Standard Chartered Ultimate Credit Card – Everything You Need to Know: Fees, Benefits, Features

But in the hustle of being in a tech age, the credit analysis around everything else has fallen by the wayside. Now, credit cards have become increasingly appealing, with rewards options, cashback offers, dining benefits, lounge access, among a host of other features. For high-end spenders looking for the ultimate, all-in-one credit card experience there is the Standard Chartered Ultimate Credit Card. For the frequent flyer, the foodie, or those who just enjoy the finer things in life, the card comes with a range of benefits that suit all the different lifestyles.

In this post, we will discuss everything you need to know about Standard Chartered Ultimate Credit Card — its features, offers, charges, eligibility, and more. Let’s dive in.

Overview of the Standard Chartered Ultimate Credit Card

If you're looking for more than a standard credit card, the Standard Chartered Ultimate Credit Card is for you. It comes chock full of benefits — a great card for someone who spends often in a lot of categories. If you know you will be taking advantage of premium perks like airport lounge access, green fees, and bonus points for your travel/dining, this card is designed for you to up your life while making the cash back!

As one of Straight Chartered Bank’s premium cards, it gives the cardholder a balance between luxurious and practicalities, allowing you to be free on your daily spend and earn a lot of rewards.

Standard Chartered Ultimate Card Main Highlights

Here are some of the features of the Standard Chartered Ultimate Card:

To help you decide if the Standard Chartered Ultimate Credit Card is right for you, we’ve deconstructed some of its key features that make it a strong competitor and a potentially valuable addition to your life.

Reward Points System

The reward points offered is the most compelling feature of the Standard Chartered Ultimate Credit Card. With the card, you are entitled to accumulate reward points on all of your purchases. Whether you are spending, dining out, traveling, or even paying bills, earn points that can win you up to HKD100,000 of shopping vouchers.

• 5 Reward Points for every ₹150 spent on retail transactions.
  
  
• 10 Reward Points for every ₹150 spent on travel bookings through the Standard Chartered Travel Portal or for non-travel transactions.
  
  
• Redemption: 1 Reward Point = ₹0.25 for Air Mile & Hotel & Retail.
  
  

This makes the points-based system reward you the more that you use your card, with the rewards being redeemable for anything from flights and goods to lifestyle experiences.

Travel and Lifestyle Benefits

About the Standard Chartered Ultimate Credit Card: Aimed at frequent flyers and those who value luxury in their life, Standard Chartered's Ultimate Credit Card promises to bring more comfort and convenience your way. Here are the travel and lifestyle benefits which make this a premium card:

Free Lounge Access

Members can visit more than 1,000 airport lounges across the world free of charge with access for themselves as well as 1 guest. Business or pleasure, card offers you the places where you can simply relax in comfort before your flight.

Golf Privileges

This card comes with free access to 4 rounds of golf at designated golf courses per year. Cardholders also get free golf instructions in an attempt to better their swing. This feature is especially helpful if you are a golf lover or simply want to have a leisure time playing at well-known golf courses.

Concierge Services

Elite package cardholders have the added benefit of 24/7 concierge services. This feature is tailored to those people who need someone to help them book travel, appointments, tickets and the like, or those who just could use some help with life’s little errands.

Insurance

You'll get comprehensive insurance with the Standard Chartered Ultimate Credit Card including trip cancellations, lost luggage and medical while you are on any trip taken outside of India. That way cardholders can travel feeling assured that should something unexpected occur, they have support at home.

Luxury Lifestyle Benefits

Besides the travel benefits, the Standard Chartered Ultimate Credit Card comes with tons of rewards to improve your daily living:

Dining Privileges

Enjoy special discounts and offers from handpicked restaurants and fine-dining venues across India on your dining experiences. Whether you're simply don't feel like doing the cooking or you're looking for a more lavish dining experience to help solve a special occasion, the card makes sure you get the best of both worlds and enjoy top tier dining without breaking the bank.

Entertainment and Shopping

The card provides special offers on movie tickets as well as on shopping and entertainment. Cardmembers can get special offers on movie tickets and discounts at shopping sites and retail stores. And get increased reward points when they shop partner shops.

Exclusive Discounts & Offers

Get member-only access to exclusive discounts on luxury brands and services. Applications From the world of haute couture to luxury cars, it gives Standard Chartered Ultimate Credit Card cardholders that special treatment at leading brands.

Welcome Benefits

The welcome benefits offered on the Standard Chartered Ultimate Credit Card are quite appealing. And new cardholders who meet a certain spending minimum and activate the bonus offer can receive:

Welcome Bonus

New cardholders will often get 5,000 bonus points after making eligible purchases in the first 90 days of receiving their card.

Exclusive Vouchers

You also get vouchers from top brands such as airlines, hotels, & retailers, depending on the ongoing offers.

These are all welcome benefits, all of which contribute to the card's value proposition, providing instant gratification that can be exchanged for travel, shopping, and other purchases.

Annual Fee and Fee Waiver

The Standard Chartered Ultimate Credit Card charges ₹5,000 as annual fees, which could be on the higher side for some. But given the variety of perks it offers, it will be worth the dagger for those who are always on the road or hitting up the town. In addition, you can avoid annual fee if you spend more than ₹3,00,000 in a year, which makes it even easier to get for high spenders.

Insurance Coverage

An another additional advantage of Standard Chartered Ultimate Credit Card is the insurance cover all the way. It is a security for you in case of bad incidents like accidents, flight cancellations, and baggage loss during your travel.

Air Travel Insurance

Insurance covering unintentional death or injury while traveling via air.

Purchase Protection

Coverage for your new purchases for 90 days and 1 year against theft, loss, damage, or fire damage.

This additional level of safeguard is an especially important tool for travelers or credit card holders who frequently make big ticket purchases.

Eligibility Criteria

The Standard Chartered Ultimate Credit Card is a premium card, therefore it has an eligibility criteria. Typically, applicants should:

• Be 21 to 65 years of age.
  
  
• Earn at least ₹6,00,000 per year depending on the region.
  
  
• Have excellent credit and a high credit score (with nine reporting bureaus over 750).
  
  

The eligibility qualifiers are par for the course for a top-tier card, and fulfilling them means reaping the full complement of benefits the card provides.

Conclusion: Why the Standard Chartered Ultimate Credit Card?

It is a Premium credit card, with all the luxury, lifestyle and rewards benefits in one place. It is ideal for all types of people – the road warrior who needs a restful rest at some wonderful lounges, the ace golfer who likes some free rounds, and the foodie who is looking for that unique dining experience. The card’s hexagonal reward points offering and lifestyle perks, along with high reward rate and attractive welcome benefit, make it one of the best premium credit cards in India.

For individuals who seek to live their life to the best while also earning good rewards on spend, the Standard Chartered Ultimate Credit Card is one of the best choice. Based on all of the features as well this card should be a great value for you!

For someone who wants to travel, eat and shop at the best places, then the Standard Chartered Ultimate Credit Card can be your best friend who is always there for you at every occasion. This card opens doors and with its variety of perks and privileges, it is an entry to a life of luxury, ease, and benefits second to none.