Standard Chartered Ultimate Credit Card Review

If you're looking for a credit card that gives high cashback and special benefits on multiple categories, like travel and rewards, the Standard Chartered Bank Ultimate Credit Card is a great choice. This card rewards its users with a 3.3% rewards rate and allows them to redeem points for gift vouchers, making it a worthy competitor to several premium credit cards, such as HDFC Infinia and HDFC Diners Club Black Card. The SCB Ultimate Credit Card also provides excellent travel perks, such as a 5% discount on duty-free purchases and a foreign transaction fee of only 2%, which is one of the lowest in India. Moreover, the card offers golf benefits across premium golf courses in India. Therefore, if you are a frequent traveller or someone who is interested in higher rewards, this is an excellent option.

Overview

Who should get the Standard Chartered Ultimate Credit card?

The Standard Chartered Ultimate Credit card is an ideal choice for users who frequently spend substantially on categories like shopping and travel as users get discounts and cashback on these categories, including insurance benefits that cover air accidents and medical emergencies. Moreover, users can also opt-in for an EMI facility to convert their major transactions into simple EMI and also avail of a loan against the credit card in case of an emergency.
That is why this card is a suitable choice for users who want to avail of such benefits and are fine with an annual fee of ₹5,000 in exchange for these benefits.

How to apply for a Standard Chartered Ultimate Credit card?

Standard Chartered Ultimate Credit card can be applied through an online application process. To apply, follow the below-mentioned steps:

• Visit the Standard Chartered Website. 

• Under the “Card” section, “Ultimate Credit card” will be listed.

• Click on “Apply Now” and start the application process.

• Fill in all the required details and upload all the necessary documents to complete the process.

Standard Chartered Ultimate Credit Card Eligibility

• Age: 21 to 65 years
• Occupation: Salaried or Self Employed
• Income: Applicants should have a stable monthly income.

Documents Required

• Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
• Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
• Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.