthermore, you will not be charged with any foreclosure fees as well.

Insurance Cover

There are various insurance covers with this credit card. These are some insurance covers that you will get with this credit card are-

  • Overseas Medical Emergency Expenses worth Rs. $25000.
  • Baggage Delay of $10 every hour for up to $100.
  • Baggage Loss Cover of $30 per item with a maximum limit of $750.
  • Air Accident Cover worth Rs. 1 Crore.
  • Cover for the delay in international flights with $10 per hour with a maximum limit of $200.

Benefits of Standard Chartered Ultimate Credit Card

The Standard Chartered Credit Card offers various benefits that enhance your daily life. So, if you want to get the best experience with instant discounts and rewards We have listed several benefits that you will get by availing of this credit card-

Get a Loan on the Credit Card

An amazing benefit of this credit card is that you can get a loan. So, if you are in urgent need of any loan, and you have this card, then you can apply for it and the amount will be disbursed to your card within 2 days. Furthermore, you will get a loan with a low interest rate with very little documentation.

Dining Benefits

Another benefit of this card is that you can avail yourself of the dining privileges. In this category, you can enjoy delicious meals and fine dining at more than 250 restaurants across India.

Additionally, with the membership of DineOut Plus, you will enjoy a 25% discount with this credit card. But, if you want to enjoy this benefit, then you need to do the restaurant booking in advance. For that, you can use the online website or concierge services. Hence, now you can enjoy delicious meals across the country.

Travel Benefits

Another advantage of this credit card is the travel benefit. You can save immensely through this card with several discounts on international spending. The foreign exchange markup fee of this card is 3.5% along with the GST charges. Additionally, you will enjoy a reward rate of 0.67 on international transactions. All these benefits and features make this card the best for traveling and international transactions.

Cashback on Duty-Free

In this category, you can enjoy a 1.5% cashback for international spending. Also, for duty-free spending, you will get a 5% cashback. Thus, now you can easily save through these purchases from duty-free stores. You can avail of a maximum cashback on duty-free of Rs. 1000.

Access to Golf Courses

The Standard Chartered Bank also offers a Golf Program with this credit card. If you get yourself this card, you will get 1 complimentary benefit for golf coaching every month. Moreover, you will enjoy 1 complimentary game of golf per month. But, it is very important that you must do the bookings 7 days prior with the Standard Chartered Ultimate Credit Card. Enjoy the best times with these credit card and accentuate your lifestyle.

Airport Lounge Access

You get the benefit to access the airport lounges for both international and domestic purposes. The users of supplementary cards and primary cards can enjoy this facility. But, you must spend Rs. 20,000 in the last calendar month from these cards.

International– If you use the complimentary priority pass membership, you will get 1 visit to the airport lounge. But to avail of the priority pass membership, you need to spend Rs. 20,000 or above in the last month.

Domestic– The card offers the MasterCard Lounge Program in which you will get 4 complimentary access to the airport lounges in every quarter of the calendar year.

Hence, you will enjoy the complimentary priority pass membership of both domestic and international lounges.

Balance Transfer

The users also get the facility of the balance transfer. In this category, you will be able to transfer an outstanding amount worth Rs. 5 Lakh to your Standard Chartered Card. Also, the interest rate will be low so you can save a huge amount.

Know more about the Cashback Card

  • The main benefit of the cashback card is that you can save a significant amount while even spending with the card.
  • Also, you get cashback offers with a discount ranging from 2% to 5%. Moreover, the discount can reach up to 25% as well. You also get an increased discount for spending on dining, fuel, movies, travel, and many more.
  • Furthermore, you can also convert your credit card bill into equated monthly installments. Hence, with an easy and hassle-free process, you can redeem these cashback with your credit card.

Know More About the Shopping Cart

The Ultimate Card is a great option to use for shopping purposes. You can get different discounts and benefits with the sopping card. There are the advantages that you can gain with the shopping cards-

  • It helps to save time.
  • You can easily pay for your online shopping purposes.
  • You can also earn huge cashback and discounts on shopping, departmental stores, international spending, dining, groceries, many more.

Eligibility Criteria for Standard Chartered Ultimate Credit Card

To be able to apply for the Standard Chartered Ultimate Card, you need to be fit in the eligibility criteria. Here, we have listed the several criteria that you need to apply for the credit card-

Age of the Applicant

To apply for a credit card, you need to have the right age. For the Standard Chartered Credit Cards, your age should be between 21 years to 65 years.

Income

Secondly, the applicant should have a stable and stable monthly income. If you are a salaried professional, then your income should be Rs 2 lakhs per month. Whereas for self-employed individuals, the Income Tax Return of a year should be more than Rs. 2 lakhs.

CIBIL Score

To apply for the Standard Chartered Ultimate Card, you need to have a credit score of 700 points or above.

Documents Required for Standard Chartered Ultimate Credit Card

These are the important documents required to submit along with your application form-

Address Proof-

The important documents that you need to submit for the residential proof are listed below- Aadhaar Card

  • Passport
  • Driving License
  • Electricity or other utility bills
  • Credit Card Statement or Bank Statement of another bank

Identity Proof

As ID proof these are the important documents that are required to apply for the card-

  • Government ID
  • Passport
  • Aadhaar Card
  • Passport
  • Voter ID Card
  • PAN Card

Income Proof

  • For Salaried employees– Salary Slip of past three months.
  • Self-employed individuals– You need to submit a Business Continuity Proof, Recent IT return a copy, and certified financials.
  • For self-employed businessmen– You also need to submit a credit card statement or business continuity proof, and a copy of Income Tax Returns.

Make sure that you submit relevant documents for verification. it is very important otherwise, the bank will reject your application. So if you want to enjoy the advantages of this credit card, then always re-check your documents and other information properly before submission.

Fees and Charges of Standard Chartered Ultimate Credit Card

The Standard Chartered Bank is no doubt an excellent credit card. But, you must know about the different charges and fees. These are the various fees and charges of Standard Chartered Ultimate Card-

  • Joining Fee– The joining fee for the card is Rs. 5000 along with the GST charges.
  • Annual Fee– The annual fee for t his card is Rs. 5000 along with the GST charges.
  • Finance Charges– The finance charge is 3.75% per month for the Ultimate Card.
  • Limit for Cash Advance– Decided by the Bank itself
  • Interest-Free Period– The interest-free period ranges between 18 days to 25 days.
  • Cash Advance Charges– Minimum amount for cash withdrawal is Rs. 300. You will be charged 3% on the total withdrawal amount.
  • Fee for Cash Repayment– Rs. 299.
  • Charges for Reward Handling– Rs.99.
  • Over-limit Penalty– The minimum amount for the over-limit penalty is Rs. 500. You will have to pay 2.5% of the total over-limit amount.
  • Late Payment Fee– There are no charges for balances below Rs. 100. You have to pay Rs. 100 for the outstanding amount of Rs. 101-Rs. 500. For amount between Rs. 501-Rs. 5000- Rs. 500. For outstanding amount between Rs. 5001-Rs. 10,000- Rs. 700. For balance between 10,001- Rs. 25,000- Rs. 800. For amounts above Rs. 25,000, the late payment fee is Rs. 1,200.

Balance Transfer Service of Standard Chartered Ultimate Card

This credit card also provides you the facility of balance transferring. So, if you have a higher outstanding balance on a different credit card of another bank, then you can transfer that amount to the Standard Chartered Bank Credit Cards. In this way, you can repay the amount quickly and you can also save from the interest rates.

For this, you can easily transfer a maximum amount of Rs. 5 lakh to your Standard Chartered Credit Card. The interest rate will be 0.99% p.m. for the first six months. But, after six months, if you don’t repay the balance, then the regular interest rate will be applied to the credit card.

How to Get a Loan on the Standard Chartered Ultimate Credit Card?

As we have already said that the Standard Chartered Ultimate Card offers you to obtain a loan with a low-interest rate. Along with that, it will require very little documentation. You can get a maximum loan of 7.5 lakh with the help of this credit card. After your application is verified and approved, the amount will be disbursed to your bank account in under 2 days.

Now you don’t need to worry about any financial issues. If you have this credit card, then you can easily get a loan without much hassle.

Bill Payment Methods of the Credit Card

You can pay your bills on your credit card through online and mobile banking methods. These are the listed bill payment methods to easily pay your credit card dues-

  • Cash or Cheque Payment
  • Bill Desk
  • Visa Payment
  • Bharat Bill Payment Solution
  • Phone Banking
  • IBFT/NEFT
  • NACH (National Automated Clearing House)
  • Payment Apportionment
  • Online Payment
  • Mobile Apps

You can pay your bills anytime according to your convenience. Also, you don’t have to worry about missing your deadlines and late payment fees.

Contact the Customer Care of Standard Chartered Credit Card

The Standard Chartered Bank has a 24/7 Ultimate Concierge Helpline for its valuable customers. In this way, they are able to solve the issues their clients face. These are some customer care services of the credit card. that will help you to solve any queries and problems that you can ask-

  • Premium Banking Helpline
  • Email
  • Facebook and SMS
  • Banking Centres
  • Personal Baking Helpline
  • Online Complaint Form
  • Post
  • International Toll-Free Number

Steps to Earn and Redeem Reward Points of the Credit Card

The Standard Chartered Bank offers a unique rewards program with this credit card. You can avail of these reward points and spend them on different categories such as duty-free spending, priority passes, and get the maximum benefit.

In this category, you will enjoy a 360-degree rewards program. This facility allows you to redeem the rewards anytime. For that, visit the website of roopya.com and log in to your account for net banking. After that, the rewards catalog will open and you can redeem the reward points and purchase the items.

You can redeem the reward points through-

  • Phone Banking
  • Online
  • Cashbacks

Available Items To Redeem the Reward Points

There are various items available through which you can redeem the rewards points. The items belong to the following categories-

Charity– You can spend your reward point for charity purposes. You can spend the points on the “World Vision India.” then, you can also spend Rs. 250 which has 500 points to CRY. Then you can contribute 4000 points worth Rs. 1000 to the “Points for People.”

Family and Home– Beauty products, kids learning products, home furniture, kitchen items, etc.

Travel– Flight bookings, hotel bookings, travel products, accessories, and many more.

Electronics– Headphones, camcorder, gaming, television, camera, electronic accessories, PC, etc.

Movies– Book movie tickets online from websites for example BookMyShow.

Lifestyle– Bags, Jewellery, Shopping Vouchers, Gift Vouchers, Dining, etc.

Henceforth, when you buy any item belonging to the above categories, you can easily redeem the rewards points.

FAQs

If you still have any doubts regarding the card, you can find it here in this section. Read below to know about the FAQs of the Ultimate Card-

What is Ultimate Card?

The ultimate Card is an exclusive card offered by Standard Chartered Credit Card. This is best for gaining rewards points, easy EMI facility, cashback on duty free, international lounge access, and many more. Henceforth, with this credit card, you will get maximum benefit and live a premium lifestyle.

How do I waive the annual fee of Standard Chartered?

There is no waiver for the annual fee with this credit card. Thus, you have to pay Rs. 500 as annual fees for this card.

What are the charges of late payment of bills?

For late payment, these are the following charges-

  • No charges for balance below Rs. 100. You have to pay Rs. 100 for the outstanding amount of Rs. 101-Rs. 500.
  • For amount between Rs. 501-Rs. 5000- Rs. 500. For outstanding amount between Rs. 5001-Rs. 10,000- Rs. 700.
  • For balance between 10,001- Rs. 25,000- Rs. 800. For amount above Rs. 25,000, the late payment fee is Rs. 1,200.

What are the important documents required to submit for this credit card?

You will require residential proof, ID proof, and income proof. These are the documents that you will require for these proofs-

Residential Proof– Aadhaar Card, Passport, Driving License, Electricity, or other utility bills, Credit Card Statement or Bank Statement of another bank.

ID Proof– Government ID, Passport, Aadhaar Card, Passport, Voter ID Card, PAN Card.

Income Proof– Salary Slip of the past three months. Business Continuity Proof, Recent IT return copy, and certified financials.

Can I apply for an add-on card?

Yes, the Standard Chartered Bank also offers add on cards to the customers of SC Ultimate Cards. You can apply for a credit card for your family members such as mother, wife, father, sister, brother, daughter, and son. Now, your family members can also enjoy the same benefit of the cards.

What is the age limit to apply for a credit card?

To apply for the credit card offered by Standard Chartered, you must fit in the age limit. For both self employed individuals and salaried professionals, the age should be between 21 years to 65 years.

How to replace my old credit card with a new one?

To replace your Standard Chartered Credit Card, you need to log in to your online banking account with the SC Bank. But, if your card is lost or stolen, you must inform the bank immediately to avoid any mishap and further transactions. The bank will provide you with a new credit card in a few days.

What are the interest charges of the credit card per month?

The interest charge for the Standard Ultimate Card is 3.49% every month.

How many days does it take to receive the credit card after applying?

After you have applied for the Ultimate card and uploaded the correct documents, the bank will verify your application. Generally, it takes around 7 to 15 working days for the bank to provide you the card. The waiting period can also take above 15 days that vary for every applicant.

Can I pay my bills through Bharat Bill Payment Solution?

Yes, you can pay your credit card bill through Bharat Bill Payment Solution. You can also apply through other methods such as Cash or Cheque Payment, Bill Desk, Visa Payment, Bharat Bill Payment Solution, Phone Banking, IBFT/NEFT, NACH (National Automated Clearing House), Payment Apportionment.

How can I apply for the Standard Chartered Ultimate Card?

It is very easy to apply for the Ultimate Card by the Standard Chartered Bank. You can visit our website roopya.com and select the Ultimate Card from the credit card section. Then, click on Apply. After that, you need to fill in your details such as name, PAN card details, address, mobile number, etc. Then upload your documents. If your application is approved, you will get a notification. After that, a bank representative will call you for confirmation and further process. Finally, you will receive your credit card in around 7-15 days.

What is the credit limit of the Ultimate Card?

The credit limit of the Ultimate Card is decided by the bank. The bank will verify different factors to assign you the limit. If you want to get a higher credit limit, you must have a stable monthly income, ongoing debts, your repayment habits, credit score, etc.

Can I apply for a new Standard Chartered Bank Credit Card if I already have one?

No, if you already have a Standard Chartered Bank Credit Card, then you cannot apply for a new card.

What is Priority Pass Membership of the Ultimate Card?

The Ultimate Card of Standard Chartered Bank comes with a complimentary priority pass membership. With this facility, you can get access to the airport lounge for both domestic and international uses. You get access to 4 domestic airport lounges and 1 international lounge. To know more details about this credit card, you can check the details above.

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