Travel on Points

Standard Chartered Ultimate Credit Card

  • Joining fee

    Rs. 5,000 + GST

  • Annual fee

    Rs. 5,000 + GST

  • Best suited for

    Travel, Shopping

Rewards

  • Rewards rate

    5 Reward Points on every retail purchase of Rs. 150

  • Welcome benefits

    6,000 Rewards redeemable for shopping vouchers or charity spends under the Standard Chartered 360° rewards program.

  • Reward redemption

    The earned Rewards are redeemable on the SC online portal under the Standard Chartered 360° rewards program. 1 Reward Point = Re. 1.

Benefits

  • Travel

    Complimentary Priority Pass membership with free domestic and international lounge access, and 5% cashback on all duty-free purchases at airports.

  • Domestic lounge

    16 domestic lounge access per year (4 every quarter)

  • International lounge

    1 complimentary lounge visits per month with the Priority Pass membership.

  • Golf

    1 complimentary golf game per month, and 1 free golf coaching session each month.

  • Insurance

    Air accidental insurance cover worth Rs. 1 crore, and several travel insurance covers.

Fees & charges

  • Spend-based waiver

    None

  • Rewards redemption fee

    Rs. 99

  • Foreign currency markup

    2%

  • Interest rates

    3.75% every month or 45% annually

  • Fuel surcharge waiver

    1% fuel surcharge waiver is applicable. Maximum Rs. 1,000 each month.

  • Cash advance charges

    3% of the transacted amount, subject to a minimum fee of Rs. 300

Product highlights

  • Welcome bonus of 6,000 reward points.
  • 5 RPs every time you spend Rs. 150 using the card.
  • 2% foreign currency markup.
  • 5% cashback on duty-free purchases at airports.
  • Airport lounge access at over 1,000 airports around the world.
  • 5,000 Rewards every year on the renewal of card membership.
  • Air accident insurance worth Rs. 1 crore by HDFC EGRO General Insurance.

FAQs

What is the validity of the reward points?

The reward points are valid for a period of 3 years from the time of accumulation.

Is the 5% cashback applicable on all purchases made at airports?

No. The 5% cashback is applicable only on purchases made from the airport’s duty-free stores.

What is the foreign currency markup on this card?

You will be charged a 2% foreign currency mark-up at the time of the international transaction.

Can reward points be redeemed for paying card bills?

No. Reward points can be redeemed only for shopping vouchers or charity spends under the Standard Chartered 360° rewards program.