Hands-on Experience with SC Ultimate Credit Card

Ultimate credit card is flagship offering from Standard Chartered Bank with top notch reward rate on regular spends. The card catapulted into Super Premium category as soon as it got launched. USP of this card is no exclusions whatsoever (till now) to RPs earning capability on any kind of spends category.

Ultimate was being issued on Mastercard World platform since last few years. Due to Mastercard ban, issuance was on hold. Starting February 2022, SC has tied up with Visa and started its issuance under Infinite variant. Personally Ultimate Visa Infinite variant looks far better than its Mastercard World counterpart.

The Card

SC Ultimate Credit Card
SC Ultimate Credit Card

SC Ultimate looks stunning in reflective Visa Infinite logo complementing the golden black theme. Deserves a place as one of the best looking card in the industry.

Joining Fees

  • Joining/Renewal Fee: Rs 5000+GST
  • Welcome Bonus: 6000 RPs within 60 days after payment of joining fee (Value: INR 6000)
  • Renewal Benefits: 5000 Points (Value: INR 5000)
  • Eligibility: ITR 24L p.a / Existing SC CC limit of INR 4 Lacs

Note: I received joining benefit of 6000 RPs post 50 days of joining fee

Reward Points

  • 5 reward points on every INR 150 spent (1 Reward Point = INR 1)
  • In reality, you get 1 reward point on every INR 30 spent making it even better
  • Reward Rate: 3.3%
  • Reward redemption fee of 99+ GST applicable
  • Best part is- you can redeem RPs as soon as the transaction gets posted, need not wait for statement generation (yet to verify this)
  • GVs currently available include options among Grocery, Fashion, Jewellery, 5 Star Hotel chains, Travel brands/ categories (amazon, flipkart GVs are not an option)

That means this card stands on par with HDFC Infinia & HDFC Diners Black. Infact, its better than those two, considering SC Ultimate card has ability to redeem for gift vouchers at face value (1RP= INR 1)

Airport Lounge Access

  • Domestic: Via Visa Infinite – 4 Visits/Qtr
  • International: Via Priority Pass – 1 Visit/Month (both Primary & Add-on Cardholder)
  • Qualifying criteria for Complimentary PP Visits: Rs 20,000 spend in the previous month on the respective credit card.

Other Benefits

  • 1 complimentary Golf game per month
  • 5% Cashback on duty free spends (Maximum cashback INR 1000 pm)
  • All other Visa Infinite Privileges (e.g. bookmyshow)
  • Forex markup fee of 3.5% levied n 1.5% cashback is given afterwards (SC could have kept it simple by levying 2% instead, thereby saving GST part)

How to Get?

Easiest way to get SC Ultimate is based on your existing SC credit card with a credit limit in the range of 4 Lakhs. As you might know, I upgraded to SC ultimate from SC Smart credit card and it was a smooth experience.

If you are new to SC, C2C basis other bank cards having limit of 5 lacs n older than 12 months may help. Call SC customer support if you are planning C2C basis other bank cards, as few readers have complained of applications being rejected and hurting CIBIL too.

Limitations

  • LTF Ultimate is near impossible unless you are HNI with SC (no point wasting time n energy on this )
  • Spend based waivers not applicable
  • Fuel surcharge waiver is not applicable (though you earn regular RPs)
  • PP offer of 1 visit pm upon spending 20K last month is unattractive for a card of this status
  • Visa Infinite offers on BookMyShow (quota is seldom available now a days)
  • Less merchant offers
  • No membership or tie-up of any kind
  • Amazon, Flipkart GVs as redemptions option is not available

Bottom Line

Devaluations in perks of erstwhile highly rewarding credit cards is the flavor of the season. Now a days almost all card issuers have started limiting RPs earning capability to only select categories. Wallet, Fuel, Insurance spends are few of them.

This card comes on top in the sense that you need not worry where to use it, at the same time giving highest regular reward points benefit available out there.

Author: Satish Kumar Agarwal

An Engineer by profession. Charmed by the world of finance including Credit cards, Mutual Funds, Insurance etc. Helping friends in becoming financial savvy gives joy n pleasure to me.

177 thoughts on “Hands-on Experience with SC Ultimate Credit Card

  1. Shiznit

    Is anyone able to convert their mastercard to Visa variant ?

    Reply
    1. Deepak Kumar

      Block and replace card….new card will be issued of visa variant.

      Reply
      1. Vikash Singh

        Block option will not change your card variant. As Master card can be issued to existing card holders. But to cross check your words i blocked and raised request for re-issue and guess what new card in app is showing withing one hour and new one is still the same Master card variant.

        Reply
    2. Satish Singh

      Yes, today I have raised request to convert my Mastercard World Ultimate card version for Visa Infinite over phone-banking. It has been approved and will be dispatched within 7 days. It took them 5 minutes to conclude while keeping me on hold. But no other challenges. I have been satisfied by this card and use as alternate to my HDFC Diners card.

      Reply
      1. Vikash Singh

        What you exactly told to executive and they agreed? As in my case they abruptly refused to change the card variant.

        Reply
  2. vaibhav

    will definitely get sc Ultimate in next 1 to 2 year , depend on the spend .. cause o have so many card having sc with no amazon, flipkart voucher to get make little difficult, but can get 500 yearly one

    Reply
  3. Prashant Gupta

    This is one of the best credit card and I am using along with infinia. Have redeemed lots of points for Croma.

    Reply
    1. Satish Kumar Agarwal Post author

      Knew it, just that I didn’t verify by redeeming. Good to get confirmation from you.

      Reply
  4. Naga V

    What is the procedure to apply card to card basis ?
    My application is rejected twice online. Did not want to take a chance again by applying online.

    Reply
  5. R

    The best card indeed, even better than Infinia.

    I got it and using since 1 month and I surrendered my infinia and Amex charge card.

    My monthly spends are almost 2 lacs.

    Reply
    1. PRAMTESH

      Very rare to see someone surrenders Infinia.
      If it was chargeable. Should have approached the bank to make it LTF.

      Reply
  6. Sandeep

    Hi Satish,
    While Card looks good on most front but with fewer merchant offers, which in general are better than 3.3%, less likely that anyone would use it for big purchases or festive shopping, grocery shopping, bill payments etc. But good to use for payments like rent, education fee, nps, or any other payments where there are no merchant/payment mode based offers. What’s your thought ……

    Reply
    1. Satish Kumar Agarwal Post author

      Sandeep
      This card is indeed meant to be used wherever there are no merchant offers. Or if you can’t use merchant offers due to partner bank card not available.

      Reply
  7. Ananth Krishna

    No previous relationship with SC. Applied and got DigiSmart in Jan 22 with limit of 3.3L. In Feb 22 applied for Ultimate. Application for Ultimate was simple just did 1 Rs transaction to verify existing Digismart card. Card was aprooved and delivered in a week. Very smooth process. Using it for all offline transactions due to its 3.3% reward rate. I am able to see points in portal in 3-4 days after transaction. Did not try redemption process yet.

    Reply
  8. ManzB

    For me except for 10X spends for which I use DCB, I normally use this one for anything and everything alongwith Axis Vistara Infinite. U have the MC variant which has a great feature of unlimited domestic lounge access. Add on cards are considered separate with a different card no.

    Also the availability of quite a few good GVs helps a lot for redemption. I normally use it for Bigbasket, ShopperStop etc. A 3.3% without any discrimination is excellent.

    Reply
  9. Prateek Gupta

    SC card department is really very stupid. I hold an existing SC CC with limit 3.84L as well as a HDFC Regalia with limit 10.45L. I applied for the SC Ultimate and gave docs for both the criteria. SC made a query to my CIBIL and later on rejected the application stating internal bank policies.
    I even wrote to their card services division quoting malpractise and reason for rejection but no luck there as well.

    Reply
    1. Satish Kumar Agarwal Post author

      Dear Prateek
      You choose wrong path to apply as a fresh card. Instead, you could have applied it via existing SCB card, that would have been far easier with better chances of approval.
      Getting Ultimate as a fresh application is not that easy. Apply basis existing cc, they don’t even do CIBIL enquiry too if I am correct.

      Reply
      1. Prateek Gupta

        So, do u think I should apply again(last rejection happened 20 days ago) and this time specifically mention that I want to apply using my existing Digismart card ?

        Reply
        1. Satish Kumar Agarwal Post author

          No need to mention anything. Once you opt for apply now tab on website, it will ask whether you are existing customer. Once you opt for the same, the process is very simple n self explanatory.
          For better understanding, please read the review of SC Smart cc on this website posted 1 month back

          Reply
  10. SP

    It’s indeed ultimate CC. I have it since 2016, I don’t remember last time I paid for money on clothes.

    All in all best CC to own.

    Reply
  11. Varun

    I have a SC Platinum Rewards card having a limit of around 2L, but my ITR is well above the 24L requirement. Attempts to upgrade my credit limit and eventually get to the Ultimate have failed. Any suggestions how I can get hold of this card?

    Reply
  12. Vikram

    I got this card in Oct 2017 and back then it was Visa Infinite variant only. Soon both variants became available. Now due to the MC ban it’s back to Visa Infinite only.

    Reply
  13. Vishal Masand

    I currently hold a SCB Priority card issued LTF.. Can I upgrade SCB Ultimate LTF ??

    Reply
    1. Satish Kumar Agarwal Post author

      LTF Ultimate never heard off. You may ask for waiver of annual fee near due date basis high spending.

      Reply
      1. Karthik N

        I believe it is not Ultimate LTF . There is free Visa infinite CC for SC priority banking customers which is trimmed down version of Ultimate.
        There is free Visa infinite debit card as well for SC priority customers

        Reply
  14. Rishabh

    I still feel for Online txns BoB Eterna Card is the best in the market, getting 3.75% cashback as reward on almost all the online txns since more than a year.
    And rewards redemption as Statement cashback is the best value in comparison to voucher redemptions.

    For offline Txns SC Ultimate can be considered but personally I prefer Axis Ace since 2% statement cashback is better than 3.3% rewards for me personally.

    I had used SC Ultimate last year but closed it on renewal last year end after having better savings with Eterna.

    I would suggest to go for Eterna if your spends are more on online.

    Reply
    1. Satish Kumar Agarwal

      Rishabh
      BOB Eterna is a good card, but comes with lot of limitations. Accelerated RPs limit is paltry for target customers. Base reward rate is low and annual fee is not compensated if waiver criteria not met.

      Reply
      1. Rishabh

        Hi Satish,

        Not sure about everyone but for me, I am very happy with Eterna so far since last 1.5years.
        Though there is a max cap of 5000 bonus points which roughly cover online txns upto 35000 per month with return of 3.75% as statement cashback, it is a decent limit which covers average monthly spend for many including rent.

        Addition to this, bonus points are applicable on No Cost EMI txns too which gets credited upfront for whole amount in first month.
        Lastly the merchant offers are quite good for BoB compare to Standard Chartered since last 2 years as BoB seems to be quite aggressive now a days.
        Upto 2k discount on Amazon, 3k discount on Tata Cliq, etc.

        While for Standard Chartered Ultimate case, based on my experience of usage, bank exclude this card from many of the offers like accelerated rewards etc.
        But ya for offline txns still ultimate is best.

        Also I failed to meet fee waiver criteria by 50-60k, wrote an email to the team and they happily reversed the annual charges.

        Reply
    2. Naga V

      If there are any exclusions for online transactions for BOB Eterna, Could you please let me know. I hold BoB Eterna, little worried if all Online transactions are considered for 5x rewards?

      Reply
      1. Abhi

        So far been getting 15X (technically its not 5X) on wallet loads like paytm (direct or via uber) and mobikwik, rent payments on redgirraffe-payzapp as well as Cred, shopping on credstore, payment checkout via Credpay, as well as offline restaurant spends. And I love doing those 160-170 kind of transactions as that’s considered alike 200 for RPs.

        Reply
        1. Naga

          Great 👍
          I assume all general online transactions as you covered mostly and not only specific to e-comm.

          Reply
    3. A2Z

      Same here, I prefer Axis ACE for 2% no-nonsense statement credit for offline spends
      For wallet based spends prefer SC Ultimate
      Was holding BOB Select, tried getting additional card Eterna but they goofed up
      Sales executive was wrong in saying multiple cards possible from BOB
      Hence application got rejected

      Reply
      1. Ramprabhu

        Paytm Wallet is charging 2.30 % while loading through CC. Mere 1% I can save from it. Does Paytm charge less for SCB Ultimate wallet load?

        Reply
  15. Darshan

    I have an existing SC credit card. But the reward rates on the reward portal seem to be 4 points = 1 rupee.

    Does it change when ultimate card is selected?

    Reply
    1. Satish Kumar Agarwal Post author

      Yes, if holding multiple cc once you change it to Ultimate reward ratio becomes 1:1

      Reply
      1. A2Z

        Big catch is since few years SCB changed the way we redeem points!
        Points across cards are not accumulated anymore like before. Earlier thru this we could redeem other card RP also for 1:1. In the process SCB goofed up and even made redemption for Ultimate Addon card also separate & segregated.
        Now one has to accumulate points across addon card as well separately.

        Reply
  16. Rampy

    Been using this card (Visa Infinite variant) for 4-5 years. But for non-partner offer purchases, I use this for all my spends. Have got most of my electronics from 3+ years from Croma, using these points. No confusion card.
    I agree with the pain point in getting this card. Been trying to get it for my elder brother who has 12+ lakh limit on DCB & Citi+ SC Titanium with 3+ lakh limit via upgradation process (1₹ transaction) & C2C basis. But, either we don’t receive response from Bank after application or just gets reflected!

    Reply
  17. Ashish Nikhare

    Are there any 5X or 10X Reward Points offers or Portal on SC Ultimate for earning accelerated Reward Points apart from the base 3.3% just like Infinia ?

    Reply
    1. Satish Kumar Agarwal Post author

      Mostly during 4th quarter, SC runs 5X offer on payment of insurance premium for its non cashback cards limited to 2000-3000 RPs

      Reply
  18. Ashish Nikhare

    Can someone post a detail step by step process of “How to upgrade to SC Ultimate from Digismart ?”

    Reply
    1. Satish Kumar Agarwal Post author

      Please read SC Smart cc review by clicking the link on this page. I hope it is same as what you want.

      Reply
  19. Muthu

    Reward redemption fee of 99+ GST applicable. Is it applicable for e-voucer also? please confirm. What are the worth e-vouchers available for ultimate card? Is there SPAR, BIGBAZAAR voucher available?

    Reply
      1. Satish Kumar Agarwal Post author

        Useful GVs available are–
        Bigbasket, Cleartrip, Croma, Decathlon, Hyatt, Kalyan Jewellers, Lifestyle, Max, Nykaa, Pantaloons, Pepperfry, Shoppers Stop, Tanishq, Titan, Westside etc.

        Reply
  20. Enthusiast CC

    I applied online for the SCB Ultimate card last week.
    The application got struck for long time. No application number was provided.
    No one contacted from the bank.

    Seeing such a stupid & careless attitude from bank, I decided not to proceed with the card. I applied for IDFC card and they were prompt in approving the card & VKYC was also a breeze.

    This card is only for select few who have contacts in the bank or with the sales persons. Definitely not for the common man who prefers to apply online.

    Reply
    1. Naga V

      In my opinion, they are not approving if a person holds multiple credit cards in excess. It automatically rejects and they seems to be quite strict. Nothing related to income or cibil.

      Reply
      1. Satish Kumar Agarwal Post author

        Probably not true. Because at the time of application, I was already holding 10 credit cards. Still it went smoothly.

        Reply
  21. Ankit B

    I have a SC Ultimate Mastercard variant. Would love to get the Visa infinite variant. Anybody knows how to do this?

    Reply
    1. Harshit

      I recently got the SC Ultimate Visa variant. Prior to this, I was holding the SC Ultimate MasterCard variant as well as a LTF Manhattan Platinum. Application was a breeze using their online system. I just choose the existing relationship / credit card holder option in the process; a transaction of INR 2 on my Manhattan Platinum card and the SC Ultimate Visa variant card was in my hands in less than a week’s time.

      The drop down list of existing SC credit cards does not include SC Ultimate MasterCard variant. Maybe you can select others and do a transaction of INR 2.

      Reply
      1. MadMax

        What happened to your SC masterworld variant.Did it got deactivated automatically or you are holding both variants.

        Reply
        1. Harshit

          The MasterCard variant still works. Just added some funds to my Mobikwik wallet with the card. Just as an FYI, I have switched my spends to the Visa variant.

          Planning to hold both the variants for now. Will most likely cancel the MasterCard variant once it comes up for renewal.

          Reply
  22. Mudit

    @Satish
    Thanks for the article. Looks like this card is better than HDFC for all regular spends.
    Would you know if we get RPs fro EMI transactions also ?

    Reply
    1. Satish Kumar Agarwal Post author

      Thanks for the appreciation.

      Should get RPs on EMIs too as nothing is mentioned under exclusion.

      Reply
  23. PK

    I tried applying for this card on a card to card basis at the branch and online. They both said that this card cannot be applied on card to card basis and it is not issued to self employed people and will only be issued to salaried people.

    Reply
  24. Saurabh

    Why there is no mention of makemytrip 10k cashback joining benefit ? Is that not available for everyone ? I called customer care and they said it is still applicable (on my newly approved card).

    Don’t have much experience with SC customer care. But I know many like HDFC customer care are well known for giving wrong information sometimes.

    Reply
    1. Satish Kumar Agarwal Post author

      10K MMT cashback has been replaced with 6000 RPs as joining benefit

      Reply
  25. Sekar

    I have applied for this card couple of weeks and got rejected stating that I haven’t met their internal policies. I’m holding SCB Titanium for more than 8 years with limit less than 2L! I’m surprised that they are increasing credit limit once in 3-4 years. Should I need to wait for another few years to increase my limit and apply again as they clearly said C2C basis is not possible now. They are offering me to upgrade to Manhattan but apart from Supermarkets I don’t find anything useful in Manhattan and I’m happy with my Titanium as most of my utility and petrol expenses are spent in that card and they are saying once your application got rejected we need to wait minimum 6 months to apply again!
    Will my CIBIL score get hurt once my application got rejected ?
    Confused now.

    Reply
    1. Satish Kumar Agarwal Post author

      SC doesn’t enquire CIBIL if fresh card is applied using Re 1 authentication via existing card. Atleast this was true in my case. Fellow readers can tell their experience to help prospective SC Ultimate card seekers.

      Reply
  26. vaibhav

    i sincerely love this card since i have not been able to get my hands on an infinia or diners black. Thanks to this website, and this article in 2019: https://www.cardexpert.in/standard-chartered-ultimate-credit-card-review/
    i was able to successfully make use of the many features that SC provided with the card then, especially the MMT offer. What is a downer is not being able to redeem the points to amazon or flipkart vouchers which initially i was able to. The choices to redeem points are limited but i now convert them into myntra/mmt/croma.
    Of all the cards in the market, this still gives the highest reward points on all categories; but i do have my eye on infinia for selective spends.

    I thank you Satish for all the effort you have put in, all these years; and wishes for many many more.

    Reply
    1. Satish Kumar Agarwal Post author

      @Vaibhav

      Thanks for the kind words. It really motivates to get best out of me.

      Reply
  27. ARR

    Hi all,
    I tried to apply for this card many a times earlier. But, all my efforts went in vain. My desire to get this card grew stronger and stronger as it wasn’t approved easily. I strongly decided to get this card for sure.
    At last, one fine day I did decide to apply for this card in Oct,21 based on my Regalia card with a limit of 9,70,000/- through the third party. VKYC was done and it got approved. But, they gave me Platinum Rewards initially with a limit of 6,00,000/-. I later got the Ultimate through the website. I got the Master card variant with 6,000 points as a joint bonus. This was my 13th card. They didn’t do any address verification or office verification. I’m into Govt. Service. I’m very much happy with the vouchers that they offer.
    Do you suggest me to have Visa variant over Mastercard variant?

    Reply
    1. Mitesh

      My appication was also rejected multiple times. Can you tell me which third party you applied.

      Reply
  28. Raj Kumar

    Thank you for this article! I applied for card this 3 days ago with C2C. Today I received it with a 5 lakh limit. Now I don’t have to bother with HDFC, since they keep rejecting my CC applications for some reason.

    Reply
  29. akash

    Thinking to applying for this card. could anyone tell me what are the redemption vouchers available? & reward ratio is 1:1 on redeemed vouchers ?

    Reply
    1. Satish Kumar Agarwal Post author

      Reward Ratio 1:1 for Ultimate. GV options changes frequently

      Reply
  30. Ashok

    Thank you Sid. Coincidentally, I upgraded my Manhattan + SC Titanium to this only 10 days ago but note that unlike other banks, SC only adds new cards to your existing credit limit so these three cards have a total credit limit of x amount. Nevertheless, conversion rate is impressive.
    I hear that this is probably the only card which allows add-on cardholder to use Airport lounges. Can we confirm if this is true. Many thanks, Ashok

    Reply
    1. Sid

      I too have manhattan and 11 year old gold card, both are useless. Whenever I try to close them, SC credit my account with 2500 points and ask me too continue them. Have you requested upgrade of manhattan to ultimate or used 1Re method for new ultimate?

      Reply
  31. Gyanesh

    Comparing with Infinia :
    1) Are accelerated rewards available on SC Ultimate? For example, 5x on HDFC Smartbuy
    This changes the reward rate %

    2) Can you redeem the RP while buying airline tickets? For example, 70% via HDFC Smartbuy concierge

    3) What are the GV options currently? Even if they keep changing, what’s the current list ?

    Reply
    1. Satish Kumar Agarwal Post author

      SC generally runs targeted offers to some users from time to time that are few n far between, as per my information.

      Accelerated RPs earning capability regularly like HDFC Smartbuy platform isn’t available on SC Ultimate.

      Reply
    1. Satish Kumar Agarwal Post author

      Thanks for the link. AFAIK this is agin a targeted offer sent to select users only.

      Reply
  32. Gyanesh

    Thanks, so looking at redeeming the RP earned at 3.3% rate, the good thing is that the conversion ratio is 1:1 for all GV.
    Pity that this doesn’t include Amazon/FK GV.

    Its better than the normal Infinia RP (earned at 3.3% rate), where 1:1 conversion is limited to a few options only.

    Then again Infinia has the Smartbuy 5x which bumps the reward rate to 16.5% and even assuming the bonus RP are converted 1:2 for Amazon GV, that’s still an impressive 8.25% reward rate.

    Net net, Infinia is better imo.
    What do you think?

    Reply
    1. Satish Kumar Agarwal Post author

      Ultimate is replacement for Infinia/ DCB non-Smartbuy spends or for those spends where HDFC doesn’t give RPs like wallet, fuel, insurance (with capping).

      For Smartbuy spends, Infinia/ DCB still holds the edge.

      Reply
    2. Naga

      No other card except SC Ultimate gives a default reward rate of 3.3% with good conversion to redeem. Infinia has a bad conversion rate (0.5rs) when redeemed to GV except apple/tanishq vouchers (1 rs). Especially for very high spenders this card ultimate is useful.

      It’s better to have a mix of both SC ultimate & Infinia for maximum benefits.

      Reply
  33. Pallav Sinha

    Hello,

    How do you apply for ultimate card via card to card basis? When I apply online, it asks for Gross Monthly Salary. If I enter less than 200,000 it says ineligible. In the online process I didn’t see any option to apply C2C. Thanks in advance for your help.

    Regards,
    Pallav

    Reply
    1. Vicky

      Just enter any eligible gross salary, and in the next step instead of salary slip, select card to card statement. ( limit more than 4 L)
      I did the same last year and got visa ultimate.

      Reply
      1. Ayush Bhargava

        I tried multiple times through their portal but the application gets stuck after clicking on processing post filling the application details and selecting card to card statement in salary slip option. I think they are not accepting new applications through card to card statement in salary slip option.

        Reply
        1. Vijay

          I also faced the same issue. I posted on Twitter to their support handle and they had someone call me and updated all the details from backend. Just in a day, everything was completed. After 2 days, received a message that my card is approved.

          Reply
          1. Ayush Bhargava

            I also got callback from them, as per them they are now not issuing this card on card to card basis and to individual having salary greater than 24 lacs.

  34. RAHUL M R

    I have an Infinia LTF, Baroda Eterna & Premier(LTF) , Axis Magnus ( 6.6% for 1lakh spend) and now this SC ultimate. Bit confused on which to use . I want to get some of them canceled and to keep very limited ones.

    Can someone suggest what can be the best option .

    Reply
    1. Naga

      If your monthly spends are less than 1.5 lakhs, you can drop out ultimate as it’s not ltf.

      If monthly spends are more than 1.5l, I recommend to keep all cards.

      Not sure about premier, I think it’s lower to eterna.

      Reply
  35. RAGIB

    With Rs 5000/- plus taxes = Rs 5900/- card fee per year you need to spend at least Rs 1,77,000/- just to make it break even @ of 1 point per Rs 30/-.

    Having Paid Infinia, my suggestion would be to skip this card until & unless your expenses are north of Rs 12+ Lpa.

    All depends on the amount spend and the categories.

    Reply
    1. Satish Kumar Agarwal Post author

      RAGIB
      1. For joining fee, they are crediting 6000 RPs as welcome bonus
      2. For renewal fee, 5000 RPs will be given

      Reply
      1. RAGIB

        Wow nice. I missed that part. Sad.

        Then break even point is very very easy to achieve. Now i am also thinking to get this card. 🙂

        Reply
      2. Vipeesh

        I was told that there are no bonus points for renewal (11-Aug). I anyway decided to go ahead with the card, let’s see what happens at the time of the renewal.

        Reply
        1. Satish Kumar Agarwal

          Renewal Fee (2nd year onwards) Offer.
          The Ultimate Cardholder is eligible to receive 5,000 Reward Points on payment of Renewal Fees. Reward Points will be credited within 60 days after realisation of the renewal fees by Standard Chartered Bank. Where renewal fee payment is converted into balance on EMI, the cardholder will not be eligible to receive Reward Points.

          Reply
  36. Abhishek

    Do we get this 3.3% reward rate on Jewellery shopping with SC Ultimate?

    For DCB my RM said I wouldn’t get any reward points on Jewellery purchase.

    Reply
    1. Mouli

      SCB gives point for everything except emi. For fuel, Jewellery ,utility payments and all other categories are eligible for reward points

      Reply
      1. Abhishek

        Thanks for the info Mouli 🙂

        Does anyone know if DCB also gives points for Jewellery shopping? The company website has only a few restrictions on points (insurance, wallet, fuel) but doesn’t seem to mention Jewellery.

        Reply
        1. Sreetharan

          i have used DCB for jewellery a few times and it gave points always

          Reply
        2. Abhi

          Have got RPs for shopping at Kalyan with DCB. There’s no RP limitation when you shop at jewelry stores with DCB. Only thing is you don’t get accelerated RPs if you buy online like amazon/flipkart. But that still qualifies for regular 1X.

          Reply
        3. Ravi

          DCB gives points for jewellery purchase. I have got several times

          Reply
          1. Abhishek

            Thanks for the info Sreetharan, Abhi & Ravi.

            I talked to another credit card guy at HDFC, he also said that there will be no reward point on Jewellery purchase. Maybe they all misunderstood some internal memo/policy.

      2. Gautam

        You get points for EMIs too. Points are posted upfront and not on a piecemeal basis as it happens with HDFC cards.

        Reply
  37. Atul

    Redemption option on SCultimate has Statement Credit option ?
    Or Amazon voucher…is it at par to 1:1 point to INR conversion ?

    Reply
    1. Mouli

      No Statement Credit and No Amazon Voucher.
      Lifestyle, Shoppersstop,MMT,Yatra,Croma and lot other are there

      Reply
  38. AAJ

    Received spend based 2x points, max 5k. Good 6.6% returns for SCUltimate.

    Reply
  39. Pallav Sinha

    Hello Vicky,

    Thanks for the response. When I added the salary details, the next page it asks for Salary slips and all. It didn’t prompt me for derails of card to apply card to card basis At what step does it prompt for C2C? Also C2C can be applied based on non SC credit cards?

    Thanks in advance for your help.

    Regards,
    Pallav

    Reply
    1. vicky

      Hi Pallav,
      I had applied for this card around a year back, after entering the total salary, there were many options in the drop down menu( itr, salary slip, cc statement) in the next step. I uploaded my non-sc credit card having 5 lac limit.
      I had 4 year old relationship with the bank with good transaction history.

      Reply
  40. Naga

    Rejected my card due to too many enquiries. Need to give a break for my cibil

    Reply
  41. Ashish

    You get accelerated RPs for insurance premium payment on HDFC Diners black.

    Reply
    1. Thangarajan D

      Can we get the RP for NPS payments in sc ultimate card?

      Reply
  42. Mohan

    I tried applying online. Its stuck at processing and not going further. is there any customer care number where i can apply via them?
    Aslo my permanent address is not in their listed pincode. How to proceed with my application is my pincode is not in their list whereas my current residence address is in their listed pincode?

    Reply
    1. Neeraj

      I applied online and for me also it got stuck in processing. Once I closed the browser, I received a call in 15 mins asking if I am applying for Ultimate card. They processed it 21st April afternoon and I got my card delivered on 23rd April morning, just within 48 hours. No previous relationship with SC in anyways but got the card approved immediately.

      Reply
      1. Ayush Bhargava

        Did you apply on card to card basis or on salary basis?

        Reply
  43. Chanduatla

    Ultimate-MasterCard to Visa Infinite – got in 2 days.
    Initially, I have only one card from a bank, i.e. Ultimate-master card with a credit limit of 5 Lakhs above. Through phone banking, made a new Digi card request and in 1 day, it is activated in the mobile app. through online mode, made INR 1/- transaction through Digi card and applied for Ultimate-Visa Infinite. The next day, Ultimate-Visa infinite is activated. In total 2 days, the new card is activated and I am doing transactions now with a new card. As we cannot make Ultimate Visa through Ultimate master card, the above process was followed as informed by customer care. Now needs to close Ultimate-Master card through customer care. Changed to Visa infinite as the master card was not accepted in a recent South Asia trip.

    Reply
    1. Praveen Katiyar

      I recently paid my annual fee for Ultimate Mastercard variant, is bank also helping in this regard i.e adjusting fee collected for MC version for Visa version ? Or Visa will be altogether new card (with initial benefits as well ?).

      What if someone doesnot close the MC version ? Can a user keep two Ultimates ?

      Reply
  44. Akshay

    I have a Infinia card with a limit of 15 lakhs+ I wanted to get the standard chartered ultimate card via c2c basis but the call centre executive refused saying its only for salaried individuals and not self employed. any non salaried person able to get this card?if yes, kindly guide on the process.

    Reply
  45. LKG

    Hi, thanks for posting this nice post. I checked SC 360 Rewards website (without login as I am not their customer yet) and found all vouchers offering only 25 paisa value per reward point!! I think that should change after login basis the card held by customer. I am right? what are some good value options where one can get voucher at the rate of 1 Re. per 1 reward point? since we are at it, which credit card gives best cashback or reward value on insurance payment? I heard freecharge CC is good but not able to get it – how to get it? Thanks

    Reply
  46. Kalyan

    How long does it take for the welcome bonus reward points to get credited?

    Reply
    1. Phani

      1st Month Statement – Annual Fee,
      2nd Month – GST on Annual Fee,
      4th Month – Reward points reflect in the account (you can check same before generating statement). Same applies to any bonus offer provided by the company.

      Reply
    2. Satish Kumar Agarwal Post author

      As per mail received from SC, fulfilment of joining/ renewal benefit would be done within 60 days from payment of fee.

      Reply
  47. DEB

    Apply For Standard Chartered Credit Cards and Get Free GOQii Smart O2 Watch
    If you have recently received a new credit card from Standard Chartered Bank, here is some good news for you.
    The Standard Chartered Credit Cardholders can get GOQii Smart O2 Watch making a single transaction worth Rs. 1,500 or more within the first 30 days of card issuance. The offer has been launched as an introductory benefit for the new cardholders and it is only valid till May 31, 2022.

    Terms and conditions:
    The Offer is only open to customers who have submitted the application for an Eligible Credit Card electronically on the Banks webpage or mobile application during the Offer Period. Applications not submitted in the manner stipulated by the Bank will not qualify for the Offer.

    The Offer will be applicable on any one of the first Eligible Credit card issued to the Qualified Client on or before the end of the Offer Period.
    A Qualified Client must spend a minimum of Rs 1,500/- (Rupees One Thousand Five Hundred Only) in a single transaction on any one Eligible Credit Card within 30 days of card issuance. This Offer cannot be combined with any other offer from the Bank.
    The following transactions will not qualify for meeting the spends criteria:

    ATM cash withdrawals, fee payments, transaction which is either unsuccessful or cancelled/rejected by the Bank, transactions which are followed up with partial or full reversals or transactions that are cancelled by the card holder.

    Fulfillment timeline:
    Within 60 working days from the transaction date, the Bank will send the GOQii Smart O2 watch to the registered mailing address of the Qualified Client meeting the Offer terms.

    Reply
    1. Manoj Singh

      its time to apply for SC ultimate card. But I already have 2 credit card, Visa infinite and super value titanium credit card. if I upgrade, will this offer apply as well?

      Reply
      1. DEB

        SC INDIA CHAT CONSULTANT STATED THAT IT IS ONLY FOR NEW CUSTOMER APPLYING SC CARDS

        Reply
  48. Sateesh Guptha

    In jan-2022 I have applied this on C2C basis with their tete callers. But, it got rejected. They have told that it was rejected due to loans. But, I have felt it is not correct since I don’t have many loans. Yesterday(May 15) , I have again connected to tele caller whatsapp number and asked whether I will get ultimate card or not and I told that my incremented salary is 24LPA. He said definitely it will get approved. So, I have tried again by sending my pay slip to the agent this time. He finished the application process. That’s it….. Finally:

    The card is approved !!!. Now I am waiting for vkyc. Finally the verdict is : Don’t apply this by C2C basis( The same is mentioned in the above article). If the salary is 24LPA , then the process will be smooth to get this card.

    Reply
    1. Aims

      I also applied earlier on card to card basis and got rejected. Today i spoke to customer care and told him about this and he mentioned that i can take the request and you will get the card in 1 week.
      Its actually card upgrade and not new card application is what he mentioned. I applied. Lets see…

      Reply
      1. Aims

        And i already see the new approved ultimate card in the app 👍

        Reply
        1. Aims

          Received the card today and activated it.
          The interesting things i was told by customer care
          1). This card is an upgrade to existing titanium card. And the titanium card will be disabled after 30 days
          2). Only the primary titanium card will be disabled and the supplementary card will stay active 😄 (cant believe its true)
          3). The existing reward points from titanium card needs to be consumed before it gets disabled and cant be converted to ultimate card with any conversion rate

          Reply
  49. Pratik

    Dear Satish,

    Having a Smart cc with 4L or above limit; if we apply for an upgrade to Ultimate, would the 4L limit be sufficient to apply (even if the annual income is less than 24L as per Ultimate criteria) ?

    Reply
    1. Satish Kumar Agarwal Post author

      Very good chances of upgrade. Try via INR 1 OTP authentication during online application

      Reply
  50. Kapil

    But they have worst customer support in the credit card industry if there is some issue with you or any help needed from the standard chartered then make sure you have one-two hour for every call you are about to make with customer care. also they don’t know how to deal with issue always ask to senior as well.

    So advice is go with the best always do not fall in trap of lucrative offers.

    Reply
    1. vivek

      true worst customer care for credit card
      They are my employer though still feel they are worst

      Reply
  51. Hrishikesh

    Hi I hold Mastercard variant of Ultimate for many years. But in last one year the card is denied at two lounges for access. First one was Chandigarh lounge and second one is Dehradun airport bird lounge. But both these lounges accepted my Yes bank priority first master card. Also I did not find mention of lounge access on ultimate website anymore. Have they stopped this? Would
    Like to know details.

    Reply
  52. Anubhav Sharma

    Got first statement for the card recently and wanted to enquire about annual fee as only 5k was charged. Went through this thread and got my query answered already.

    For people confused about C2C and ITR application, SC has a very strange criteria and I quote – ‘C2C application is not allowed in Delhi/Mumbai but allowed in Bangalore’. I had filled partial form and got a call from CC team who issued this card on my existing ICICI Sapphiro with 6.5 lacs limit. They refused initially for C2C as my KYC document had Delhi address but on knowing that I am in Bangalore, they processed it and within 3 days I had my card
    Strange policy but true (TIP – Confirm OTP and PIN while applying online and close the form, when internal CC team calls ask them a way around)

    Reply
  53. Abhi

    Now that mastercard ban has been withdrawn, will be interesting to see which variant will be issued now. Not just SCU but other cards also.

    Reply
  54. Pratik

    Does Ultimate card give reward points on wallet load as well?
    Also while redeeming the points for jewellry does it have an option to buy gold coins from those jewellers? As generally gold / silver coins are excluded in GV of jewellers.

    Reply
    1. Satish Kumar Agarwal Post author

      Yes to wallet load
      No to Gold coin via GV

      Reply
  55. Sai Raghavendran

    Is the SC Ultimate Visa card accepted in BLR 080 lounge?

    Reply
      1. Nikhil

        Yes, accepted on 13th august morning time! Don’t if they stopped after that

        Reply
  56. Sanju

    How to get ads on card/supplementary card for a family member ? We applied through the link, no one approaches from bank to take the application further.

    Reply
    1. Satish Kumar Agarwal Post author

      Same happened with me. Even though you are able to apply for Supplementary cards online, nothing will happen.

      Only way is to visit SC branch with both persons kyc docs

      Reply
      1. Ram

        I sent an email asking for the procedure to apply for Add on card for my wife.

        This is the reply I got

        “A primary customer can apply for an additional credit card in his own name. Both cards will share a common credit limit and be billed for in the same statement. The procedure to apply for an add on card is detailed below:

        Please log on to apply.standardchartered.co.in/credit-card

        Ø Click “YES” if you hold an existing card

        Ø Declare the card type you are currently holding with us

        Ø You will be guided to do a transaction for INR 5.00 on the card to authenticate your request

        Ø Once applied, the system will also prompt you the status of the request whether the request is successful/failed

        On a successful attempt; your request for add-on card will be processed within 7 working days.”

        Now I’m confused. Will they not issue Add-on cards on individual’s name? How will they get OTP’s to their mobile number?

        This seems like I’m applying for two cards but not for Add-on cards as done by other banks.

        Reply
  57. Hari

    Siddharth, SCB has launched ease my trip co-branded travel credit card.

    Reply
    1. Satish Kumar Agarwal Post author

      I suppose, it’s 3 years from earn date

      Reply
      1. Mahadev

        Not anymore Satish ji. There is some tweak. I lost 2700 rewards points on 30Jun2022. When I asked SCB helpline, I was informed that 6 months since year earned is the validity of rewards points.
        I am little confused with this logic.
        I have SC Ultimate since early 2019.
        This is first time I noticed something like this.

        Reply
        1. Sudheep

          “For Credit cards, points expiry for is 36 months from the date of issue of points.

          For Savings Account/Debit cards, Reward points earned in the period of 1st Jan to 31st Dec will expire on 30th June of the subsequent year”

          this is what SCB Website says.

          Reply
  58. Shree Vardhan Mundhra

    I am an SCB HNI customer. They don’t waive the annual fee. What they do is give you around 5000 points instead which you can redeem at 1:1 for any of their redemption options.

    Reply
    1. Pavan Krishna

      Is 5000 rewards points just for the second year or for every year when we pay annual fee we get those 5000 points ?

      Reply
      1. Anupam

        Every year on renewal you get 5k points on paying annual fee + GST

        Reply
    1. Anupam

      Mostly gift cards, hardly ever you will find Amazon GC. Croma, Shopper Stop, FabIndia, Westside etc

      Reply
      1. Prashant Gupta

        I have always redeemed for Croma when i have many points. Best value for money.

        Reply
      2. Satish Kumar Agarwal Post author

        For couples, if wanna become happy in life, those Bluestone/ Joyalukkas/ Senco/ Kalyan Jewellers/ Tanishq GVs are best choices 😀.
        Even Amazon GVs will pale in front of above GVs.

        Reply
  59. Kaustubh Barve

    I applied on the website and entered salary below the minimum required and it was promptly declined. Later a RM called me to verify the salary verbally and informed me that I am not eligible. However I informed him that I have an AMEX with 4Lac limit, he said they said that Pune is not eligible for C2C but asked me to send statement nonetheless. Later he called back and said he will get product approval and asked me to complete the application and VKYC. The card was then approved within hours of VKYC, yet to receive it so not sure about the Limit and Master/Visa variant. No prior SCB relationship or cards, also this will be my first card on the Infinite platform

    Reply
  60. Rahul

    I have applied for the card with VKYC done on Saturday. Lets see how long they take to approve and deliver the card.

    Reply
    1. Rahul

      Funny thing SC customer care status check says invalid input.

      I dont know how it can be invalid if all the steps including Vkyc is complete

      Reply
  61. Rahul

    Got the card today.. Fast considering just two days it was saying invalid input

    Reply
  62. Mani

    Hi I have recently got this card. But the card was sent to my Aadhaar address where I was residing while applying but got shifted to different location in same city. The courier person said they won’t deliver to old address since I don’t reside there and asked to talk to the bank where it will be returned . I don’t have any prior relationship. Can someone please help on how to proceed further for delivery of the card ? Thanks

    Reply
    1. Anshul

      You can update the office address to your new residential address through internet banking. And then make the communication address as office address. Then block and replace the card. It will be delivered to your new address.

      Reply
      1. Mani

        Thanks for the response Anshul. There were three addresses – Residential, Office and Permanent. I have actually changed the permanent address to the new one and also gave permanent address as option for mailing address. I will try reaching out to customer care or bank to deliver to this address.

        Reply
      1. Mani

        Thanks Anupam for the reply. Yes I have tried to call but couldn’t proceed to flow which would trigger directly talking to CC. Any inputs on that would help ? Also are there any phone contacts for branches directly. I could find email contacts but not for phone.

        Reply
        1. SS

          Try this 1860 500 1111
          Select language and validate the info again and goto credit card , listen all the detail then you will get option to speak with cc

          Reply
          1. Mani

            Thanks for the reply SS. I was able to reach to 040-66014444 and they have accepted the request to deliver to the new address.

        2. Anupam

          I think on the call first you have to choose language, then select option 4 and then option 9 to speak to customer care.

          Reply
          1. Mani

            Thanks anupam again for the help. Yes i have followed the same and also set the tele pin for the card. They have accepted to send it to new address

  63. Deepak Kumar

    If u have updated new address in aadhar then update records in bank and then card will be delivered to your new address. Second option is that call customer care to deliver this card to your nearest bank branch and take it from there.

    Reply
    1. Mani

      Thanks Deepak for the suggestion but haven’t updated aadhaar yet. But I was able to change permanent address and made it mailing address. I am hoping to request delivery to this without blocking and replacing since that might be waste of plastic and also incur charges. On that note, can anyone please let me know the charges for the replacement ?

      Reply
  64. Akash singh

    Just go to local office of courier and collect from there by showing tracking sms and id proof, have collected multiple times like this from india post, bluedart and delhivery.

    Reply
    1. Mani

      Thanks for the suggestion Akash. The issue here was the delivery executive said they will return to the bank branch. Also the new location is quite far from the old location. So wasn’t sure if it will be available at the branch even if I travel there. Anyhow they have taken the request to deliver the permanent address which is the new one. Thanks again everyone for the help. And thanks sid and sathish for this platform to sharing the experiences and helping each other.

      Reply

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