![Standard Chartered Ultimate Credit Card Review](https://www.cardexpert.in/wp-content/uploads/2023/02/standard-chartered-ultimate-credit-card-review.jpg)
When you’re on the lookout for a Tremendous Premium Credit score Card that provides rewards on “any” sort of spend, then you definitely’ve landed on the proper place. Within the present state of affairs the place most bank card issuers impose limitations on spending classes, Customary Chartered Final Credit score Card involves rescue not just for these kinds of spends but in addition past.
Right here’s every part you might want to learn about this infinitely rewarding bank card,
Overview
Kind | Tremendous Premium Credit score Card |
Reward Charge | 3.3% |
Annual Payment | 5,000 INR+GST |
Greatest for | Voucher redemptions |
USP | Rewards on all sort of spends |
With a reward charge that matches HDFC Infinia and with none redemption limitations, Customary Chartered Final Credit score Card is likely one of the most suitable choice for top spenders.
Charges
Becoming a member of Payment | 5,000 INR + GST |
Welcome Profit | 6,000 factors |
Renewal Payment | 5,000 INR + GST |
Renewal Profit | 5,000 factors |
Renewal Payment waiver | Nil |
The welcome rewards you get is equal to the becoming a member of price you pay. It even covers the GST half for that matter for first yr however sadly not on renewal, as you’ll be in need of 1K factors.
Anyway, reward factors as welcome profit is an effective transfer in comparison with the earlier welcome profit that used to provide MMT voucher.
Card Design
![Standard Chartered Ultimate Credit Card Design](https://www.cardexpert.in/wp-content/uploads/2023/02/stan-c-ultimate-credit-card-design.jpg)
The cardboard appears to be like fairly good with these golden parts shining on a black background. It appears to be like premium for positive in actuality. Furthermore, the Mastercard emblem provides a pleasant contact to the general design.
Rewards
- Reward Charge: 3.3% on most spends
- Rewards expire in: 3 years
As talked about beforehand, the USP of the Final card is that it provides rewards on all kinds of spends no matter whether or not it’s on-line (or) offline spend. There isn’t a cap in any respect each for incomes and redeeming.
Nevertheless, SCB has lastly provide you with revision of rewards on choose classes (as beneath) which can solely earn ~2% rewards going ahead (eff. 2nd April 2023).
- Choose Classes: 2% as rewards
- Hire Cost price: 1% + GST shall be levied moreover
![SC Ultimate Revised Rewards on select categories](https://www.cardexpert.in/wp-content/uploads/2023/03/sc-ultimate-revised-rewards.jpg)
Redemptions
- Redemption sort: Vouchers
- Redemption Payment: 99 INR +GST
Whereas we don’t have any “airline/resort” switch companions with SC Final bank card as of now, we will redeem factors for a protracted record of vouchers at 1:1 ratio.
![Standard Chartered Ultimate Credit Card reward redemption](https://www.cardexpert.in/wp-content/uploads/2023/02/standard-chartered-ultimate-credit-card-redemption-options.png)
Listed here are a few of the vouchers you may count on to redeem utilizing reward factors on Customary Chartered Final Credit score Card.
- Purchasing: Myntra, Nykaa, Pantaloons, Levis, and so forth
- Electronics: Croma
- OTA: MakeMyTrip, EaseMyTrip
- Motels: Marriott Motels, Taj Motels, ITC Motels
- Cabs: Uber
- Airline: Vistara Voucher
- Luxurious manufacturers like Luxe, Armani, and so forth.
Be aware: the voucher manufacturers retains altering every so often.
Usually, cardholders redeem factors for Croma vouchers, as that is most likely the one card that provides fairly good worth for purchasing electronics. However for those who’re into journey, you may discover complete lot of choices.
Foreign exchange Markup Payment
- Foreign exchange Markup Payment: 2%+GST = 2.36%
- Web achieve: 0.94%
Whereas its not an impressive achieve, it’s nonetheless superb for many who doesn’t have HDFC Infinia or Axis Reserve Credit score Playing cards, as you don’t free something for doing overseas foreign money spends on Customary Chartered Final bank card.
Airport Lounge Entry
ACCESS TYPE | VIA | LIMIT |
---|---|---|
Home (Main) | Visa / Mastercard | 4/Qtr |
Worldwide (Main) | Precedence Cross | 1/month |
- Spend standards for Intl lounge entry: 20,000 INR spend in earlier month
A real Tremendous Premium Credit score Card often comes with an infinite lounge entry profit throughout the globe not just for main but in addition for add-on cardholders.
Nevertheless, with Customary Chartered Final it’s fairly restricted in relation to lounge entry. Furthermore, to benefit from the complimentary worldwide lounge entry, a minimal spending requirement must be met, as talked about above.
Golf Profit
Whereas above is the inbuilt Golf profit accessible on Customary Chartered Final Credit score Card, you can too avail further video games & classes for those who’re holding the Mastercard variant of SC Final.
Mastercard World Golf profit provides you further 4 golf video games per yr and 1 golf lesson per thirty days.
Different Advantages
- Responsibility Free Spends: Get 5% cashback on duty-free transactions at over 1000+ airports the world over, with a max. cashback of 1,000 INR per thirty days.
- Film Profit: You may get the Buy1 Get 1 Visa Infinite Supply for those who’re holding Visa variant of the SC Final Credit score Card.
- Gasoline surcharge waiver: 1% waiver & no rewards on gasoline spends (eff. 2nd April 2023).
Eligibility
- ITR: 24L p.a.
- Different Financial institution Credit score Card: ~5L Credit score Restrict
- Current SC Credit score Card: ~4L Credit score Restrict
The eligibility standards for the Customary Chartered Final Credit score Card might differ every so often. Nevertheless, the data above can offer you an thought of what Customary Chartered financial institution is usually on the lookout for from a potential buyer.
How you can Apply?
![Standard Chartered Ultimate Credit Card India](https://www.cardexpert.in/wp-content/uploads/2023/02/sc-ultimate-credit-card-india.jpg)
Chances are you’ll apply on-line on Customary Chartered financial institution web site, however probabilities of rejection is excessive not too long ago.
So the best option to get Customary Chartered Final Credit score Card is to first get Standard Chartered Smart Credit Card after which apply for SC Final utilizing the present bank card relationship with the financial institution.
You’ll simply must authenticate your present SC bank card to get 2nd card from Customary Chartered and its only a matter of few clicks.
You’ll nevertheless have to be accepted for an excellent credit score restrict for this to work, which may be very a lot potential for those who’ve increased limits on different bank cards.
If the applying is caught and never responding past some extent, fear not, you’ll seemingly get a name from backend in every week or two.
If every part fails, the one possibility left is to open Customary Chartered Precedence Financial savings Account (30L steadiness) and apply for the cardboard primarily based on the banking relationship.
Bottomline
Customary Chartered Final Credit score Card has been one of many best credit cards in India for a few years in a row and it continues to shine in 2023 as nicely.
It actually stays as a really Final Bank card within the tremendous premium phase, particularly for many who are primarily on the lookout for non-travel reward redemption choices on ongoing spends.
Obtained queries? Get solutions to all of your questions round bank cards, rewards, airmiles, and so forth with the One-on-One Credit Card consultation service.
Do you maintain Customary Chartered Final Credit score Card? Be at liberty to share your experiences within the feedback beneath.