New Launch: Standard Chartered Ultimate Credit Card Review

By | September 19, 2017

Standard Chartered Credit cards are recently known for its high approval rate in the industry, but that comes with a downside. Most SC credit card holders i know have very low credit limit, for ex: my friend has 2 SC cards with shared limit of Rs.20k for past 3 years!!

Whatsoever, SC has finally decided to bet on high Annual fee Premium Credit card for HNI & affluent segments with a really catchy design. Standard Chartered India on Sep 15th, 2017 launched its “Ultimate” credit card that works on Visa Infinite platform.

  • Joining/Renewal Fee: Rs.5000+GST
  • Welcome Bonus: Rs.10,000 Cashback
  • Renewal Benefits: 5000 Points (Value: Rs.5,000)
  • Eligibility: ITR 24L p.a / Existing SC CC limit of Rs.3 Lakhs

Standard Chartered Ultimate Credit Card (India)

I would love to get this card just for its stunning looks. Won’t you?! I hope it looks same as we see on image and not disappoint like My YES first Preferred credit card. Well, lets dive into the actual benefits.

Standard Chartered Ultimate Credit Card Benefits:

Welcome Bonus:

  • Rs.10,000 Cashback – on spending at MakeMyTrip(MMT) Hotels
  • This Offer is valid only for the first transaction on MMT.
  • Applicable one on MMT Hotel Bookings
  • The cashback amount will be the transaction amount (or) Rs 10,000 whichever is lower.
  • Fulfilment: 60 days from the date of travel/stay.

To avail the Rs.10,000 Cashback, you need to spend Rs.10,000 or more on Makemytrip, on hotels/flights category. Nice deal indeed.

  • Tip: You can make best use of it when you spend on international hotels or maybe to book high end hotels in India that costs to this level.
  • Caution:  Ensure that till your first stay is completed & cashback credited to your ac, don’t make any transaction in MMT as it will land you in the trouble. Refer Comment

Reward Points:

  • 5 reward points on every INR 150 spent
  • 1 Reward Point = Rs.1
  • Reward Rate: 3.3%

This is still surprising part for me. I’m not really sure as to whether they have any catch in this part, if not, this card stands in par with HDFC Infinia & HDFC Diners Black. Infact, its better than those two, considering SC has ability to redeem for gift vouchers, including but not limited to Amazon Gift cards.

Airport Lounge Access:

  • Visa infinite: 4 Visits/Qtr
  • 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.

The concept of spend based complimentary visits on Priority Pass is really a great idea that SC follows. But i would rather wish if they had put it as “yearly” spend with yearly complimentary visits. Limiting to 1/month on such a premium card doesn’t look good.

Other Notable Benefits:

  • Dine-out Offer: Up to 25% discount* at top 250 restaurants in India
  • 2 complimentary Golf games per month & more
  • 5% Cashback on duty free spends (not clear)
  • Discounts on yQ (Meet & Assist), Hertz & Avis
  • Hilton Honors Gold status with 4-nights stay / Fast-track
  • All other Visa Infinite Privileges

Dineout Offer & Hilton Benefit seems to be a good one. Everything else just seems to be added just to mention a “benefit” and less of a value. You can also avail Bookmyshow Visa Infinite Program Offer.

  • Editor’s Rating: 4/5 

Bottom Line:

As most premium credit cards are designed for travellers, this falls in same category too. Its a go-to card if you can spend on MMT Hotels, so you can get maximum value out of it. Even if you don’t, you can get good returns due to high reward rate across all spends.

While some benefits are not clear, we might know more in detail in coming days. I’ll keep this article updated as and when i know more. Do follow CardExpert Facebook Fanpage to be notified of any further updates on SC’s Ultimate Credit card.

Whats your take on Standard Chartered’s new Ultimate Credit Card – Like or Dislike? Do share your thoughts in comments below.

Thanks to Shrey for spotting it!

338 thoughts on “New Launch: Standard Chartered Ultimate Credit Card Review

  1. Prashant Gupta

    I hope they give it under LTF offer or annual fee reversal offer. Then it can be a perfect secondary or infact the main credit card to use.
    I have a offer for SC infinite card under LTF, but dont find it to be that good in terms of features.

    Reply
    1. Siddharth Post author

      They may reverse annual fee based on spend but considering its reward rate, LTF might be impossible.

      Reply
    2. Anup

      Congratulaions !!!! Since you have the LTF for infinite, you will get this card for LTF . refer sc website the FAQ section under this card.

      I need to have 3L in my existing Manhattan card, which is unfortunately 72K less. And even though I may not get LTF.

      Reply
      1. Himanshu

        I Was able to get this card based on my HDFC regalia credit card. (I had surrendered my Manhattan because of less benefits). Anyways, the only set of questions and answer are as follows:
        Q. What all credit cards and since when do you own?
        A: HDFC Regalia (6.5 yrs), Amex Gold (4 years).
        Q. What is the credit limit on your card.
        A: HDFC (7+ L), and Amex is the charge card, so no limit.
        Q. How much of the credit card limit have you used.
        A: 10-15% this month. (And I had to submit the bill)

        That is all, no other question asked, and the card was delivered to me within 4 days.

        Reply
  2. valliappan

    Dine out offer does not cover even chennai. And 5k renewal fee seems high with no renewal points or benefits! i don’t know if anyone can reap benefits beyond the renewal fee !

    Reply
    1. Siddharth Post author

      Indeed, no one is going to pay 5k renewal fee, for nothing.

      Their retention team should help for renewal, hopefully 🙂

      Reply
      1. Hari

        Their retention team is good. Perhaps the best after AmEx. I wanted to close all 3 SC cards that I have. First they coverted the Manhattan card to LTF. Then, they credited 1500 RP to two cards and 500 cash back on the other card.

        Reply
        1. Siddharth Post author

          Sounds good!
          Even a quick mail seem to help on reversal of charges when something goes wrong.

          Reply
  3. Amex Guy

    Hilton Honors odder is a Visa Infinite offer that’s available on their free Infinite card as well. It is 4 nights or 2 stays to Gold. So it’s actually just 2 nights in different hotels, on non-consecutive dates, for the frugal. 🙂 The offer works, I got it on my DBS Treasures Visa Infinite debit card.

    I don’t get this card. My Emirates card gives 2 PP visits on 10K spends in previous month. It has same 5% duty free offer, has more lounge accesses and Golf games. If I use for Business Class, Emirates gives 6% returns, 7.5% if used for First class upgrades. Emirates also has double dip offer with both Hilton and SPG.

    For all intents and purposes, the way to get best value out of SC is still to get a high limit Emirates card and get a free Priority Infinite card as add-on (shared limit) to get Visa Infinite offers. Unless there is an MMT trip coming up, and you’ve never used MMT before.

    Reply
    1. Siddharth Post author

      You seem to be the Stan C. expert around 🙂

      That’s all true. This card works only for travellers. I personally could make use of it only on Intl. hotel booking as domestic hotels are way cheaper when booked 1 at a time.

      SC could have done it better!

      Btw, can you please share more about the “double dip offer with both Hilton and SPG.” ?

      Reply
      1. Amex Guy

        For every dollar you spend in Hilton and SPG hotels, you earn an Emirates mile too. So for people who prefer these hotel chains and have an Emirates card, would be earning as much as 9 miles/150 rupees spent at these hotels, in addition to their hotel points.

        That’s around 10% value back as Emirates business class upgrades, in addition to hotel points which they will be earning just like usual.

        Reply
      1. Amex Guy

        You need an NRV of 20L and above to qualify for DBS Treasures. They also have an option of Treasures account at 5L NRV now, but that’s not really the same thing, as you don’t get any existing Treasures benefit, including Visa Infinite card.

        I think DBS (along with Deutsche) offers pretty good private banking services for 20L NRV, which is very low for what they offer. Citi and HSBC require minimums of 75L and 40L respectively for access to same class of wealth managers.

        Reply
    2. A Gill

      Can you please advise, if the skyward miles earned with the Emirates card have any expiry?

      Reply
      1. Amex Guy

        Yes, unlike some programs, Skywards doesn’t have any special treatment for card-earned miles. They expire in usual 3 years.

        Reply
    3. Q

      Hi Amex Guy,

      I have been offered one of the below cards for no Annual Fee
      1)Standard Chartered Ultimate
      2) Standard Chartered Emirates World
      3) Priority Banking Visa Infinite

      Which one would you recommend? I currently have an Amex Gold and will get one of HDFC Infinia or Yesbank First Exclusive.

      Reply
      1. Aman

        Hi Q

        You should easily go ahead with Ultimate if your spends are not travel centric (emirates & hotels- if they are then, as Amex guy mentioned go for Emirates world card). Else 3.3% rewards redeemable in Amazon is too good to pass as Amazon Pay is soon aiming to grow into PAYTM type app (as good as cash with cashbacks).

        Btw how did you get them to offer it to you LTF? High Bank Balances?

        Do let us know.

        Reply
        1. Hari

          Amazon Vouchers & MMT INR 5000 Open e voucher are already missing from the list.

          Reply
    4. Aman

      Hi Amex Guy

      What is the reward rate on this emirates card for other spends in India like utilities, travel (on OTAs) and other categories?

      Which SCB / Citi / any other card is best? And why? Do they ever waive joining & annual fees?

      Thanks in advance.

      Reply
    5. Sharathkumar Anbu

      Hi Amex Guy,

      I actually don’t understand how are you arriving at 6% returns from Emirates business class flight.

      I was just checking flight ticket price of business class flight from Chennai to Dubai (Return journey).

      Actual flight ticket price is 1,30,000

      Base fare is 70,000 +

      Carrier imposed charges and Taxes come up to 60000.

      As far as I have read in their websites, carrier imposed charges and taxes need to be borne by the passenger.

      In such case, 75000 skyward miles required for redemption is equal to 70000 rupees which will make the value less than 1 rupee.

      Even the earn rate is 4 skyward miles is which is approximately 2.33% reward rate considering above scenario.

      Please correct me if I am wrong.

      Reply
  4. Hari

    A minimum credit limit of INR 300,000 on existing SCB card required for upgrade to Ultimate.

    Reply
    1. Jay

      where did you this info? I have Landmarks Card, Super Value Card and Infinite Card.. I don’t know which one to upgrade now.. Sid any help ?

      Reply
      1. Siddharth Post author

        If its me, I would replace landmark card.

        Btw, 2L-3L is the range for their infinite/Ultimate card usually.
        Isn’t it in that range on your infinite card?

        Reply
      2. Hari

        For existing customers, while applying online, you get a drop down Menu. Choose the Ultimate card and you will find the eligibility criteria there

        Reply
        1. Siddharth Post author

          That link was not there when the article was posted. I see all their pages is finally updated with shining ultimate card.

          Reply
  5. GOVIND DHANUKA

    Renewal Benefit is 5000 points that compensate charges…Taxes we pay extra but @ 3.3% reward rate it’s worth I think…

    Reply
      1. SHARAD

        On talking to the customer service team, they mentioned that even for joining fee of 5000, we get 5000 points. So it seems like a pretty good offer (5000 points + 10,000 makemytrip offer).
        Can someone else also confirm?

        Reply
        1. Siddharth Post author

          I doubt on that. Call them again and verify, or request to talk to supervisor 🙂

          Reply
          1. SHARAD

            You are right, they are now saying makemytrip benefit only whereas I was told earlier it was with 5000 reward points on joining as well. My bad!!

  6. Jay

    Looks like they will replace my free infinite card instead of other card if i choose to upgrade. As in the FAQ they have mentioned this.

    I am already on the free version of the Visa Infinite card- can I upgrade to the paid version?
    Yes, you can, please call Phone Banking for the same.

    Reply
  7. Mohan

    I have 6.8L on my existing SC VISA INFINITE Card, i asked them for upgrade today and Card will be coming soon. I check with MMT offer, we don’t need to spend 10K on MMT inorder to get the 10K Cash back, no minimum value required.

    Regarding joining fee, as it’s new Card, customer representatives also doesn’t have full details, they may reverse some part of it after the first statement …. but not sure …. may be possible !!!

    Good part of it is, they convery existing rewards to 3:1 to Ultimate rewards, which seems more value rather redeem for AMAZON gift vouchers.

    Reply
    1. Siddharth Post author

      Yes, You can spend less, but you get most value only on spending 10k

      Reply
  8. R MUTHU MONICKAM

    Dear Siddarth
    I am a great fan of Cardexpert.in.. It become habitual to me that i have a one definite visit to this site before sleep as well as morning wake up. Thank you so much to keep us excited and be updated always.
    I am having Manhattan since 5 years having limit 2.6L. My monthly salary is 116k. I talked to customer today for upgrading to Ultimate. They were unable to offer me the up-gradation and quoting the minimum criteria for Ultimate is 3L on the card and 24L salary per annum.
    Your suggestion please…

    Reply
    1. Siddharth Post author

      Ask for limit enhancement first so you will jump to 3L+ limit. Then ask for upgrade 🙂

      Thanks for your kind words. Do visit again!

      Reply
      1. Amex Guy

        Actually with SC you can ask for enhancement in process of applying an add-on variant. Just tick “consider limit enhancement” option on Ultimate add-on app. 2.6 to 3L seems like an easy upgrade.

        Reply
  9. Hari

    Siddarth,

    INR 10000 cashback is for both Travel and Stay booking on MMT. Confirmed with the CC.

    Reply
    1. Siddharth Post author

      But they’ve clearly excluded most “tarvel” categories in conditions.

      Reply
      1. Rahul Jain

        Hi Siddharth,

        The offer mentions:
        “The Offer is valid on hotel bookings only for a period of 1 year from the date of booking.
        This Offer is not valid on bus, railways, cabs and holiday bookings.”

        To my mind, it effectively means that while you cannot book bus, railways, cabs and holiday on MMT for cashback, you can book flights or hotels. In case you book hotels, the offer will be valid if the stay period is only one year from the date of booking.

        I confirmed with their call center. They have said that flight bookings are eligible for the INR 10,000 cashback. I have already got my hands on the same, planning to use it and check within the next 1 month 😉

        Reply
  10. Abhishek Roy

    They have mentioned in their terms and conditions that there is a 2% mark up fees on foreign transaction. Actually that is not true. They will charge you 3.5% as mark fees when you will make the payment. Later on they will reverse 1.5% mark up fees, effectively making the markup fees as 2%!! They ave also mentioned that since they will be issuing cashback of 1.5% hence those transactions are not eligible for Reward Points. Hence you get actually no value on spending in foreign currency with your card. I am quite sure that even though they’ll reverse the 1.5% mark up fees but they’ll not reverse the extra taxes that they’ll charge on that 3.5%. So effectively, you pay more than all High value cards like Infinia, Diner Black, Yes First Card and Citi Prestige. You end up paying more mark fees considering the non reversal of the taxes on that extra 1.5% mark up fees and you will not get reward points on those transactions. I’ll stay away from this card. It’s not of much value to people like me who already have good cards. There is no scope for Annual charge reversals too in comparison to Diners Black which allows reversal on spends over and above 5lakh/year.

    Reply
    1. Siddharth Post author

      Well, that’s true. Their markup fee concept is a joke, which is why i didn’t even bother to mention about it in the article 😀

      Reg. annual fee, the renewal benefit is good enough. This will serve only for travelers with high spends so they can divert few spends here too as 3.3% as amazon vouchers is better than Yes Exclusive & Infinia/black without considering 10x/5x!

      Reply
    2. Malakar

      “They ave also mentioned that since they will be issuing cashback of 1.5% hence those transactions are not eligible for Reward Points.”

      Hi Siddharth, Abhishek,
      Thanks for pointing out the critical difference. The above statement is still not written in the terms and condition, but still I would to believe that is true. And if that is the case, AMEX Platinum and HDFC Relagia is a better combination than this card. I already have Manhattan btw.

      Reply
  11. KK

    I hold their titanium cashback card with limit above 5 lac. Is that the only eligibility criteria, or income also needs to be above 24L in addition to that?

    Reply
  12. ND

    Thanks for posting this Sid.
    Got my card approved automatically! Let us see how fast they turn it around…

    Reply
  13. Kaps

    Hello Siddarth,
    Thanks for your blog, it is very helpful for credit card users.

    Regarding the Standard Chartered Ultimate Reward Card,
    I will have to pay for the transaction on MMT and then after 60 days the cashback will be credited to my account.
    So this mean first, I will have to pay ₹5900 for SC card (Joining Fees +GST) and then ₹5000 for MMT hotel cost, to get ₹5000 cashback after 60 days.

    This means I have lost my joining fees. Am I missing something here.

    Reply
    1. Siddharth Post author

      Yes, but you got a hotel stay 🙂

      Spending 10k gives good value. Works only for actual travelers.

      Reply
  14. Praveen Perumalla

    Where did you find 24L ITR Requirement? I didn’t find it on their website.

    Reply
    1. Hari

      Click on apply – Under “Fee Details and Waiver” you have that information.

      Reply
  15. Prashant Gupta

    I have a landmard card for last 10 year, never bothered about limit. I have applied for free visa infinite upgarde with limit enhancement. Can apply for ultimate now. My spends are concentrated on black and yes prefered as of now.

    Reply
  16. GOVIND

    Hi Sid I have diners premium for 10x spends…..
    Standard titanium 2.5lac limit for petrol and utility
    Citi premier mile and sbi prime……should I go for ultimate by replacing citi or sbi prime or even upgrading titanium plz suggest

    Reply
  17. Tapobroto

    Hi. The Rs 10,000 Cashback on MMT is applicable on flight bookings as well.

    Reply
    1. Siddharth Post author

      I’ll get this checked.

      Meanwhile, other guys who applied for this card, pls do update us what the support team is saying on this.

      Reply
      1. Hari

        Checked with them again today and was told both Hotel & Flight bookings on MMT are eligible for cashback.

        Reply
      2. Jay

        No update on the card upgrade request. I guess they won’t categorize the type of booking on MMT as it shows same merchant name for hotel or flight booking.

        Last time it was just a day turn around time as I had got the card sent very next day of the request for Free Visa Infinite card.

        Reply
      3. Kunal

        I booked air ticket on MMT and got cash back in 40 days to my account

        Reply
        1. Kiruba

          Hi,

          Is the cashback into your credit card account or MMT WALLET?!

          Reply
    2. Rahul Jain

      Hi Tapobroto,
      I believe you are the Director of StanC Cards team who launched the Ultimate Credit Card 🙂
      Thanks for the update for cards 🙂

      Reply
  18. Sulabh Gupta

    Can the MMT voucher be used along with discount codes? If not, then Hotel booking is probably not going to be worth it.

    Reply
    1. Siddharth Post author

      Yes, you should be able to, as they have no restriction clause on that.

      Reply
      1. Sulabh Gupta

        Ok I guess you’re right since this is being done through a cashback and not a gift voucher.

        Reply
  19. RAHUL BANSAL

    My application for this card rejected today, it was an upgrade request but they rejected it without giving any reason, although i fulfilled criteria for same. 🙁

    Reply
    1. Deepesh

      if you an existing Satandard chartered credit card user, limit on existing card should be 3L+
      and Annual ITR should be 24L

      Reply
    2. Amex Guy

      That is very odd, in my experience an add-on application is approved instantly and you get the card in 2-3 days. Did you also apply for limit enhancement? Share your existing card details so people here can help. It will help talking to customer care to straighten it out.

      Also, there is no such thing as upgrade request in SC, you apply for an add-on variant, which shares existing credit you have with the bank. I’m not sure if you can cancel base card after getting add-on, effectively having an upgrade, because I have not tried.

      Reply
      1. Hari

        I have 3 SCB cards with a shared limit. I requested for the Ultimate card. They asked me if I wanted it as an add on card or as an upgrade. I chose to upgrade my Platinum rewards card. I received the Ultimate card and my Platinum rewards card stands cancelled now.

        Reply
  20. Ajay

    Hello Sid,

    First, thank you for very much for your efforts. I’m also a credit card freak. Even maintain an XLS in which I have noted how much worth rewards I redeemed till date for my 6 CCs 🙂

    Applied for this card on limit basis, after reading your post. Inquired about MMT offer of 10K Cashback. Got verbal as well as written confirmation from SC team that its valid for both Flight & Hotel bookings. Following is the reply from SC Team :

    “This is with reference to your e-mail dated 21 September 2017 regarding ultimate credit card.

    Please note that the joining offer of cashback of up to Rs 10,000 is only valid:
    Ø On the first transaction on Make My Trip by the customer ( No minimum transaction size required)
    Ø The transaction should be within the first 90 days of card issuance
    Ø The cashback will only be credited to customers who have paid the joining fees of INR 5000
    Ø The cashback will be credited within 60 days of the completion of the date of travel / stay

    Note:
    1. Joining offer is not applicable for supplementary card holders
    2. Joining offer is not valid for renewal benefit. “

    Reply
  21. Jay

    Got my card approved and they say I can hold this card too along with the Landmark’s card. So totally 4 SCB Cards I will be holding now. I should get the card in next 1-2 days.

    Reply
  22. Hari

    Got my card approved. I was told the due date for delivery of the card is 3rd October. But, I am expecting it some time next week. Will update once I receive it.

    Reply
  23. SHARAD

    Finally got the new ultimate card. Packaging was not that great and came in standard letter envelope. However, The card is really good and flashy (gold and black design) and of good quality, totally unlike yes bank cards. Also, received a priority pass and dineout plus card with it . The dineout plus card will give 25% discount at major restaurants across city and ipart of dineout plus company (dineout.co.in/plus) . It needs to be registered and will give 5% extra cashback on to the ultimate card.

    Reply
  24. Jay

    Received Card.. It has Dineout Plus Card and Priority Pass Card attached along with the Ultimate Card.

    Reply
    1. Kallol

      I received the ultimate card fee days ago. First month statement is also generated. It is Rs 5000. I do not find GST amount. If the renewal fee is also exactly Rs 5000 then that will be fully compensated by renewal benefit. So no fear of loosing GST Rs 900.

      Reply
      1. Hari

        It will be charged. Wait for a few days and check your statement. It will be charged in the next statement. Same with me.

        Reply
  25. MOHAMMED ABDUL WAHED

    He’ll everyone,
    I have one doubt that if i close my hdfcbank account from that i got moneyback credit card recently,It will effect that for availing life time free card upgrade offer in future and limit enhancement.

    Reply
  26. Mohan

    Received Card on 09/21,looks good. Now I’m going to cancel my SC priority Card.

    Reply
  27. Rahul Singh

    I am. An existing SC customer. After two days of negotiations with bank executive, I conclude following:

    For existing customer, we have to wait till limit increases to 3lacs. So let’s wait for a year or so.

    For new customers, income limit of 24l plus 20l relationship with bank as per terms and conditions (haha).

    So, I have given up despite fulfilling income criteria after explaining three four different executives and supervisor.

    Anyone with different experience?

    Reply
    1. Suresh

      i dont have any relationship with the bank. applied through salary slip and got the card with 5Lakh limit.

      Reply
  28. Shalabh Agarwal

    Ok – I recently got their titanium card with more than 3.5L+ limit – probably a month back – Will it be good to upgrade it with this card – on C2C basis – my current card is LTF – will that be available on the Ultimate card as well? Or it is payable?

    Reply
    1. Rahul Singh

      @Shalabh Agrawal

      Was your card recently issued? Or is it an old card with 3.5L limit?

      Reply
      1. Shalabh

        @rahul bhai

        Recently issued card a month back – first month bill 200 Rs. Not doing much transactions on it as I hold HDFC Diners Premium ( which again I use pretty often after devaluation) but I managed to get CitiBank Premier Miles card for earning jet ( So I book most of my spends there now).

        Reply
  29. dhanush

    got my card today when i applied by doing 1 INR transaction on existing standard chartered card.
    Siddharth – question for you.
    1) Booklet doesnt contain any fee structure – So it this card LTF for me as my previous infinite card was LTF. Nobody called me before processing
    2) about PP – Does my spouse also get PP and if i spend 20K in previous month do both of us get 1 visit each in next month
    3) add on card – Any idea how to get add on card. Netbanking has no option to order from there

    Reply
    1. Saugata Halder

      You got the card on the same day that you did the Re 1 verification? That is pretty quick.

      Reply
    2. Rahul Jain

      Hi Dhanush,
      Just trying to support Sid here..
      1. The joining fee is INR 10,000 and renewal fee is INR 5,000. THe processing is auto-approved from your end once you take the Re. 1 transaction.
      2. The TnC specifically mention the PP access would be on the respective card on which INR 20K was spend in the previous month. So to get access for both, you need to spend INR 20K on your card as well as the Add On Card in your wife’s name.
      3. Add-On card option can be taken from their form center. Search for ‘Supplementary Credit Card Application’ and you will find it.

      Reply
    3. Dipankar Dutta

      Got my card last month in the similar fashion; when received the statement yesterday I found a joining fee of rs. 5000/- no GST added… surprising !! Have mailed the customer care for the reversal; no reply yet.

      Reply
  30. Tushar

    Can anybody help me with Priority pass feature on this card. I am slightly confused. At one point it says that visits to PP lounge are chargeable and then it also mentions about complimentary visit if your monthly spends in previous month exceed 20K. So will i be charged $27 or not.

    Reply
  31. ravikiran

    5 reward points for every 150 spent is valid only on Dining and overseas. Rest of transactions is 2 points for Rs 100 spent.

    Reply
      1. ravi kiran

        it is there in stan chart website. not only that MITC is silent about fuel surcharge waiver. it says 1% surcharge applicable

        Reply
          1. Ankur Jain

            Hi Hari,

            Can you also detail out what are the available options to redeem points for ultimate card?

          2. Hari

            Ankur,
            You can redeem for vouchers of Amazon, MMT, Flipkart, Myntra, Nautika, cleartrip, Genesis, Gant etc to name a few.

    1. Saugata Halder

      Is this true? Actually they have said categorically that the 5 RP is valid on all transactions, except the overseas ones (due to 2% forex fee instead of the usual 3.5%)..see below:

      Max cashback of INR 1000 per month
      The cash-back will be credited to the Cardholder card account within 60 days of transaction date
      All overseas transactions are levied with a 3.5% transaction fee. Cardholder is eligible for a cashback of 1.5% of the transaction amount on the overseas transactions. The cash-back amount effectively reduces the forex mark up charged to 2%.
      Cash-back transactions will not earn reward points. Only transactions where the merchant is registered as a duty free vendor will be considered for cash back.

      Reply
  32. Prateek

    Any other better card available in terms of rewards? I have tried Amex Platinum, Citibank Premier Miles in past and am currently using Diners Black.

    Reply
    1. MANOJ SINGLA

      Go for IndusInd Pinnacle card. 2.5% Flat on online spends even Wallet add money or insurance.
      Rewards can be adjusted in next bill in cash credit

      Reply
  33. Akhil Suresh

    the MMT cash back is applicable on flight bookings as well, confirmed over phone and email.

    Received the below mail:
    Ref: 09/17/075032

    Dear Mr Suresh.

    Thank you for your time.

    As per our telephonic conversation we wish to inform you that 10,000 cash back offer is applicable for the first transaction including the flight transaction on MakeMyTrip made within the first 90 days of the card issuance.

    Please write to head.service@sc.com for any further clarifications.

    Yours Sincerely,

    Musaddique Khan
    From the office of Head Service

    Reply
  34. Saugata Halder

    How are they going to give you the 3.3% back? The literature says that one get 5 RP on every Rs 150 spent and that the maximum benefit is 1 rupee for a 1 RP. But how is the pay back? In what form? Is it a simple cash back like the Manhattan card or is it redemption of gift vouchers at Amazon or Flipkart?

    Reply
    1. ND

      That’s a good question as currently SC rewards redemption is pretty poor (read: unattractive) based on current RP earn rate. Also, SC RP are for life and they have common platform for RP structure for multiple cards you may hold, there is no bifurcation of 1 RP = 1 Rs, all their RP carry 0.25 Rs. So it would be interesting to know how they are going about this Ultimate card.

      Reply
      1. Hari

        The validity of RP for Ultimate card is 3 years. You have Exclusive tab on the rewards page for redemption of RPs acrrued on the ultimate card.

        Reply
        1. Ramesh Kumar

          Hari,
          You mentioned, it’s exclusive tab for ultimate points redemption, can you explain bit on what are the available options to redeem ultimate reward points?

          Reply
          1. Abhinav

            Hi, the exclusive tab gives you card redemption options through gift / discount vouchers which are at 1RP = 1Re. Stores /merchants which are offered include Croma (my favourite), Makemytrip, cleartrip, hidesign, and many others. Its pretty good and useful. Had over Rs.10,000 points available, used the coupons for buying a new AC at a discount.

  35. Mukund

    Hi,

    The problem with SC is that most of their customers become victims of international fraud transactions. So I am afraid, if something like this happens, I’ll put myself in great trouble.
    And unfortunately, only SC CC customers are victims of such frauds. They cheat their customers by sharing card details I guess. This is not good at all.

    Reply
    1. ND

      Not true… SC is known to be a strong bank and earliest entrants in India. Do your research well before claiming anything of these sorts… I am a SC customer (debit and credit) for last 10+ yrs and have not faced any sort of fraud or fake transactions…

      Reply
    2. Murali

      I have been using SC Cards for more than 15 years and whenever I use card outside of India and If SC feels that my card details compromised.. SC used to call me and replace with new card. I have not heard about fraud transactions of SC card

      Reply
    3. Mukund

      I am myself a victim of fraud transactions twice. My friends were also victims of such International frauds.
      I never used that card to do any transactions online. Be it domestic or international. Also, I always hide the CVV number with the help of permanent marker.
      Now, if I had never used the card to perform online transaction, how did the details got compromised?
      I use my HDFC Regalia card for carrying out any transaction over the Internet.
      I decided to use HDFC CC to carry out transactions over the internet after reading the above post.

      Reply
    4. Doney

      Mukund, you are right. I’m also a victim of international fraud on SC credit card. One Sunday night, I lost all my credit limit on 10 transactions on different currencies (mainly US,UK and Germany) in a time span of 15 minutes.In the morning,I saw 21 sms on my mobile – 10 for OTP, 10 for successful transactions and the last one sms informing me that my whole credit limit got exhausted. I blocked my card (no point as whole limit is gone) and raised complaint to SC customer care.To my surprise, they were not ready to accept any mistake from their side and told me I only made those.I thought for sometime and then dial police helpline number 100 and they advised me to go to Police commissioners office and register complaint there.I went there and met deputy commissioner who is handling the Cyber cell and lodged a written complaint there.They started following up with the bank. Even I started looping cyber cell email id on all emails to SC. They asked me to fill a dispute form and I sent to them. Finally after some 60 days of fight, my credit card bill got waived off.

      Reply
  36. suresh

    Can it be applied through card to card basis and if yes, what should be the credit limit to get this one ?

    Reply
    1. Amex Guy

      I’d venture at least 4L. SC typically gives 85% of existing limit to HNWs, around 75% to others, provided it does not go over 20% of your annual salary. I don’t know exactly how they define HNW, but if your existing card company declared your income over 30L per year on CIBIL, you get at least 85% of current limit, AFAIK.

      Now, since this card requires a minimum credit line of 3L with SC, you need at least a card of 4L limit. I’d say be 5L and above to be safe. Of course, a salary of 20L+ declared with existing card company might be a requirement.

      It’s worth giving a shot if you have any premium card. SC can be very aggressive in approving cards when they want to.

      Reply
  37. Hari

    Siddarth,
    There seems to be some discrepancy as for as RPs are concerned. When you compare the cards on their website, it shows different reward system. While in the details of the Ultimate card it says 5 RPs for every INR 150 spent. I checked with the CC and they confirmed 5 RPs for INR 150 Spent. In reality, they are giving 5 RPs for INR 100 on some categories and for all others it is 2 RPs for INR 100. Will check with them again and keep you posted.

    Reply
    1. Hari

      Riased a complaint with the bank and they have resolved the issue. Now I am getting 5 RPs for every INR 150 spent. For a spend of INR 430 I got 14 RPs.

      Reply
  38. Kallol Nandi

    Website mentions both annual fee and renewal fee. Are they same? Or renewal fee will be applicable at the time of renewing the card after 5 years whereas annual fee will be applicable ever year? Also only renewal fee has equivalent bonus reward points.

    Reply
    1. Hari

      It’s Joining Fee and Renewal Fee. You need to pay INR 5000 + Taxes every year. On paying the joining fee you get the MMT benefit and renewal you get equivalent RPs.

      Reply
  39. Ajay

    1st statement generated. Joining Fee is 5000 Inclusive of GST. Yes there was some calculation mismatch in calculating Reward points. Customer care added right points in 5 working days. Hopefully SC will correct the calculating logic of Points for this card. BTW, gorgeous looks of card 🙂

    Reply
  40. Hari

    Siddarth,

    Both Primary and add on card holders get free domestic lounge access – 4/qtr – courtesy Visa.

    Reply
  41. Prashant

    is AADHAR compulsory for new application for SC credit card ?

    how is SC credit card in limit increase department ?

    Reply
    1. Amex Guy

      Nowhere close, but it depends on what you want. High end dining, this is leaps ahead of Prestige. If you want to hoard miles, there is no card on the planet that can beat the Indian version of Prestige, barring short-lived flash promotions. If you stay at 5-star hotels, Amex Platinum is where it’s at.

      This isn’t really pitched to be a super premium card (even though it matches them in reward rate), it’s really a great replacement for Regalia and Prime cards. Because it doesn’t come with other privileges that come with super premium cards. Most privileges of this card are restricted to India. Can’t really compare a 50K card with 5K card. 🙂

      Reply
  42. Amex Guy

    Actually, this card is better than Infinia/Diners because that 3.3% reward rate is calculated per statement, not transaction. A 299 transaction on Infinia would only give you 5 points, this would give you 9 points (a 1 re unrelated transaction would make it 10 points). SC calculates on overall bill and prorates it. It’s still not on level of Citi though, who even gave me miles on GST of annual fee. 😛 Apparently Citi gives miles on everything except interest and penalty charges and calculate it per bill, not transactions.

    HDFC really screws customers on their per transaction policies, especially the kinds of people who use CC for everything and might have a lot of smaller transactions.

    Reply
  43. Hari

    Hi Siddarth,

    You have mentioned that welcome benefit is applicable for MMT hotel booking only. But, I believe it can be used for flight ticket as well because SC didn’t mention anything explicitly that is not applicable for flight ticket.

    As I see in their T&C, “This Offer is not valid on bus, railways, cabs and holiday bookings.” – So cashback is applicable on Flight & Hotel booking

    Regards,
    Hari

    Reply
  44. Ashish

    I have been using CC of many banks but I have found worst service of Standard Chartered bank. The way of communication with customer & bank staff are highly unprofessional.
    Bank has designed its customer communication channel is such a way that if customer raised any complaint then he/she automatically get fed up and give up to its complaint.
    HIGHLY NOT RECOMMEND SC BANK CREDIT CARD AND BANK ACCOUNT.

    Reply
  45. Saugata Halder

    This question is for Amex Guy…when you say “If you stay at 5-star hotels, Amex Platinum is where it’s at.”, do you mean Amex Plat Charge card? What benefits do they have for 5 star, other than the ones advertised (like elite status with a lot of the chains), and the benefit you get from Fine Hotel and Resorts? Will be great if you can lay it out in detail.

    Reply
    1. Amex Guy

      Yes, I mean the Platinum charge card.

      1.) You get elite status at major chains. Indian variant comes with even more than US variant. If you travel often, the $30 free breakfasts and late/early checkouts save a lot of money because you can then take cheaper morning/evening flights in and out. So elite status has capability of saving thousands of dollars a year. Also, since most chains only have premium variants in India (for e.g., Hilton has only one Hamptons, SPG has only a few four points), you can’t do what you can do in US — earn status on cheaper hotels to burn on expensive ones. So this card really can help.

      2.) Amex, a lot of times, can negotiate a better rate for you. Even if not, elite tier helps you there too. Amex is primarily a travel agency, never forget that. The card starting with 3 should tell you. 🙂

      Keep in mind though that apart from elite status, Indian variant is significantly useless compared to US one. It is double the price, comes with practically unusable sign up bonus, points are 1.5X less worthy, and “Do Anything” concierge is not even in the same league as the US one. So know that they are taking Indians for a ride, and most advertised features outside of status won’t work as they should.

      Reply
      1. Saugata Halder

        Hi Amex Guy. Thanks a lot for your response. Appreciate the education we receive from your posts. Always loaded with facts.

        Reply
      2. AG

        Hey AMEX guy,

        Isn’t Premiermiles plus amex platinum reserve a better combo than prestige. If I’m not citi gold, the earn rate with PM is pretty catchy and I get more hotel memberships with Platinum reserve. The only benefit I would be missing is unlimited PP but then I would have both Visa Signature concierge and AMEX platinum concierge. Wouldn’t that tip the scales?

        Reply
        1. Amex Guy

          AG,

          Not really. PM gives 2 miles/100 while Prestige gives 4/100. There is no problem in offsetting fee as they give freebies of 20K for renewal. Even for domestic, converting Prestige points to Etihad and then booking Jet is better than 1.8% reward rate of PM. On Prestige, getting 4% return is very easy. Getting anything more than 2% on PM is impossible.

          Now, the Amex concierge you have is not exactly “Do Anything” version. That’s only on Platinum Charge card. For Do Anything, they use Aspire Lifestyle as provider. Well, so does Citi Prestige. So in Prestige, you’re getting same concierge as Amex Plat Charge Card. On Reserve, you’re getting the Int SOS concierge, which isn’t very useful. Prestige concierge has gotten me on club guest lists after 11 PM, while Int SOS was even unable to arrange a courier pick up. There is a massive difference.

          You don’t get any hotel memberships on Reserve AFAIK. You’re confusing the 50K Plat Charge Card with Reserve.

          PM has its uses. For example, if your spends are less than 12-15L/annum, you’re unlikely to be able to play miles game properly. In that case, something like PM or a Amex Jet card makes sense, where you just earn a few flights domestically and that’s that. But competitor to Prestige, it is not. 🙂

          Reply
  46. Devendra

    I disagree, I have been using their cards from last couple of years and they have been able to resolve my concerns promptly. The key is to escalate your concern through Grievance redressal channels.

    Reply
  47. Sulabh Gupta

    Customer care tells me that for Ultimate specially, you can redeem 1000 RP for 1000 Rs. Amazon voucher. This is great is true! And there are no redemption charges and this is e-voucher.

    Reply
  48. Vikram

    Got this card. Actually, wanted to upgrade my Priority Banking Infinite card to this. But they let me have both cards. I didn’t mind because the PrB Infinite card is free for life anyway. With this card in my hand now there’s no use for the Prb Infinite card though.

    Reply
  49. jitendra saraogi

    i have got my 1 st statement with 2 transactions and joining fees but no sight of any reward points.
    if anybody can help in this regards.

    Reply
  50. Q

    Hi Sid,
    I have been offered one of the below cards for no Annual Fee
    1)Standard Chartered Ultimate
    2) Standard Chartered Emirates World
    3) Priority Banking Visa Infinite

    Which one would you recommend? I currently have an Amex Gold and will get one of HDFC Infinia or Yesbank First Exclusive.

    Reply
    1. AG

      I called SCB and they said that Standard Chartered Ultimate is not for free. I already have two of their cards, namely Visa Infinite and Emirates world. What is the criteria for free?

      Reply
  51. AG

    Does anyone have any idea about their concierge? Looks like they are providing a lot of services only seconded by amex platinum. I am not sure about their service quality though.

    The concierge partner is International SOS which is the parent company of aspire lifestyles. I have a bit of experience with aspire from my yes first exclusive and they are good but take a lot of time.

    Reply
    1. SH

      I used their Concierge service for some basic operations (sending flowers, cakes etc.). It is not bad. They are puctual, helpful, polite, and keep their end of the bargain.

      Reply
  52. Q

    I have been offered one of the below cards for no Annual Fee
    1)Standard Chartered Ultimate
    2) Standard Chartered Emirates World
    3) Priority Banking Visa Infinite

    Which one would you recommend?
    I currently have an Amex Gold and will get one of HDFC Infinia later this month

    Reply
  53. Prashant Gupta

    Standard chartered ultimate unless you travel much with emirates.

    Reply
  54. Prateek

    The value of Rs. 1000/- Amazon evoucher on rewards redemption is 3600 points. How is the value of 1 reward point then equal to Re. 1?

    Reply
    1. Hari

      That’s for other cards like Platinum rewards, Manhattan etc. Check the exclusive tab on the 360 rewards page for Ultimate rewards redemption options.

      Reply
    2. SHARAD BANSAL

      There is an exclusive option tab where it gives all options including amazon

      Reply
  55. Anil Lahoti

    They converted points on my existing cards by 3:1 ratio.
    They even debited points on landmark rewards card which is not there on 360 degree platform.

    Reply
  56. Sulabh Gupta

    I booked a hotel using this card earlier last month on MMT and now need to cancel and rebook to another hotel. Has anybody talked to Stan C regarding this, am i going to still be eligible to receive the 10k cashback if i do this?

    Reply
  57. Sunil

    I have received my Ultimate card around 20 days back. At time of joining, there were around 40 options to redeem the points in Exclusive tab but today I find only 19 options. All major vendors(online/offline) including Flipkart, Cleartrip, Yatra, Lifestyle and MMT open voucher options are gone.
    I have contacted the customer care and they say it is bank policy and redemption options can be changed any time.
    Now I do not find this card good enough to carry on as no major vendors are available whose gift card can be purchased other than shoppers stop, Thomas cook to name few.
    Since the annual and renewal fee of Rs5000 + GST are mandatory and no waiver option is there, I feel the card is not worth anymore.
    Also Dineout option is limited to only 4 major cities.
    Has anybody noticed the same and raised the concern with SC bank?

    Reply
    1. Aman

      If Amazon is still there then you can get cleartrip/ mmt / lifestyle through amazon pay balance. 🙂

      No chance of flipkart though 😉

      Reply
      1. Sunil

        Hi,
        No ..All major vendors are gone.
        Today count of options reduced to 17.
        I got a reply from customer care and they simply say whatever options are there, we need to choose from them.
        As per policy they are right but as per business ethics and customer satisfaction, this is completely cheating with customer.
        While launching the card, they mentioned a whole bunch of list but within 3 months, the things are completely changed. What is advantage of paying Rs5000 + GST fee if you do not even have a good option to redeem. In first year, they are offering MMT voucher but what will we do of these points in next year? Even there is no option of fee waiver.
        Is this correct way of promoting a premium card?
        I would request Siddharth (Post Owner ) to check the latest updates and revise the editor’s rating accordingly as I do not think this card is now worth 4/5 rating but again that is my personal opinion..

        Reply
          1. Aman

            Hi Ganesh/ Sunil

            I have a question regarding flipkart gift cards.

            In amazon gift cards balance gets added to amazon pay which can be now used dor a variety of payments (elec, mobile etc like paytm) other than just buying stuff on amazon.

            Is Flipkart Gift card adding balance to Phone Pe (flipkart’s wallet app)? So we can do any kind of payments from there???

            The idea is to make these gift cards/ voucher near cash (through wallet apps) to use where ever I want and not necessarily buying from these websites.

          2. Datta1108

            Hi Aman,

            No for Flipkart vouchers you need to buy stuff from Flipkart as Flipkart and PhonePe work independently although PhonePe is owned by Flipkart.
            Best option is to redeem Amazon vouchers and then use it for shopping, bill payments or shop for other merchants GV’s

        1. Datta1108

          Amazon, Flipkart GV are back in stock. They have these GV’s in stock and send to across when redeemed by customers. When stock gets over the replenish them. I have observed this with Amazon and Flipkart GV. Generally they come back within a week or two after getting OOS.

          Reply
  58. mayur

    hi… can you please do a complete review of the SCB Ultimate credit card. Would be really helpful as this card looks really promising.
    Thanks

    Reply
  59. Vishnu Sharma

    SCB Team does not confirm other Visa infinite benefits on ultimate card. Benefits like Book my show non-movie discount of Rs 700. Availability of Visa infinite benefits automatically under Ultimate Card is also not mentioned on Bank website under ultimate card. Mr Siddharth can shed some light.

    Reply
    1. Amex Guy

      I don’t think outside of Visa Luxury Collection banks can opt out of any Visa Infinite benefits. You should be able to avail all ongoing Infinite offers. BMS offers are applied based on card sequence numbers (issuer part, so first 6 characters), so you can always cross check.

      Reply
      1. jitendra saraogi

        How to cross check ?
        Please clarify for understanding bms offer.

        Reply
  60. Anonymous

    Any idea what’s the SCB Ultimate’s transfer ratio to JP miles? For other cards, I believe it’s 53 JP miles for every 100 points.

    Reply
  61. Anonymous

    Does the SCB Ultimate Card have a separate dedicated customer service phone line (similar to Diners Black/Infinia)? I’ve been seeing very long wait times on the regular customer care phone line for SC’s other credit cards.

    Reply
  62. Ashok

    does the eligibility criteria for Ultimate credit card had been revised?

    Reply
    1. Datta1108

      Who informed you this? SC website still showing-
      New Customers – Annual income of Rs 24 Lakhs per annum or more
      Existing SCB Card Holders – Existing credit card limit of Rs 3 Lakh or more

      Reply
  63. Gaurav Malik

    I had made two transactions on MMT and now I am struggling to get a cash back from the CC team. First they claimed that my transactions are not registered and now they claim that I will have to follow up with the MMT team to get the cash back? My question here why should I follow up with the MMT team when it has been communicated at the time of taking the card that SCB would be responsible for cash backs. Have escalated to the Head Service team but getting very lame excuses

    Reply
    1. Datta1108

      This is not good at all. I am getting worried about my cashback.
      Although as of now I have done only one transaction with MMT.

      Gaurav, did you cancel your first transaction on MMT? Because as per T&C Ultimate card holder is suppose to get cashback only on 1st transaction on MMT and if that transaction is cancelled then they would not pay cashback.
      But if we do multiple transactions on MMT then you would get cashback for only 1st transaction, max of 10k.

      Before doing MMT transaction I spoke with SC customer care and they were not giving proper answers, so I spoke to their floor manager Mr. Vishal and he explained the T&C properly, I also got them in written email and then only proceeded with my booking.

      I will suggest you to call customer care and ask then you would like to talk to floor manager (Vishal) and explain your issue. He is good guy and he has helped earlier as well when I asked Ultimate CC they instead issuing another card on my account they upgraded my SC Manhattan card and cancelled it. First they said they can’t revert once its cancelled but with Vishal activated it again.

      Best of luck and keep us updated.

      Thanks,
      Datta

      Reply
      1. Gaurav Malik

        Hi…Finally I got my 10K flashback. I had made two legal transactions of 15K and above on the card and both were made for hotel bookings. Had to send them multiple emails for follow up but all’s well now. Got a message from the bank that both the transactions were okay and thus receiving the 10K cashback

        Reply
        1. Thomas

          Hi can you please elaborate why 2 transactions of15K, isnt one enough10000 or above.

          Reply
  64. Suresh

    I just got my credit limit enhanced in HDFC when they upgraded from Diners Premium to Regalia to 3L.
    Can I go and apply even with though the regalia credit card is new but the account is older than 1 year?

    Reply
  65. ANUGU RAVINDER REDDY

    Hi,
    can we have SCB (Ultimate/Manhattan) , ICICI (coral or Jet sapphiro) and Axis (privilege or select) Cards through card on Card process?

    Reply
  66. Thomas

    Republic day offer for all scb cards 3 times rewards to a max of 3000. 26 to 28th spends should be above 2601 minimum 2 transactions.

    Reply
  67. Datta1108

    Has anyone received makemytrip cashback of 10k? I am still waiting for it.

    Reply
    1. SH

      Received that. Booked using MMT on 6th Nov. Stay was for 14th-17Nov. Received CB in 60 days.

      Reply
    2. Hari

      Received MMT cashback. Cashback credited just over a month after travel completion.

      Reply
  68. Mayank Agarwal

    I am already using three scb credit cards…can I apply ultimate card also and will I get all the benefits of the card?

    Reply
  69. Thomas

    Hi all I would like to know the exact terms for the mmt booking. 10000 and above, first time on mmt does it mean a new mmt account or first transaction using ultimate card on an old mmt account

    Reply
    1. Datta1108

      Its can be old MMT account, you would get cashback for first transaction using Ultimate Card. I used my old MMT account for Hotel booking and I have received cashback in my credit card .

      Reply
  70. ANUGU RAVINDER REDDY

    Hi everyone,
    SCB isn’t generous in issuing the cards to the self employed. I applied based on my HDFC card through Card on Card process. But, got rejected.

    Reply
    1. Siddharth Post author

      I’m eying on this currently. I checked with sales guys and they seem to require 5L+ limit on existing card. Did you apply by fulfilling that condition and still got rejected?

      Reply
      1. ANUGU RAVINDER REDDY

        Hi Siddharth, my HDFC card limit is 4,75,000/-. Still got rejected.

        Reply
      2. Mouli

        Sid,

        Any Specific reason or advantage for you eying in this card , specially when you hold all other super premium cards and this one comes with joining fee of 10k too?

        Reply
  71. Datta1108

    Got Target based spend offer 4000 extra points spending 88K and 7500 extra points for spending 108K. Has anyone received this offer? If yes, what is your Target Spend?

    Reply
  72. ANUGU RAVINDER REDDY

    Hi Rahul,
    it was hardly 10 minuets process. The executive told then and there itself.

    Reply
  73. Rahul

    I have been waiting for more than 23 days since documents were collected, but no updates as such. When contacted customer care they say initial approval is done wait for few more days. Dont know how much time whole procedure will take place.

    Can you please share your experience with SC Ultimate credit card application procedure.
    Note: For me it is new card application with no prior relationship with SC.

    Reply
    1. PRIYESH

      I got my card within a week after applying online ,process was quite smooth, I guess it depends on case by case basis.

      Reply
      1. Amann

        Hi
        Has anyone got this card LTF or joining fee waived?
        I asked but they politely said its not being issued ltf or joining fee waived.

        Reply
        1. Suresh

          Even i am interested in this card,if joining fee can be waived just like HDFC diners black.

          Reply
    1. Amann

      Its pathetic. First you get charged 3.5% + gst (presently totalling 4.13%) and then 1.5% is reversed.

      Reply
  74. Thomas

    Hi I am not able to use card in bms. It says total number of use already exhausted and i havent booked this month using scb ultimate

    Reply
    1. Amann

      There are quotas for visa infinite & signature cards. Hence you wont be able to use the offer in case the quota has been exhausted.

      Quota is generally released at 10 am & 4 pm daily or so. You may try at these times as the quota is very limited.

      Reply
    2. Toshi

      It’s the total usage by all Visa Infinite cards. There’s a quota per day.

      Reply
  75. Arvind

    Can anyone who is having this card confirm whether we have the capability to pay the outstanding from the points we have. CC rep told its available but i just want to confirm as I hadn’t seen that in website or blog even.

    Reply
    1. Toshi

      I haven’t seen any such option online, for the reward points. There’s a separate ‘cash’ section (where you get any cashbacks (different from reward points)). That ‘cash’ can be used to offset the outstanding.

      Reply
  76. Mayank Agarwal

    I applied for ultimate card.. received within 3 days of request.. amazing service ( I already hold 3 SCB card with limit of ₹375000)

    Reply
  77. K Ghosh

    I am not receiving e-statements from stanchart timely. Earlier I used to receive it within 3-4days but now they are sending it after around 10 days. Anyone else facing this issue?

    Reply
  78. SumS

    I received SCB Ultimate card within 4 days of requesting through customer care executive. Called to change statenent date and came to know about this card upon enquiring about upgrade. I am holding SCB cards for 15+ years and was holding Manhattan Platinum and Landmark rewards card from SCB. This is 3rd SCB card in same combined limit. Yet to do MMT booking for cashback.

    This is my primary card now and regularly receiving 5 reward points for 150 on pro rata basis. ICICI Coral (visa) and CITI Indian Oil card have gone to cold storage (except for fuel in citi). Also aquired diners club international as LTF recently, but didn’t use much till now.

    I didn’t care much for reward point/cashback before. Might have changed/upgraded cards, had I gone through this site before or analyzed credit card rewards in detail.

    Reply
  79. SumS

    Just wanted to update that one can get 1 RP for every Rs. 30 spend. No min transaction of 150 is required. Got 1 RP for Rs. 40 spent on the card.

    Reply
  80. Amann

    Hello everyone

    Just a request. If anyone has got this card LTF or joining fee waived, Please the tha name and number of your RM and location.

    Thanks in Advance.

    Reply
  81. Eshan

    I currently hold Manhattan with 4L+ limit and planning to upgrade to ultimate for Airport access…
    Something we might have missed for Ultimate…
    5k joining compensated by MMT and then by points 2nd year onwards…still OK
    Greater reward point to spend ratio, better RP to cash ratio…..GOOD
    Now, what is missing is the 5% cashback on departmental stores and the seldom cash schemes SCB runs on Manhattan and Super value titanium, ….it annualized 7k for me last year in addition to the RPs
    A guy from their card team confirmed Ultimate would not have that cashback as it is a premium offering?

    Reply
    1. Sidharth A

      For this precise reason I have kept by super titanium and use it for fuel and utility payments despite having a HDFC Infinia. Use it just for the reasons it is best for

      Reply
  82. Mouli

    Below benefits are mentioned as applicable till December 2017 only

    Discounts on yQ (Meet & Assist), Hertz & Avis
    Hilton Honors Gold status with 4-nights stay / Fast-track

    Reply
    1. Anoop E S

      for Hilton Honors, there is another ongoing promo which is applicable to all Visa Signature and Infinite Card holders. just complete 2 stays or 4 consecutive nights. We need to register for this offer through the link provided by VISA. I’m sharing the link here

      Reply
    2. Sidharth A

      I has raised this issue of Hilton donors etc which the welcome kit said were till 31st Dec 2017, the CC team got back and informed me the same has been extended till 30th June. These are given by Visa under the infinite program checked their website and the same have been extended.

      Reply
  83. jitendra kumar saraogi

    if this card is good for international spends say for Thailand travel ?
    please suggest on urgent basis.
    thanks in advance.

    Reply
    1. Jay

      Yes, Go ahead and use it.
      You will receive cashback of 1.5% on Foreign Currency charges and along with Reward rate returns at 3.3%

      Reply
      1. tathagat

        The cashback of 1.5% seems to be good ! Infact better than the global value program of 1% of Diners Black….is the mark up charges different i.e is there any fine print and do we need to enroll ourselves in any program to get the 1.5% cashback or it is automatically considered? I am being offered SCB Ultimate LTF same as the visa infinite i hold right now… thinking of going for it as diners acceptability abroad is still limited and this would server as a good alternative if its mark up charges are on par…. plz comment !

        Reply
  84. Rahul

    So i received my Ultimate card this week, within 3 days of submitting all the documents. Needless to say the cad looks stunning. Glad they provided this card with no previous relationship with the bank.

    Couple of quick clarifications from the experts in this thread:

    1. Do i have to wait till i pay joining fees to book the MMT tickets? The following line is confusing
    “Eligibility Criteria” for availing the Offer is the payment by the Ultimate Cardholder of the
    Joining Fees of Rs. 5,000 in accordance with the Most Important Terms and Conditions.

    2. Primary and secondary card holders are eligible for one complimentary pass access per month provided 20k spend on the card.
    2a. Will primary and secondary holders get one access each ?
    2b. is 20k spend calendar month or billing cycle?
    2x. Does primary and secondary card holder have to spend 20k each to be eligible for waiving off usage charges?

    Customer helpline were quite helpful. Appreciate thoughts from experts here.

    Reply
    1. Amann

      Hi Rahul

      Kindly note my opinion:

      1. Need not wait. Charges will be debited automatically. It’s more likely that this point is there in case this card is ever issued joining fee waived.

      2.
      a. Only 1 visit in total combined.
      b. Calender month.
      c. 20k in total by both.

      Reply
    2. Vinod Kannan

      Hi Rahul,
      To answer ur questions,
      1. You can go ahead and spend as soon as u get the card in ur hands. You have to pay the Fee on ur due date to get the cashback.
      2. Yes
      2a. 20k must be spent on primary card to get complimentary access on primary card and additionally 20k must be spent on Supplementary card to get free access on Supplementary card. U ll get 1 complimentary access only on the card that u have spent 20k(Primary/Supplementary).
      2b. Its ur billing cycle.

      Ok. Now, How did u apply for the card? Is it card on card basis or using ur ITR? If u have applied through card on card, what was ur limit on the card which u have provided to them?

      Reply
      1. Rahul

        Thanks guys for your inputs. I applied based on ITR and i had no previous relationship with SC. The limit i was provided is 5 lakhs.

        One area of concern for me was the priority pass, it had only 12 digits printed on the card and as a result , i was not able to register in prioritypass.com . However, when i reached out to SC support they mentioned the card will work despite some of the embossed numbers missing. PP support however says, get the PP card replaced. It’s confusing and no closure and having back and forth with SC support for the past 2 weeks.

        Reply
    3. Sharathkumar Anbu

      Hi Rahul,

      Did you apply on ITR basis or Card to Card basis?

      If Card to Card basis, How much limit are they expecting in existing card?

      Reply
  85. John Abraham

    Thank you Sid ! A well written article. Been following you last few days. I hold 7 credit cards now including SCB Ultimate card, I took after reading your article. Hope I could save more using this card. Btw, I’m a movie freak. Love watching more and more movies. Hope I could save on movie tickets also using this card. Thank you!

    Reply
    1. John Abraham

      Well, I’m an existing SCB card holder who holds a Manhattan Platinum Card. Card limit of 3.12 Lacs and do not have any other relationship with SCB. My card is just 6 months old. Card utilization never went more than 20%. This is just an insight to those who wishes to apply for this card.

      Reply
  86. SV

    I applied for this card few days back, card is yet to be delivered as i was travelling for some time. However statement is already generated and emailed to me. Process of applying was smooth and interaction with CC was helpful, since i had to call them couple of times for for holding / re-initiating the delivery etc.

    The only con i see is they gave me CL which is about 30-35% of my monthly Salary, Just to mention I have very good CIBIL score but no existing relationship with SC. My intention was to use this card for overseas transactions as Visa has better acceptance then Diners (primary card). With this CL i need to think twice / calculate even before paying Hotel charges during overseas travels with this card. Clearly their CL policy is not in sync with their intentions to get into HNI segment.

    Reply
  87. Mohan

    Hi

    This is one of the best cards at current times, I’m thinking it was poorly rated may be due to not unlimited lounge access. Someone mention, we won’t receive reward points on the international transaction, but that’s not true. I spent USD and AUD, on both occasions I received reward points and also 1% cashback.

    Reward Point ratio is 3.3%, the catch is we also receive points on fuel transactions and wallet transactions. Joining fee and renewal fees can easily be managed with the bonus points/cashback they giving.

    I strongly recommend this card.

    Reply
  88. Prem Taparia

    Sid,
    The 10k cashback for MMT booking is available for Hotel AS WELL AS for flight booking. The terms and conditions clearly says that the cashback will be credited within 60 days from the date of travel/stay. DATE OF TRAVEL implies that if we do a flight booking through MMT, even that will be eligible for cashback. What do you think?
    🙂

    Reply
  89. SHILADITYA CHAUDHURY

    I was planning to NOT apply for this card as I already have the YES FIRST EXCLUSIVE card as my primary card. However, one problem I have with the YES credit card is that the reward point redemption options are very limited. Earlier, they used to have Amazon Gift vouchers but that is also not available which is making the points somewhat useless to me. I am kind of forced to buy some Shoppers stop GV which I really do not need. Also, Yes bank sends physical gift vouchers and NOT e-vouchers which is really a pain and hard to believe in today’s world
    I am thinking to apply for this card due to much better redemption options including Amazon Gift voucher which is all delivered as e-vouchers over email.
    I would like to know if they have dedicated customer support over phone for this card or you have to go through the long list of options and wait time before talking to someone .. I am talking from experience as I already have an old Stan chart titanium card with 5L limit.

    Reply
  90. Toshi

    They do not have a separate customer care number for the Ultimate card. However, I’ve seen that I’m almost immediately connected to a human after entering the card number on the phone IVR. I believe they recognise the type of card (based on the number) and connect you much quicker if the card is an Ultimate card. I used to have a different experience (had to wait long) when I had a different standars chartered card before this one.

    Reply
    1. Sakthi

      SC utimate card holders can contact Priority Banking numbers. Wait time is very less for priority banking customers.

      Reply
  91. SHILADITYA CHAUDHURY

    This is very reassuring to know. I might go for this card and use it as primary card instead of the Yes First Exclusive. What do you guys think?
    Yes First exclusive has better lounge access (unlimited domestic and international) and lower foreign currency charges but SC ultimate has better reward rate and more importantly better rewards redemption catalog

    Reply
  92. AAgarwal

    Hi, I have this card for the past month. How does one redeem the points at Re1 per reward point. Can’t see any exclusive tab on the 360 degree rewards page.

    Reply
    1. Priyesh

      yups seems to be missing now. Although their website still says “maximum benefit with 1 reward point equal to Re 1”

      Reply
    2. Mayank Agarwal

      Yes even now I can’t see that section….it was there before! Need to clarify from cc executive.

      Reply
  93. Praveen Perumalla

    I called CC and they asked to wait for a couple of days. They are updating the rewards tab for Ultimate from the back-end.

    Reply
  94. Sakthi

    I am using this card for the last one month. This replaced my regalia card for daily usage. The good thing with this card is reward points are prorated (got one reward point for Rs. 17 also). You get rewards for all types of transactions, there is no exclusion / conditions. Reward points for each transaction is shown clearly in online. Standard chartered has very good offers in TataCliq, UBER, Voltas Ac’s, LG, Jabong, Treebo, Samsung mobile.. etc.
    Only concern is the availability of Amazon coupons for redeeming reward points. Overall i am happy with this card.

    Reply
  95. Biplav

    Hi Siddhart,

    First of all, excellent review. I had also read your review before finally jumping to Diners Black from HDFC Regalia. I now got my hands on this Ultimate card from Standard Chartered.
    Quick question: Regarding Airport lounge access, given this card is Visa Infinite, I assume users will get 4 visits/qtr on visa card + 1/month on PP (which is provided with the card) subject to 20k spend in prior month. Let me know if I am wrong here.

    Interesting thought on wallet money- unlike HDFC, I think users will get the default 3.3% rewards for any payments liked to wallet account, like say Paytm. Suppose one transfers 1k to paytm wallet, user will get Rs33 as reward points (1Rp=Rs1). Paytm charges 3% for transferring wallet money to bank account (default charge for retail clients, business vendors have diff rates, mostly its free). This money (from bank ac) can be used to pay the same credit card bill, for calculation purposes, lets just say its 1k, which was used to upload money in wallet.
    In short, will the user earn 0.3% (3.3%-3.0%)? Amount will be less, given Paytm caps money sent to self bank ac at 25k/month, but I think this essentially means free credit all round the year, while earning 0.3%

    Leave it to the experts here to discuss further.

    Reply
    1. Ashish Nikhare

      Both, Paytm & Payzapp will ban you for lifetime for revolving credit !

      Reply
    2. Rohit

      It only made sense when transfer was free in the old days.

      Reply
  96. Aleks

    Siddharth
    Any idea how to apply this card on basis of another bank card ?
    I visited SC bank branch to get info but their employee are noob, they dont have any knowledge about product also they never give replay to our question !! wasted 2 weeks following them , this blog contain more info than Standard Charted Bank employee have !
    I have CItibank credit card with 5.47L limits interested in this card as secondary,
    Standard Charted Bank service is really bad, How is credit card department ?

    Reply
  97. Prashant Gupta

    Has anyone applied for this card on card on card basis. And what limit is required for that.

    Reply
    1. Praveen Perumalla

      I got this on card on card basis and the required limit is 5l+.

      They wanted the unused limit to be above 5L+

      Reply
    2. Nitin Khanna

      I got it purely on card on card basis. I furnished Citi Premier Miles Card worth limit >10L through its statement. Post verification etc, got a message that your credit card application has been rejected. Reached out to their customer care, and they promptly followed up on that. Got the credit card in 3-4 days

      Reply
      1. Prashant

        I applied this Card on CARD on CARD basis, Almost 15 days passed there is no update from standard chartered , followup’s to local SC representative he says its in process ,but no update still now where to contact for real status ? where to complain if any one can help ?
        PS: I applied through branch on basis of CIti card having limits of 8L+

        Reply
        1. Ashish Nikhare

          How do we apply for this card on “Card-on-Card” basis ? Do we need to visit the branch or can it be done online or any sms or any call to customer care or any email to customer care ?

          Reply
      2. Arth

        @ Nitin Khanna
        I also applied this card on card basis but my card is decline , I applied this on base of Citi card having nearly 11L credit limit, My credit score is 829 , no late payment and any type of negative remark in CIBIL , Still they decline , How you contacted to customer care and where ?
        How you complain them about if you can help on this !

        Reply
        1. Nitin Khanna

          Hi Arth,
          Please reach out to their customer care email ID (head.service@sc.com) and mention your concern in detail. I got a call back and they asked for the exact SMS that i received for the decline. Seems there was some error at their backend, and they reinitiated the application with earlier submitted set of documents. You can try the similar way.
          Thanks!

          Reply
  98. pradeep shaw

    6 lakhs limits for card on card .
    processing is fast.

    Reply
  99. SHILADITYA CHAUDHURY

    Spoke to SCB. They said they can offer the card immediately as I already have their titanium card with 7.5Lakhs limit.
    However, the Dineout offer is not available in Hyderabad which is a bummer.

    After going through the features, I feel this card makes a lot of sense if you can make use of the 10000/- cashback on MMT. The renewal fees should not hurt as you get the Reward points and they have flipkart or amazon vouchers.

    Has anyone been able to get this card life time free?

    Reply
    1. Biplav

      Dineout offer is now available in Hyderabad. (last checked: July 22, 2018)

      Reply
  100. SHILADITYA CHAUDHURY

    One more question – is the 3.3% reward rate applicable for fuel as well?
    What about fuel surcharge? I did not see any mention of fuel surcharge waiver on their website

    Reply
    1. Rajnish

      Yes, it’s applicable for all the transactions as per now. Regarding fuel surcharge, I believe they charge 1%.

      Reply
    2. PRIYESH

      They charge 1% fuel surcharge, but you get .75% back as per Govt scheme, and yes you get reward points as well.

      Reply
      1. Biplav

        Hi Priyesh,

        I dont thinj you get 0.75%cashback. have used the card twice in June and July but didnt get cashback. 1%surcharhe levied, as per normal practice.

        Reply
        1. Rajnish

          I got 0.75% cashback as per the government policy along with 3.3% cashback as reward points.

          Reply
    3. Amann

      Use paytm: get 3.3% SCB rewards plus 0.75% paytm cashback.

      Reply
  101. Prashant Gupta

    I was thinking of applying for this and making this as my secondary card, currently Yes prefered is my secondary card and HDFC Diners Black primary. Will then replace the regular non 10X spends on diners to ultimate.
    How you guys are doing it……

    Reply
  102. SHILADITYA CHAUDHURY

    Thanks a lot.
    3.3% reward rate of fuel is really good as none of the premium cards have this feature.
    I spoke to SCB executive.. they are saying life time free is not possible.

    Has anyone got this card LTF?

    Reply
  103. Bharath

    I got this card yesterday. Got it on the basis of my Citi Prestige credit card. Processing was fast.

    Reply
  104. Rahul

    So looks like the new SC ultimate cards will be based on mastercard world platform vs the Visa Infinite they used to issue earlier. One advantage with Visa infinite that i could think of are 4 accesses to domestic lounges per quarter.

    Any other pros/cons from experts?

    Reply
  105. Bharath

    Avis and Hertz offers are not in the Mastercard T&Cs file. Also, they have removed the eligibility criteria which previously stated an income of Rs 24 lacs. Looks like they are already devaluing the card.

    Reply
  106. Rahul

    Today, i got a new notification about SC ultimate card. Earlier it used to be 5 Rp for 150 , i wonder if this means, 25 RP for 150 RS spend? Anyone else got this message?

    5X rewards on all your spends with 1 reward point = Re 1*

    Reply
  107. SV

    Guys,
    Received an mail mentioning my SC ultimate qualifies for 5X rewards on all spends with 1 reward point = Re 1. Also there is no end date mentioned for this offer in the mail. Quick searching on terms and conditions also doesn’t indicate any thing on this 5X program.

    Would be helpful if some one clarify on applicability (if any) on spend category, max spending limit, etc …at blanket spend offer seems to be too good to be true.

    side note, verified email its genuine including all https SC links 🙂

    Reply
    1. Atul

      From when is it applicable? Did they mention the start date?

      Reply
    2. Toshi

      They used to say something similar for another card too and it simply meant the regular 5 reward points. I’m pretty sure it’s only 5RP and not 25RP. I believe the email is just a general email that talks about the 5RP benefits (among others) and not a new campaign by them.

      Reply
      1. SV

        No start date mentioned. I checked on the rewards accrued its normal rate 5/150. Nothing is changed.

        May be they worded it so intentionally – Just to create confusion.

        Reply
  108. Amar

    ha ha – even I got confused when i got this email.
    But then I went to the SC website and on the card page I found that they define 5x rewards for this card as 5 RP per INR 150 spent, which is the normal RP you get anyways on this card. So the reward rate remains 3.3% – it is just smart marketing nothing else.

    Reply
  109. Pol Sarma

    Hi,

    I am somehow not able to apply for the ultimate card from the SCB website. Whenever I enter my salary details which is above the minimum requirements I am shown the Visa Infinite or the Emirates as an option.

    Also a CC agent called me up as I applied through a third party but no response yet.

    Thanks

    Pol

    Reply
    1. Suresh

      apply for any card in the web and when the cc calls you for confirmation, ask them to change card to ultimate card.

      I got the card using the above method.

      Reply
  110. Raviraj Umakant Parab

    This card is now available in MasterCard only

    Reply
  111. Thomas

    Hi can anyone tell me about the ultimate supplementary card does it have lounge access via visa.. is it a seperate card number. I saw in thread that we have to spend 20000 for add on card priority pass access.

    Reply
    1. Rahul

      Thomas,
      Me and my wife have different Ultimate card number as well as a separate priority pass for supplementary card. From what i understand the condition says the cardholder needs to spend 20k on their “respective” card to avail complimentary priority pass access. However will have separate lounge access via Visa, so domestic lounge access upto 4 per person /quarter wont be a challenge

      Reply
  112. Thomas

    Hi can anyone provide details about the ultimate supplementary card. Is it same card number like hdfc or different. Does it have seperate lounge access

    Reply
  113. Sanjay

    From 6th August 2018 the eligibility for Existing SC credit card customers is Rs five Lakhs. They increased my credit limit to 3.5 lakhs and increased the eligibility. Hell with SC.

    Reply
    1. Sharathkumar Anbu

      What is the eligibility now for getting the credit card on card to card basis?

      Reply
  114. Jay

    I applied this card in july month but still not received , they are very unprofessional. given other bank credit card copy as they ask for in that card having limits of 9.87L. contacted branch 3 times personally but no proper response.
    Their branch executive are worst in every way, I did not expected this type of service from standard chartered.
    I am wondering if this is their service for new customer what will happen if problem occurs after I get Credit Card.

    Reply
  115. Rahul

    Had a strange experience at Coimbatore Lounge with SC ultimate (infinite) card. The transaction was declined for some weird reason. Luckily for me, i had a SBI elite which went through. It still beats me, why Ultimate cards are declined at the CBE lounge.

    So far i have tried SC ultimate at BLR, & MAA lounges. It works like a charm there. Let me know if anybody had similar experiences.

    Reply
    1. Sharathkumar Anbu

      Where is the lounge in Coimbatore Airport? I recently flew from Coimbatore but never seen any Lounge as such.

      Reply
      1. Rahul

        Aavachi is on the first floor after security check. It is a restaurant which has tie up with Visa, they offer a set menu and not a buffet just like other lounges.

        Reply
          1. Suresh

            its in domestic. this is also listed in visa participating lounges.

  116. Aarush

    I have applied for this card in middle of August based on my salary. The bank representative collected all the relevant documents and thereafter there is no communication from the bank. I did not get the application number as well. The customer care who spoke to me told that I am eligible for the card in the beginning, however when I call them now, they say it is under process. It’s been 15 days, do not know how and whom to follow up with.

    Reply
  117. Sharathkumar Anbu

    Is anyone aware about the card to card eligibility for SC Ultimate credit card right now?

    Since the existing SC credit card limit for upgrade is changed, I doubt the credit limit for Card to Card processing also might have changed.

    Reply
  118. Mouli

    I am facing the below problem with MMT Cashback offer:

    I made my first transaction in MMT on 29th June for 11000 and booked hotel for October stay
    I made my second transaction in MMT on 9th July for 900 and stay completed on July itself
    Now I received 900 as cashback from MMT considering second transaction as First transaction as the second transaction stay is completed
    Raised the issue with SCB customer care.So others Plz ensure that till your first stay is completed , don’t make any transaction in MMT till you get the cashback as it will land you in the trouble

    Reply
    1. Siddharth Post author

      Sounds like an important thing to note. Added it to main article. Thanks!

      Reply
    2. Aarush

      Hi Moulin,

      Have you applied through card on card basis, if so could you please tell me how much was your existing card limit.

      Thanks

      Reply
      1. Anand

        Finally, I have got the card and I was very happy with the whole process. It was quick and the credit limit given is also high. I have got 3 cards such as credit card, dine out plus card and Priority pass card all packed in neat envelop. The whole process took 2.5 weeks and I have the card in my hand in yesterday. I was expecting Visa variant, but I received MasterCard variant.

        Overall I am happy.

        Reply
        1. Sharathkumar Anbu

          Hi Anand,

          Do you mind telling how did you apply for this credit card?

          With ITR or Card to card?

          If card to card, What is the credit limit required on the existing credit card?

          For ITR, In the SC website, I just tried entering random salary more than 24 Lakhs per year, But even then the website always shows that you are eligible for other cards but not Ultimate card.

          Reply
          1. Aarush

            Hi Sharath,

            I have applied based on my payslip. Just like you, I too entered my salary details on SCB portal, and portal showed that I am eligible for Emirates Card. But next day customer service called me to process the card, I told her I am interested in Ultimate card not Emirates one. I was short of 20k-30k for 2 lakh take home salary and CC checked with her manager and confirmed that I am eligible even though I was short by few thousand. I recommend you enter 2 lakh salary and when CC calls you, tell them that you are interest in Ultimate Card and if you are eligible they will be sending you ultimate card application to fill it and after residential verification you will get the card. Do not go with what portal shows, SCB online services aren’t good.

      2. Mouli

        Aarush,

        I am having Standard Chartered Manhattan Credit card fort years and I got offer to enhance limit to 3L
        After that ,with the enhanced limit I applied for Ultimate card and received it

        Additional Info:

        Applying for Supplementary card id bit complicated when you compare with other cards
        Unlike other cards,in SCB they consider supplementary card as separate and generate statement also separately
        First time, i missed to pay the supplementary card due thinking that primary card statement is a consolidated one like most other credit cards

        Thanks,
        Mouli

        Reply
  119. Nitin Khanna

    Got my limit enhanced today, by exactly 100% as a totally system driven process in exactly 6 months from the date of issue. The earlier limit was a ridiculous Rs 72k , even though I had applied on card-on-card basis (Citibank card with limit >10L). Despite several requests and inquiries , I was told that nothing would happen before 6 months are completed. For those 6 months, used it more as a debit card rather than a credit card, but thankfully now, it has been enhanced (probably owing to high level of expenses) by default

    Reply
  120. Saksham dhawan

    I applied for the card and the executive told me that I can get this card based on my HDFC diners Black (8 lacs limit). I provided the latest statement for the card. Shockingly, they are asking me to send a picture of the front of my card. I don’t think it is safe to expose your card digits and expiry month and year. Has anyone else faced the same ?

    Reply
    1. Datta1108

      Yes, when I applied my YFP card , they too ask for existing card’s photo and you have no option but to provide to them. Just make sure they do not see the CVV number on back of card. In my opinion, they can’t misuse the card as they need OTP to process any transaction, which would be sent to your registered mobile.
      This is the Best Card in Terms of Rewards and Benefits, Go for it.

      Reply
      1. Anoop E S

        OTP is not required on international websites. Just card number, date of expiry and CVV

        Reply
    2. Siddharth Post author

      Its normal for them to ask with Card-on-card applications.

      It may get into wrong hands. Consider replacing your card after a month.

      Reply
      1. Saksham Dhawan

        Yes right. Even SBI asked for a front picture of the card, so looks like a normal process. As a precaution, I have disabled international access (though CVV was anyway not exposed) and will get the card replaced after a month 🙂

        Reply
  121. Amann

    Hi Sid
    Need to know if anyone SCB ULTIMATE card without joining fees. If it’s even possible.

    Reply
  122. Gaurav Malik

    Have they stopped Add On Card applications on this card. Wanted to understand how can they do it. Spoke to the executive as wanted to apply for an add on for my wife. Told her she is working and can submit ITR as well but he claimed that as a process only for this card we have stopped Add On?

    Reply
    1. Hari

      Gaurav, you need to visit a bank branch and submit an application for a supplementary card.

      Reply
  123. Prashant Gupta

    Is domestic lonunge access free for addon card holders. Do we need to do 20k on add on also for international lounge access. Is this card worth applying…….i am about to apply for it card in card basis.

    Reply
    1. Atul

      Yes, For any add on card the spend limit has to be achieved before free international lounge access is given.

      Reply
  124. Prashant Gupta

    Finally got my ultimate card today. Applied card in card basis DCB. Got within 2 weeks of applying but limit is less than 1/4 of DCB. Its mastercard as they are not issuing visa these days. So now yes prefered will sit in idle till i get upgraded to exclusive. Was hoping to upgrade dxb to infinia but i think ultimate gives the same reward + i nees to pay more taxes for infinia per year.

    Btw the packaging has card+PP+dineout plus card. So now i have dineout gourmet membership and plus both and to top it i have zomato gold and free invite for easydiner plus membership courtesy Amex.

    Reply
  125. Prashant Gupta

    received offer from SCB. Spend 15K or from 5 oct-5Nov get 1% cashback and spend 85k or more and get 1.5% cashback. A perfect start for my ultimate card.

    Reply
    1. Mouli

      Seems its a targeted offer,I haven’t received any communication.I make high spend on this card
      Checked with customer care also and they confirmed the same

      Reply
      1. Siddharth Post author

        But T&C says:
        Qualified Customer: The offer is open to “all” Standard Chartered Credit Card holders who meet the eligibility criteria

        Reply
  126. Sandy

    Wanted to clarify regarding the forex markup in this card. On my recent trip, all the forex transactions earned the regular 3.3% points in addition to the 1.5% cashback which comes in next month. Hence, it significantly outstrips the benefits of HDFC Regalia for forex transactions, giving net gain of 1.73%. Please see the calculations below and correct me if I am wrong.

    Stanc Ultimate:
    Forex fee: [3.5% (conv fee) + 0.63% (GST)] minus [1.5% (cashback) + 3.3% (reward points)] = Net gain of 0.67%

    HDFC Regalia:
    Forex fee: [2% (conv fee) + 0.36% (GST)] minus [1.3% (reward points)] = Net loss of 1.06%

    Reply
  127. Rohit

    The options for redeeming reward points have reduced recently. No Amazon vouchers, flipkart also keeps going in and out. What do you guys think, is this card worth renewal 5K?

    Reply
    1. Datta1108

      Definitely, it’s worth! Amazon and Flipkart get replenished from time to time! Its not like Yes bank which has permanently removed them! I have stopped using YFP card!

      Reply
  128. Gowrishankar

    My biggest issue with credit cards is that we overspend. To counter this, we just park our monthly budget into a separate bank account and use from there. Stopped using credit cards these days.

    However with all these offers, it is becoming hard to ignore cc benefits. I am getting this scb ultimate card as it seems like a net profit with the make my trip offer and i have some travel coming up invariably.

    Questions
    1. Can i set a lower spend limit on my credit card to ensure we stick to our budgets? Approx 50k-1L range.
    2. Is MMT offer credited as Cash back into my credit card account that can be adjusted against outstanding dues?
    3. Are there any good online offers with this card? I spend a good.l Deal online.

    Reply

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