Standard Chartered Ultimate Credit Card, Best Golf Credit Card- Check features, benefits , and offers
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Indialends, 02 Jun 2026

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Standard Chartered Ultimate Credit Card

What is LAMF Finance Charges (Interest Rates) Late Payment Fees Cash Advance Fees

Standard Chartered Ultimate Credit Card is a premium credit card offering multiple benefits to cardholders. It makes you avail of discounts on traveling, lifestyle, and dining. The card is equipped with world-class privileges for the Standard Chartered Bank Ultimate Credit Cardholder.

The eligibility criteria to apply for Standard Chartered Ultimate Credit Card

  • The minimum age to apply for a credit card is 21 years and the maximum is 65 years.
  • The minimum income requirement for salaried is Rs 2 Lakh per month.
  • The minimum income requirement is Rs 24 Lakh per annum.
  • Must be having a credit score of 750, or above.

Documents required to apply for a credit card:

Below is the list of documents required to avail a credit card from Standard Chartered Bank:

  • One must have a valid KYC document such as a Voter Id card, Aadhaar Card, Passport, Driving License, etc.
  • Permanent Account Number (PAN) card or Form 60 if PAN is unavailable.
  • Income proof such as salary slips and income tax returns.
  • Bank or credit card statements.
  • The cards are applicable for both salaried and self-employed

Features and benefits of Standard Chartered Ultimate Credit Card

  • Earn 5 Reward points on each Rs 150 spent. Avail of maximum benefit with 1 reward point of Re 1.
  • Get 6000 reward points as welcome bonus points of joining fee
  • Up to ₹ 10,000 cashback on MakeMyTrip if booked within 90 days of card issuance
  • 2% foreign currency markup fee on overseas spends
  • 5% cashback on duty-free spends
  • Free airport lounge access to over 1000 across the world with a complimentary Priority Pass Membership with certain terms and conditions applied.
  • Travel and Air Accident Cover of up to $200K and Medical Travel Insurance of up to $25K.
  • Get 20 premier golf courses membership in India and 150 worldwide. 1 complimentary game and 1 complimentary coaching session per month

Standard Chartered Ultimate Credit Card fees and Charges

Fees and Charges Amount
Annual Fee Rs 5000
Renewal Fee Rs 5000
Cash Advance Charges 3% of withdrawal or Rs. 300 per transaction, whichever is higher
Add-on fee per annum NIL
Over-Limit Charges 2.5% of overlimit amount subject to a minimum of Rs. 500
Surcharges Rs. 10 or 1% of the transaction (whichever is higher) are levied on Petrol transactions. Rs. 25 or 2.5% (whichever is higher) are levied on Railway station
Goods and Services Tax GST is levied on all taxable supplies
Late Payment Charges Rs. 0 for statement outstanding balance less than or equal to Rs. 100
Rs. 100 for statement outstanding balance between Rs. 100 and Rs. 500
Rs. 500 for statement outstanding balance between Rs. 501 and Rs. 5,000
Rs. 700 for statement outstanding balance between Rs. 5,001 and Rs. 15,000
Rs. 800 for statement outstanding balance greater than Rs. 15,000

How to apply for SCB ultimate credit card ?

  • Visit the official website of Standard Chartered Bank
  • Click on the ‘Credit Cards’
  • Click on the ‘Apply Now’ button
  • Fill in your personal and income details
  • Submit the application
  • The executive will come to pick the necessary documents
  • The bank would verify the details properly before approving the application

If you wish to know about more about premium card features and benefits of other banks, Click here. We IndiaLends has collaborated with the top banks and financial institutions that are offering the best-in-class reward credit cards in terms of bonus points, air miles, cashback, discounts, gift vouchers, and so on.

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FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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