Standard Chartered Ultimate Credit Card [Old Review]

By | February 27, 2023

Below content is outdated, kindly refer o the latest review here: Standard Chartered Ultimate Credit Card Review

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 segment with a really catchy design & reward rate. 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.5 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 Yesbank credit cards. Well, lets dive into the actual benefits.

Welcome Bonus

  • Rs.10,000 Cashback – on spending at MakeMyTrip(MMT) Hotels
  • This Offer is valid only for the first transaction on MMT.
  • 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.

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%

That means 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 (temporary benefit).

Airport Lounge Access

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

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 Benefits

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

How to Get?

You can get SC Ultimate credit card card on card basis, based on your existing credit card from other bank with a minimum available credit limit of 5 Lakhs on it.

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!

1,223 thoughts on “Standard Chartered Ultimate Credit Card [Old 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
      1. Shail

        Siddharth, I heard that Diners black card could be offered LTF for some select accounts. If that’s true and given DCB has a similar reward rate (or even better) as this card, wish SC ultimate is offered LTF for select accounts.

        Reply
        1. Mouli

          I am having DCB ,Yes First Exclusive and Amex Platinum Travel card as LTF
          I have SC Ultimate card but its a paid variant and I never heard anyone having this card LTF

          Reply
          1. GTMAX

            Hey Mouli,

            These is an amazing collection of cards to hold. DCB you might have been able to get LTF because of the banking relationship with HDFC and through your RM. But really curious to know how did you manage to get Amex Platinum Travel as LTF? 🙂

          2. Gagan

            Wow.. Pls share the tricks & tips here Mouli

            For me even with high TRV have not been able to get DCB LTF.

          3. Raheela

            How do you get the Amex platinum as ltf that’s long term free?
            Pls explain thanks

      2. Amitabh Maheshwari

        Renewal fee is not an issue as you get 5000 points for ₹ 5000 that you pay as renewal fee. GST on fee is of course extra.

        Reply
      1. Yogesh Bhatia

        Dear Siddharth,
        By renewal do you mean annual renewal or new card post expiry of its validity. I have been charged renewal fee this billing cycle, however equivalent reward points have not been credited.

        Thanks.

        Reply
      2. Kapil

        When do we get the renewal benefit? The annual fees was billed in my last statement. I still haven’t got the renewal benefit?

        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
        1. JAYDEEP LIMBAD

          As per conversion with SC CC team
          If you have a higher limit card and you are a salaried person and your company is listed in the SC Bank list then you get this card.

          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
    2. Arvind Kumar Baranwal

      Guys beware of their complementary golf benefit. Their concierge desk will charge you Rs. 500+ as a convenience fee for booking a game. So, it’s not complementary exactly. Such is not the case with other cards like diners black where there is no such convenience fee. The support team at standard chartered Bank didn’t know abt this and after checking this for 4 days, they came back defensively saying that yes convenience fee is charged and it was mentioned in the terms and conditions.

      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
      1. Rajeev

        Hi Rahul,

        What do you mean by 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.

        How I can get Ultimate by doing 1 INR transaction on my existing standard chartered card?

        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
    4. Rajeev

      Dhanush,

      What do you mean by doing 1 INR transaction on existing standard chartered card?

      How I can get Ultimate by doing 1 INR transaction on my existing standard chartered card?

      Reply
    5. Rajeev

      Hi Dhanush,

      What do you mean by doing 1 INR transaction on existing standard chartered card?

      How I can get Ultimate by doing 1 INR transaction on my existing standard chartered card?

      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 [email protected] 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
    1. Rajeev

      Hi Q,

      How you managed to get the offer of Standard Chartered Ultimate without annual or joining fee?

      Request you to guide us.

      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
        1. Rajeev

          Hi Tathagat,

          You mentioned that “I am being offered SCB Ultimate LTF ”

          Have you received this card? Also request you to share how you managed to get the offer of Ultimate LTF (Life Time Free)
          Do you have any existing relationship with Standard Chartered? Ples share in details how you managed to get LTF offer for this card?

          I would love to get the same 🙂

          Thanks

          Reply
        2. Rajeev

          Hello Tathagat

          I doubt that Standard Chartered has offered Ultimate credit card without annual or joining fee.

          I have spoken to my RM at Standard Chartered and came to know that the bank doesn’t offer Ultimate without fee.

          Thanks

          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
    2. Rohit

      SBI Elite is good for movie lovers..it gives free tickets every month.

      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
    1. Ravinder Kumar

      Can we redeem the reward points in cash i.e. can we adjust it in bill and if so what will the value of one reward point in ultimate card in cash redemption. Also do we get reward point on same rate i.e. 4 point of Rs.150/- on paytm/Amazon wallet load and fuels. Do we get Flipkart or Amazon voucher on point redemption.

      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
    1. Praveen Katiyar

      I have YFE issued LTF to me. Given the recent devaluation on earning points what do u suggest ? Should i go for this card by paying 5k fee ?

      Since you hold YFE it will be a fair assessment.

      Thnks in advance.

      Reply
      1. Prashant Gupta

        Effective annual fee is only Rs900 as you get nack 5k as points.

        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 ([email protected]) 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
    3. Somu

      It’s a coms thing, stating 5X rewards per INR 150. It doesn’t mean you get 25 points per INR 150.

      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
      1. Faraaz

        Don’t make a transaction with this card, right? You can still use other cards to book on MMT and stay before the said trip booked with SC card comes up.

        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
    3. Mouli

      After a long battle finally I got the cashback for my first transaction that is 10000

      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
    3. Harmohan

      Saksham

      I work for HDFC Bank (Credit Card Dept). I have processed a number of applications. I have helped Standard Chartered South Head in applying HDFC Card through Card on Card basis. We do take the front copy of the credit card. Earlier I used to work with SBI Card. They have the same policies as in HDFC Bank. It is completely safe to provide only the front side copy of your existing credit card. But kindly note – They must not ask for the rear side copy of the card.

      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
    1. Anoop E S

      Dear Prashant

      What was the limit criteria they insisted on DCB? Plus any requirement for unutilised limit %?

      Reply
      1. Prashant Gupta

        It was Rs.5L on DCB. I had much more than that. No income docs required.

        Reply
      2. Ashwin

        Also let us know how to apply on card on card basis apart from the limit required on existing non-SCB card.

        Reply
      3. Ramesh Kumar

        Yes, unused limit should be greater than Rs.5 lakhs and in case of total card limit of Rs.5 lakhs, then usage should be less than 10%(that’s Rs.4.5 lakhs). But for existing SBC customer they’re asking for Rs.24 lakhs per annum or Rs.5 lakhs(~3 months ago it’s Rs.3 lakhs) limit.

        Reply
    2. Guneet Sachdev

      Trust me MasterCard is better then visa card and if you travel and use your card at lounge they accept master + amex more happily then the visa

      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
    1. Shivi

      StanC Ultimate is in the league of HDFC Infinia and/or YF Exclusive and not HDFC Regalia. If you compare Ultimate with Infinia, Infinia wins hands down. Even in the case of Regalia, you have not taken into account HDFC Global Value Program which gives you 1% cashback on all International spends; which in turn brings down the effective “loss” of using Regalia to a meagre 0.06% that is Rs.60 on 1 Lakh spend!

      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
    1. Datta1108

      1. Need to check with SC as in App/online there is no option to restrict CC limit like, HDFC
      2. Yes
      3. Uber offer was good but now it’s not extended. There are few dining options along with dineout. You can refer SC website for details

      Reply
      1. Atul

        CC representative told me that the Uber offer is extended till Sep, 2019 for Ultimate card. Terms and conditions remain same as the existing offer.

        Reply
        1. Datta1108

          Uber offer is not extended. It was a global tie-up with SC which was valid in India as well. You can check SC website as well as Uber, the offer is not there in both places.
          Uber has introduced Gift cards on Paytm and I think they would be providing offers through it.

          Reply
    2. Amex Guy

      I’m not sure which cards you own, but at least on Amex and Citi, you can put hard spending limit and/or notifications when you exceed a certain amount. Amex also lets you get periodic reports of current balance on card. You can use these tools to be budget strict.

      I’m almost certain HDFC has something similar. I’m forgetting if it was for all spend of just forex.

      Reply
  129. Suresh

    Currently am working outside of India , so no Indian salary proof can be shown as part of applying any cards in India.
    But my spendings are still there in India as well?

    Can I just show another credit card statement without pay slips while applying for this as I am elgible for this as per card to card?

    Reply
    1. Datta1108

      You need to be physically present in India to apply for the card, as you need to sign the application form. Even though you manage to apply online how are you planning to receive the card?

      Reply
      1. Suresh

        Intermittently I will be coming to India to sign the form and I still have house at India to recieve the card where they deliver cards by showing one xeros proof of mine.(Already did for my upgraded card for my Yes First Exclusive).

        The problem here is they ask for latest Indian Pay Slips which I cant produce…but I have other credit cards where I can show as card to card.

        Reply
  130. samit

    They have removed Amazon and Flipkart voucher redemption from Ultimate card.

    Reply
    1. Mouli

      They haven’t removed.Seems vouchers are over and it will be again probably by tomorrow or in another couple of days
      It happened in the past also

      Reply
  131. Sakthi

    is there any communication for the same?? Vouchers are replenished time to time in the past…I redeemed 2000 Rs Amazon voucher last week also.

    Reply
  132. Prashant Gupta

    Cam someome confirm whether the domestic lounge access is free for supplementary card holders. I have world mastercard version.

    Reply
    1. Rajnish

      Yes. It’s free confirmed with CC. You will get 2 lounge access per quarter for the supplementary card holder.

      Reply
  133. Jatt

    As someone here in the comments section posted that the reward points are capped at 1000 points per month. just want to confirm if this indeed is the case ? 1000 points per statement cycle doesn’t very rewarding for a Premium card.

    Reply
    1. Amar

      Yes – I got it charged this month.
      Awaiting corresponding reward points.

      Reply
          1. Hari

            Ok. I got mine in September last year. I haven’t been charged any annual fee till date.

          2. Datta1108

            Thanks Hari.
            I have called CC and asked for a waiver, CC took my request and said they would get back through SMS.

            SC Ultimate is my primary card and most of my spending in on this card, except when there is better offer on my other cards

          3. Datta1108

            Just got a response from SC. They declined to reverse Annual charges on SC Ultimate card. Anyways I was not that hopeful for reversal, although I have spent more than 8L on this card. I think Hari was lucky to get these charges reversed.

    2. Jatin Kaka

      I was charged a weird amount of 4583+18%GST, wondering if its same for others?

      Reply
    3. Rajeev

      Hello Hari,

      How you managed the reversal of renewal fee on Ultimate? Do you hold any special relationship with Standard Chartered?

      I assume if your got the renewal fee reversed then the renewal benefit of 5000 reward points was also got deducted. am I right?

      Thanks

      Reply
  134. Jatt

    Do they restock Amazon and flipkart vouchers every week? I’ve been keeping an eye on the ultimate rewards page for couple of days now still can’t find Amazon or flipkart vouchers. Meanwhile there are vouchers available for other card points which are obviously priced much higher.

    Reply
  135. Rahul

    So one observation i had with the Visa lounge access program with SC Ultimate was , it doesn’t work in all the 31 lounges mentioned in Visa. I have tried swiping it at Coimbatore and Kochi and SC isn’t authorised there. However, my SBI VISA signature card works just fine in these lounges.

    Reply
  136. HitchHawk

    Salary of 24 lakhs per annum for new customers.
    Credit Limit of 5 Lakhs for existing customers.

    Reply
  137. vinay

    Their rewards points redemption list is different for Ultimate and other cards. While list for other cards include Amazon and Flipkart, they are missing for Ultimate card. However, they have some good gift cards like Bigbazaar, cleartrip, Chroma etc, which you can use regularly.

    Reply
        1. Ramesh Kumar

          Yes, it’s stock out within few hours, maybe many users redeemed in bluk like I did.

          Reply
  138. Gaurav Malik

    Has anyone been charged for Renewal fees. My renewal was due in Sept but have not been charged in Oct and in Nov cycle. I am a little confused, do I call the call centre and check or keep waiting. I actually want to see what benefit would they provide as I have spent above 10L on this card

    Reply
  139. Toshi

    Hari, on what basis was your renewal fee reversed? Is it based on the spends on the card in the previous year? Thanks

    Reply
    1. Hari

      I just requested them to waive it. They took the request and processed it the next day. I have 7 yrs of relationship with them ( only CC) and put most of my spends on this card.

      Reply
      1. A2Z

        Please check your statement again
        Are you sure they waived it
        For me they first charged it on statement day & then charged again few days later & then reversed that part
        So just check if reversal you got is for original fee or they charged you too twice
        If your fees is waived then it will be rare exception as SCB CC clearly told that for this card they are not processing any waiver

        Reply
      2. GG

        Hari,

        Did you get 5000 reward points after renewal, after reversal of annual fee?

        Regards
        GG

        Reply
  140. Manikanta

    I’m not able to find Amazon/Flipkart gvs in Ultimate Tab for a long time. Almost everyday I’m looking for the vouchers to claim. Initially I thought they might be oos. But now I doubt whether SC removed those gvs completely from Ultimate rewards. Do anyone have any idea about this?

    Reply
    1. Ramesh Kumar

      Rs.2K amazon vouchers were available on 15/11/2018 evening for few hours.

      Reply
  141. Suresh

    i enquired with the SC customer care and they informed that amazon/flipkart vouchers are disabled for ultimate.

    Reply
    1. Ramesh Kumar

      I have redeemed 26K worth amazon vouchers on 15/11/2018, also my office colleague redeemed 4K worth amazon vouchers on same day.

      Reply
      1. Suresh

        Good for you. i am also trying to redeem 15k for last one month, but not successful.

        Reply
    2. Datta1108

      Ohhh….If that is the case then no point in paying 5K fees for this card even though it offers 3.3% returns. AZ/FK gift cards were making this card value proposition!

      Has anyone else called CC to confirm if its true?

      Reply
  142. Manikanta Kamisetty

    Checked with SC CC just now regarding Amazon/Flipkart GVs in Ultimate tab, they have confirmed that these GVs are not PERMANENTLY removed from Ultimate tab, but are just OOS and their Technical team is already working on this. May be in next month start they might come to stock as per them.

    Reply
  143. Ajay

    I am seeing Flipkart eVouchers (value 5K) but Amazon vouchers are still not available. Therefore the update of Flipkart/Amazon vouchers getting discontinued doesn’t seem to be true.

    Reply
    1. Datta1108

      Yeah, I can see it, but I am looking for AZ GV as that from where I do most my shopping. I buy from FK only during BBD, as most of the times, AZ beats FK on price as well as Delivery time!

      I too called CC and they told me these GV’s should be back soon. Let’s see!

      Reply
      1. Datta1108

        They are available under Instant rewards not under Ultimate Tab. Not sure why SC is not adding them under Ultimate Tab!

        Reply
        1. Siddharth Post author

          Either SC will limit vouchers or they’ll reduce the reward rate in long run. Banks don’t like people redeeming vouchers. Its against the reward points business model 😉

          Reply
          1. Datta1108

            Absolutely! I sense they would soon devalue this card as its been a year since it has been launched! The 3.3% flat return on a card is unheard of.

            I spend everything on this card as I know I get 3.3% return and can use it to avail AZ GV’s from where I do the bulk of my shopping.

            In fact it’s not just 3.3% return but GV’s redemption options like FK and AZ make it a value proposition.

          2. A2

            SCB had previously laucnhed Breeze Banking Credit Card with 10x rewards & 1 year later changing to 5x
            They continued the card for 2-3 years post which finally they withdrew
            So same fate would be met by Ultimate card as well

            Also SCB had taken over Barclays but they let Times card go out of their pocket which was superb card for movie goers

      2. Gaurav Malik

        They would only let me add only one Amazon voucher for redemption and unlimited for Shoppers stop or any other brand. Every time I redeem I think we would be charged Rs 99. Please correct me if I am wrong. that means if I have to redeem 10 Amazon vouchers I would need to pay Rs 990.

        Reply
        1. Datta1108

          No! Those Rs. 99 charges for physical GV’s. For eGV’s like Amazon, there are no charges! Might be Amazon GV’s are not in stock, as most folks like me redeemed them!

          Reply
  144. Ashwin

    If 3.3% reward rate is devalued and Amazon GV redemption are removed, I can bet you that the number of people applying for this card will come down and also existing card holders will spend their money elsewhere. Case in point being Yes First cards.

    Reply
  145. Nitin Khanna

    Just redeemed points for Amazon 2k vouchers… you guys may hurry up before it goes out of stock again

    Reply
  146. Soumit

    Till now this is a perfect card for me. Purchased a car with this. 3.3 % reward almost 30k. Redeemed with 20k FV and 10k Amazon. Also before the purchase got a message over 98k spend 1.5% unlimited cashback. So I am expecting around 13k cashback within Feb. Let’s see how long scb continue this reward rate.

    Reply
    1. Datta1108

      WoW! You have taken to the next level! Car dealer did not charge you anything for using CC?
      A few days back I bought Vespa and dealer was charging 2% for using CC, but then I booked from Paytm without any charges and got cashback for this booking as well as few coupons!

      Reply
  147. Prashant Gupta

    I had applied for 3 supplementary card. Received Rs500 bookmyshow voucher for 1 of them. Waiting for vouchers for other 2. The offer is applicable on online applocation.

    Reply
  148. Soumit

    Initially asked me 1.5 % charge for cc payment.. But as part of the negotiation managed to remove the charges.

    Reply
  149. Dheeraj Gupta

    Hello@Prashant Gupta
    Can u pls Tell whether the Supplementary card u received has same 16 Digit number or different?

    Reply
    1. Mouli

      Dheeraj

      It has different 16 digit numbers and you can avail BMS Infinite offers additionally on supplementary card also
      Even you need to make payment separately for supplementary card and statement will also be separate

      Reply
  150. SHILADITYA CHAUDHURY

    Guys,

    I am almost on the verge of applying for this card.
    Since the card has joining and renewal fees, I am being extra cautious. My primary reason for applying for this card is redemption through Amazon or Flipkart vouchers but looks like availability of these vouchers is a pain.
    Can someone please confirm how bad is this issue? I don’t think I can check the availability of vouchers every day in their website.
    My decision will depend on this factor as the reward rate is very good.
    Has anyone been able to get this card free? Or any way to waive off the renewal fees?

    Reply
    1. Datta1108

      Till a few months back there were no issues with AZ/FK GV’s and whenever they were OOS they where added within a few days, but since a month or so they are added randomly and gets OOS fast, looks like they are adding very few purposely as they have added other options like Merchandise under Ultimate Tab.
      I am also looking for the redemption of points and waiting for these vouchers to come. To be frank I am too using this card for AZ/FK GV’s as they make a lot of value proposition.

      I tried for a fee waiver but could not succeed. Only Hari on this forum was lucky to get it to waive off and I think it was a mistake from someone from SC side and they realized later.

      Reply
    2. RKR

      3/4 months before, it was not a problem but of late more people are redeeming these vouchers and hence out of stock most of the times. But anyway you can wait for it.
      Renewal fees reversed for me by talking to CC

      Reply
  151. Dinesh

    I have a question. The MakeMyTrip offer – Is it applicable for the FIRST EVER transaction on MMT or the first transaction made using the SCB Ultimate card? E.g One might have used MMT several times via other cards. But, will the offer be applicable for the first transaction via Ultimate card?

    Reply
    1. Datta1108

      First transaction on SC Ultimate card. You can use old MMT account, as I have done same and got cashback. Make sure the transaction is for 10k or more to maximize the benefit

      Reply
    2. Mouli

      Dinesh,

      Offer is for first transaction using Ultimate card in MMT.
      Even if you have done multiple transactions in the MMT account using other cards is not an issue. All it counts is first Ultimate card transaction in MMT

      Reply
  152. Manikanta

    @Dinesh
    The offer is applicable on the first transaction you do in MMT via Ultimate card no matter you would have already done some MMT bookings through other cards.

    Reply
  153. Prashant Gupta

    Please make sure to clear dues in each supplementary card individually and not at the consol level in the primary card. My primary account was showing less payment whereas i had made the payment in the supplementary card. The customer card took my request and transfered the amount to the primary account from supplementary account. This is ridiculous i was told that all the cards are basically separate card with shared limits.
    Domestic lounge access: All the cards share the limit of 4 per quarter.

    i have received limit enhancement offer with 6 weeks of card setup. limit increase by 1.5l.

    Reply
  154. Mukund Nair

    Got my Ultimate card last week with a good enough limit of 5 Lacs. (Have a HDFC Jet with the same limit). Yet to start making the big spends on it. Let’s see how that goes. Being from Chennai the Dineout is a waste. Rest should all be ok.
    1. Can anyone nonetheless tell me how the reward system works for instant redemption on air tickets? As far as HDFC is concerned they have a dedicated website for Infinia and Regalia.
    2. Here for convertion too I saw only Jetairways as the partner. Are there more partners or only Jet?

    Reply
  155. Rohit

    I paid my renewal charges of 5,000/- in Nov but still waiting for the 5k points even though my Dec statement has already been generated. How long does it take for credit of those 5k points?

    Reply
      1. Rohit

        I inquired from them and they keep telling me the credit of points happens in 60 days.

        Reply
        1. GG

          Hi Rohit,
          Reward points credited to the account immediately in a day after the annual fee was levied. Also, the annual fee was ~4584 INR, not 5000 INR.

          Regards, GG

          Reply
  156. SHILADITYA CHAUDHURY

    Looks like you have to check for vouchers daily if you want to redeem.
    Dont you guys think its such a pain for a super premium card?
    I was deciding between this one and the Diners Black, decided to go for the Diners black finally.
    Another advantage is that Diners black has a spend-based waiver for renewal and normally the first year is free.

    It’s a good effort from Stan Chart. I will probably go for this card later if they can offer it life time free or with spend based waivers for renewal.

    Reply
  157. Sanjay

    Amazon and Flipkart vouchers are rarely available. Now cleartrip, yatra and bigbazar vouchers are also missing. SC is luring and then trapping customers.

    Reply
  158. jitendra saraogi

    i am not able to click ultimate tab in 360rewards site.
    if anybody has faced same issue?

    Reply
  159. Shivi

    Can anybody update me if there is an option to manage/edit/turn off your credit card or modify domestic/International limits etc. on an SC credit card?

    Reply
  160. Rashid

    Just got by SC Ultimate card approved… Can anyone confirm whether we can book flights under welcome bonus and get Cashback of 10000. Or is cash back applicable only for Hotel bookings?

    Reply
  161. Rashid

    Is mmt Cashback applicable for flight booking as well?
    Has anyone booked flight and got Cashback of 10k?

    Reply
  162. Sharathkumar Anbu

    Hello everyone,

    Few quick questions:

    1. I have applied for SC Ultimate card on card to card basis. I submitted the documents 3 days back. I am yet to get any verification call. I am just wondering if there will be any verification call or they will process the application without any verification call?

    2. Will SC report the credit limit to CIBIL? As far as I have seen HDFC, IndusInd, Amex doesn’t report credit limit to CIBIL whereas HSBC, SBI, Citi reports the credit limit to CIBIL.

    3. Did anyone made payment through CRED App for SC cards? If Yes, What is the turn around time for payment to get credited?

    Looking forward for your support in getting answers. Thank you

    Reply
    1. Ramesh Kumar

      SCB’s application status tracking is waste, even after receiving the card it’ll show as ‘Under processing’. So maybe you need to followup with sales executive(who collected the documents) to know the status, if you’re not receiving the card within 5 working days.

      Reply
  163. Manikanta

    @Rashid
    Yes MMT cashback is valid for Flight booking also. I made booking in MMT for flight(1st payment through Ultimate in MMT) for 8.8k and got full cb 40 days after the travel.

    Reply
    1. Rashid

      @Manikanta…thanks alot.
      Just to share.. I am amazed at the speed of SCB. I applied for upgrade on my exiting SCB card and received ultimate card on 4th day.

      Reply
  164. Manikanta

    @Sharathkumar
    2. SC will report credit limit to CIBIL
    3. I have made payments to SC card through CRED, it’ll get reflected by next day(if done on weekday)

    Reply
  165. Sharathkumar Anbu

    Hurray! I got the SC Ultimate card today. The processing was super fast.

    26th December 2018 – Tried to apply in SC online website, but the website was throwing error, hence left

    27th December 2018 – Got call from application team, they applied online and got in-principle approval. Applied with DCB 5 Lakhs limit and Available limit was around 4.67 Lakhs. They have asked about available limit multiple times. On the same day evening documents were collected.

    31st December 2018 – Received verification call

    2nd January 2018 – Received approval message

    3rd January 2018 – Received the card in hand

    Also as @Rameshkumar said, The online application website still says that the application is under process. The website is funny.

    They have given the same credit limit 5 Lakhs as HDFC card. I am so happy and excited to receive this card and this is going to be my primary card for all spends except Smart buy and 10x Merchants of DCB.

    Thank you all for your inputs.

    Reply
    1. Binay

      Is it Life Time Free for you?
      @Siddarth, do you know of any way to make it LTF ?

      Reply
      1. Sharathkumar Anbu

        It’s not possible to make it LTF AFAIK. May be if you are priority or private banking Customer of SC, they may consider such request I guess, Not sure.

        Reply
        1. prashant

          hi Sharathkumar Anbu
          I am also interested to apply this card can you share some information
          1) you are self employed or salaried
          2) Is ITR mandatory if we want to apply card on card basis
          3)any relationship with slandered charted bank

          I heard sc rejecting application without good reason , my friend got rejected his CIBIL was 829 and applied on card card basis card limit was 6.79L at that time self employed

          Reply
      2. Mouli

        its not LTF for any, as they are offering good joining benefit ok 10k from MMT and 3.3 % reward rate

        Reply
    2. Murali Krishna

      It has been 20 days since I applied for this. Still showing under process when I track the status. I have no clue whom to reach regarding this. I have applied on Amex platinum travel with 5.5 L Limit.

      Reply
  166. Parmeshwar

    The Ultimate card reward site is down since 2nd Jan. Always under maintenance.

    Reply
  167. Gaurav Malik

    Hi, It has been working for me…have redeemed quite a few number of GV’s in the last 2 days.

    Reply
  168. Sam

    Is Ultimate redemption page working, as Parmeshwar mentioned t is showing under maintenance for me too, not showing any of the accumulated reward points since last several days?

    Reply
  169. Tejas Ghongadi

    I have applied for the SCB Ultimate card on a Card on Card Basis against my HDFC Regalia Card. I already have a couple of LTF SCB cards (Platinum Rewards & Super Value Titanium) both of which I have hardly used due to the reward rate.

    I was going through SCB websites & some other websites. Some of the Queries that come to my mind and could not find any answer in the above discussions are:

    1. Since Ultimate Card Reward points conversion rate is 1:1, do the reward points requirement for individual items on 360 Degree Rewards change once I have Ultimate Card? For example, currently Flipkart Vouchers for Rs. 500 needs 1950 Reward Points. Will this change to 500 Points?
    2. One of the card review site mentions 20% Cashback on Uber rides till 31-Dec-2020. Can anybody confirm this?
    3. Are Concierge Services chargeable (General question for all cards)? I never happened to use this service on any card.
    4. Does this card have a Fuel Surcharge Waiver?

    Reply
    1. Datta1108

      1. For Ultimate Card there is separate “Ultimate” Tab under rewards section. Where you would see the option of 2k AZ/FK GV’s for 2000 points
      2. Uber offer is closed. So no benefits.
      3. Never used so can’t comment. In fact, I am also looking for the answer for this.
      4. Its generally 1 %, but I have observed if you fill petrol of less amount (like in Bike) say 400 or 500 they charge 2-3%. I called them to check and CC told me they don’t charge anything it’s the Petrol Pump swipe machine decides those charges, which I don’t think was true. Although you get reward points for fuel spends. Keep in mind if fill fuel for less amount its as good as there are no rewards.

      Reply
      1. Tejas Ghongadi

        I got my Ultimate card today. The Uber benefit is still open as per the benefits indicated. The offer expiry date is 31-Dec-2020.

        Reply
        1. Murali

          As SCB Website, UBER Promotion Ended

          I see new offer from SCB for OLA.

          “Offer: The Offer means Standard Chartered Credit Card holders (“Cardholders”) who will spend a minimum of INR 15,000 on their credit card (all spends will included) in a calendar month only will be eligible to get a 10% cash back by using SCB credit card for making payment for their rides on Ola App; max cash back per month per client will be INR 300 (“Offer”)
          Offer Period: 10th January 2019 till 10th July 2019″

          Reply
          1. Datta1108

            Yeah they switched to Ola, which I am not a big fan! Uber fares are always less than Ola most of the times! Better buy Uber GV’s at discount from AZ and use them for payments!

          2. Tejas Ghongadi

            Surprising because the Uber Offer I have indicated is printed in the Credit Card I received with the expiry date clearly mentioned as 31-Dec-2020. 20% cashback as against the 10% cashback indicated for the Ola as per the above message.

            The condition of 15K spends per month remains as is.

          3. Tejas Ghongadi

            It categorically says 20% Cashback on Uber rides in the benefits Pamplet received by me alongwith the card. Offer Expiry – 31-Dec-2020. Unfortunately cant upload a photo over here.

            I also happened to have some 4000-odd reward points from my old SCB Card. Ideally, this should have been converted to around 1300 Reward Points when getting transferred to Ultimate. It didnt. I ended up getting two vouchers of 2000 Rs. each.

    2. Tejas Ghongadi

      My Application for approved on the Card-On-Card Basis also assisted by the fact that my Salary Account is with SCB for the last 7 years. Again, from the Credit Card Number I am seeing on the Internet Banking Website, it is a Master Card & not a Visa variant.

      I want to understand the scene of Domestic Airports Lounge access on the MasterCard variant. Does it work differently? Are the Lounges different or same.

      Reply
      1. Rashid

        Master is better for lounge access.. More lounge accept master than visa and master gives u unlimited number of access

        Reply
  170. Rachit Kulshreshtha

    Hey Guys! The ₹2,000 amazon vouchers are available, I redeemed my points for 10 vouchers yesterday – valid for next 12 months.

    Reply
  171. Prashant Gupta

    Thanks for letting us know. Redeemed 10K points. I hope to get vouchers as mentioned in 24 hrs.

    Reply
  172. Pawan

    @Tejas how much is your existing regaliaa limit?
    Also what min limit was mentioned by exec for card on card aplication of this card?

    Reply
    1. Tejas Ghongadi

      5 Lacs. They did not mention anything. Just asked me my limit on Regalia Card and then said I am eligible for the card-on-card upgrade. They gave me the same limit on the Ultimate card as Regalia.

      Reply
  173. Ankur

    I’m looking for a high value rewards return card since my Annual purchases go into 7-9 lakhs but my Annual Salary is 9L. Since, I’m able to spend this much because I cover in my family expenses and they help me pay for it.

    Most of the high rewards cards I checked don’t make me eligible, I’m currently holding a Regalia First credit card with a decent 2.3L limit.

    Please advise the best card for me that can return me the most for 7-9 lakh annual spends.

    Reply
    1. Amex Guy

      Amex MRCC/Gold/Plat Travel trifecta. Put all 10X possibilities on HDFC and rest on Amex. Upgrade Regalia to Diners Premium.

      Reply
      1. S K

        Wouldn’t yearly fees on Amex MRCC, Gold, and Plat Travel significantly reduce earnings?
        And at what level does amex nowadays offer fee waiver on Gold and Plat Travel?

        Reply
    2. Tejas Ghongadi

      You can look at the SBI Elite Card which is slightly above the HDFC Regalia First. The Reward conversion rate is 4:1, but bonus reward points are quite good.

      Spending 8L yearly, would get you 50K Bonus Reward Points (10K at 3L, 10K at 4L, 15K at 5L & 15K at 8L) which is equivalent to 17.5K Credit on statement. Crossing 10L annual spends reverses the Annual fee.

      Two free movie tickets every month thru book my show (Maximum 500 Rs. discount if ticket price above 250 per ticket). This itself covers the Annual Fee, if you regularly go out for movies.

      Reward Rate of Approx. 2.3%. If you cross 10L spends, reward rate increases to 2.7%.

      Reply
    3. Prashant Gupta

      Upgrade regalia first to regalia. Apply for amex travel card. Amex rewards card.

      Reply
  174. Shyam

    Hey Guys
    need 1 credit card from SC , I am self employed and having SBI Elite with 6L limits , CIBIL is 819, Last time my application got rejected they did not give reason , wanted to apply one more time card on card basis , this time via online application if any one can give input for online procedure and others thing which help for approval of CC, here branch people are not helpful.I dont have any relationship with SC
    thanks

    Reply
  175. A2Z

    Uber 20% cashback offer is still live but ONLY FOR SCB Ultimate Credit Card holders.
    I indeed received for October month & I actually missed noticing it when the same was posted in December month.
    Now SCB Team has confirmed the offer is live till Sep 2019 though their pamplets arriving along with add-on card show 31-Ded-2020. Still one can avail the offer on same terms as before ie min 15000 spends on card & cashback in 60 days.

    Reply
    1. Abhishek Roy

      I’m so relieved to hear that. SCB Ultimate seems to be a great card. They should be making users aware about this on going offer.

      Reply
    2. Datta1108

      This is pathetic! They are promoting Ola in emails and website!
      In fact, I started purchasing Uber gift cards from AZ @ 5% discount for making payments.

      Reply
  176. Sharad

    I have a question. Appreciate if someone can help 🙂
    I have MMT BLACK membership. I have SC Ultimate card and I am not been able to use the 10K cashback joining benefit on MMT (current month is the last month to avail that benefit for me). I have diners black and due to 10x benefit I use smartbuy for flight and hotel bookings. Not the question is……that can I book any 10K flight on MMT….cancel it…..take full refund availing MMT Black benefit and keep 10K refund in MMT Cash plus wallet for future use????? MMT My cash doesn’t have any usage T&C and its just like hard cash lying safe with MMT. Please advise if in this case I will get ultimate 10K cash back or not. Thanks in advance for responding :-)))

    Reply
    1. Amex Guy

      You can’t. SC only credits cash back after travel date, so if you cancel you get nothing. It’s a one page T&C document, read it.

      Reply
    2. Prashant Gupta

      U seem to be intelligent but in this case SC trumps all of us 😉.

      Reply
  177. Anshul

    I recently got SC Ultimate card. Noticed that SC does not send merchant name in transaction alert SMS and email. Also, SMS comes after a long delay, sometime hours later. And email comes days later and sometimes it doesn’t even come!

    Anyone else experencing this as well? Not sending merchant name is not acceptable.

    Reply
    1. manju

      You are right anshul. please check SC mobile app; you will get all details.

      Reply
  178. Purna

    For Joining Benefit , Is it a credit card first transaction or first makemytrip transaction?

    Reply
    1. A2Z

      @Purna
      Do any transaction at makemytrip using Ultimate card to get max 10,000 cashback
      It can be any no. of transaction on your card but on makemytrip it would be first with this card so try to do upto 10k

      Reply
  179. Shubham saxena

    I have a question – are the point credited in SC ultimate is on statement value or on per transaction basis ? My earlier Axis card credited on transactions basis which was a significant disadvantage. Also couldn’t find it explicitly mentioned in any bank website, because i believe it’s very crucial when evaluating cards

    Reply
    1. Tejas

      The Points are credited on a Transaction Basis and not on Statement Value Basis. However, SCB does count points per 30 Rs. instead of the 5 Points per 150 Rs. So effectively, you do not lose out too much on the points even if its calculated on a per transaction basis.

      Reply
    2. Sharathkumar Anbu

      I use Ultimate card. SC calculates point on total bill basis only and not on per transaction basis. And even in total bill basis it gives 1 reward points per 150 Rupees. It is the best card considering reward structure alone.

      Reply
    3. Sharathkumar Anbu

      The points are credited on Total bill basis. I use Ultimate card and I am pretty much sure about it. The card gives 1 reward point per 30 Rupees. That is an excellent reward rate and if you consider only the best card which can be used for everyday expenses too and even high rewarding.

      I am very much happy to hold this card. 🙂

      Reply
  180. Arjun Mahajan

    Standard Chartered credit card bills can not be adjusted through accumulated cashback.

    Had accumulated a cashback of close to 5k on my SC Titanium Card and paid a month’s bill which was less than 5k
    (around 4.5k) by redeeming the cash credit assuming the cashback would offset that month’s statement. The bank has imposed a late fee charge on the card or the mentioned month.

    On questioning the customer care, I’ve learned that SC calculates the Cash Credit in the statement month when they were redeemed. This would mean the next months statement. Found it strange and completely different from what all other banks follow.

    In a nutshell, always pay the amount that is mentioned in the months statement. Cashbacks or any money reversals in the payment duration period are not counted towards that month’s bill.

    Reply
      1. Pawan

        @ shivi not true for citibank. You can ask them if you like. Cashback is adjusted as payment in citi.

        Reply
  181. Tejas Ghongadi

    Has anybody used the 5X Reward Points offer for Insurance Premium Payments?

    I received an SMS indicating validity till 31-Mar-19.

    Reply
    1. GG

      Is this 5x offer applicable on ultimate card? Can you please post the message? Thanks

      Reply
    2. Prashant Gupta

      Is it applicabe for ultimate also as it already gives 5x points. I havent received it. My car insurance is due for renewal and HDFC 2 times reward points offer seems best at the moment.

      Reply
  182. Swapneil

    the limit on existing stan chart CC is 4 lakhs for upgradation to ultimate cc

    Reply
  183. manzb

    Got my Ultimate card few days back basis Card to Card. I have a Manhattan Card owned for more than 7 years or so. The limit earlier for Manhattan card was 3.6 lacs though they have been offering me to increase limit for last few years I never bothered as I hardly use anything more 50-60K from that limit so far. Anyway my initial application was not processed as it seems the limit was less than 5 lacs.

    Then I opted for limit enhancement to 5.4 lacs for Manhattan and once I got the message that limit has been increased, I immediately applied and with 3-4 days I have received the Ultimate card with Dineout plus and Priority pass bundled. My shared limit remains same. Already have booked hotel for 16k using the card at MMT, but used a different account to avoid any confusion as I have used that MMT account to book other tickets as well, though used a different credit card.

    Expecting to get the cashback once the hotel stay is over in March. One thing is good that the reward point reflects immediately, most probably by next day. So far so good.

    Reply
    1. prashant

      Did you get VISA or Master variant ,?
      want to use bookmyshow offer on regular basis which variant is OK as I understand only VISA is giving free ticket on bookmyshow

      Reply
  184. Prashant Gupta

    Yes the best part is the points are reflected next day and can be used for redemption. redemption is easy too and customer care has been good so far.

    The only problem with SC is that primary and supplementary cards have separate dues in statement and need to be cleared in each card.

    Reply
    1. Siddharth Post author

      They do allow transferring the credit from one card to another just incase if you’ve paid the outstanding all to single card. You may need to call them for that though.

      Reply
      1. Sharathkumar Anbu

        No need to call customer care also. There is an option available to transfer payments to multiple cards in Help & Services in SC Mobile app itself. That’s much simpler.

        Flow follows:

        Help & Services -> Card Management > Transfer of Payment – Credit Cards

        Reply
      2. Prashant Gupta

        Sid i did this in my first statement. But calling every month will be hassle thats why i clear dues separately.

        Thanks anbu for infor will check that.

        Reply
        1. Amit G

          Hi Prashant, in my case i pay only agianst one card each month and SC automatically bifurcate the payment according to their dues very next day i pay. no call / mail, nothing. i have three cards with Shared limit.

          Reply
  185. Viswanathan

    Earlier back in 2007, it didn’t got transferred to other cards. But now, it is getting transferred to the amount of MAD. Also that option is there to manually transfer.

    Reply
  186. Prashant Gupta

    Checked my account yesterday got Uber cashback for the month of nov,dec and Jan credited. So the offer is still on as per the booklet sent with the card.

    Reply
  187. Amexalways

    I hold manhattan and SC preferred world mastercard for 4-5 years now (not too much spend on those I admit). I hold Amex Plat Travel and Yes First Preferred so you can guess the salary range. I applied for ultimate and SC rejected the application saying does not meet policy. I am really disappointed. I mean who is their target market?

    Reply
    1. Shivi

      Nobody can guess your income range from the cards you have. There are more parameters than ITR alone that determines your eligibility for credit cards and it’s different for every bank. FYI, I hold Hdfc Infinia and Citi Prestige on a 3L/annum ITR as my primary card.
      For an upgrade to SC Ultimate, you need to hold a SC card with over 5 lakh limit, if you are an existing customer of SC. This point is mentioned in the write-up above and discussed on many comments too.

      Reply
      1. Himanshu

        Hey shivi,

        How did you got citi prestige with just 3 Lac ITR or any citi card for that matter.

        For infinia, you have upgraded from regalia. You must be holding high relationship with hdfc.

        Reply
      2. Rajeev

        Hi Shivi,

        Can you share on which criteria HDFC has issued Infinia to you if your ITR is INR 3 Lakhs per annum?

        Curious to know as I am eyeing for this card.

        Reply
    2. SUJIT KUMAR HOTA

      if the existing manhattan card has 3L+ limit then they should be able to convert. Drop an email to the PNO guys if they dont 😉

      Reply
  188. Prashant Gupta

    Rs.10000 mmt joining benifit credited to my account today for stay in first week Jan.

    Reply
  189. Ashwin

    I tried to apply scb ultimate card through online and website showed eligibility for manhattan platinum card generated application reference number for it. While submitting documents to the executive I made sure that if Im eligible for ultimate card or not , since I gave DCB card recent statement with credit limit of 690000 & available credit limit of more than 600000..the next day I got telephonic verification call & 2 days later physical verification was done..
    Since then there is no update for 10 days, I have enquired with scb customer care executives in meantime but its of no us , as they didn’t get any of my details even after giving the app ref number, email id, phone number or pan number too, then I was asked to write a mail along with the screen shot of status shown with app ref number on scb website that generated for manhattan platinum card .
    After writing a mail to [email protected] & [email protected] I got reply that my application was rejected because it does not meet bank policy norms.. I wrote a mail again asking for the exact reason since I m eligible for ultimate card & made sure before applying for this card, but again got a reply with this message “we are unable to offer you the credit card facility due to Bank’s internal credit policies”.
    My cibil score is in excess of 800 & I have zero payment failure over past 8-9 years..

    Reply
    1. Guru

      When I applied for Ultimate card online, I was told that I am not eligible. But agreed to provide on card on card basis. I submitted the required documents. I got a call yesterday for verification and was told that I am not eligible. I told him that one of your representatives already confirmed that I can get the same on card on card basis. He said that if our representative have told you so then it should be fine.

      It seems that their customer support/sales team are not aware of their internal policies. Now I have doubt if I will get a card or not.

      Reply
      1. Guru

        Update: Got the card today with 5L limit. Also got the PP and Dineout Plus card.

        Reply
    2. Manoj

      Hi Ashwin,

      How is the DCB card. how do we apply for it. is it the payless card or any other card.
      could you help me out with the benefits it has??

      Reply
  190. Binay

    My plight:
    I hold a salary account in SC and so got SC Manhattan card(never used it much), but I felt the loss when I had to spend close to 4Lakhs in local shops and they accepted only MasterCard/VISA. I got only around 10K points which are far less of value. As soon as I cleared my bill, I immediately decided that I want SC Ultimate and contacted my RM.
    Problem is I wanted it for free but they just wont agree, instead during all ongoing negotiations, I started getting spamed with stupid loan calls, insurance, demat, and what not. But never got it for free! Can anyone tell me the trick to get it for free ?

    Reply
    1. Prashant Gupta

      It is for free only indirectly. U pay fees u get the points for fees paid. If you are a heavy user you will easily recover the fees in terms of offers.

      Reply
    2. Suresh

      very less possibility to get it for free. but the rewards i got from this card in terms of Amazon/flipkart outweigh the annual fees.

      Reply
    3. Mouli

      I haven’t seen any one having the SC Ultimate as LTF and I don’t think you can it as free also
      But it worth paying the fee

      Reply
  191. Tanna

    having SC Manhattan card above 5L limit , how can I get Sc ultimate card , I dont know how bank issue one more card to same customer
    I have to upgrade or I have to give new application did not understand the process
    contacted RM but no progress,wasted 1 month have visited 5 to 6 times ,yes 6 times even to get form I have to visit 3 times here Slandered charted bank officer are totally unprofessional , incompetent & purposeless, Even government worker are more helpful than this Slandered charted bank officer . at last searching for solution and found this , so much information share y so many user good work

    Reply
    1. GG

      You just need to call SC customer care and they will be able to take up your request. You do not need to fill any form, and you will continue to hold your older SC card(s).

      Reply
  192. Himanshu Aggarwal

    Hi Sid,
    I hold DCB, YFE (LTF), Amex PT & SBI Elite among 9 cards.
    I recently got an SC Ultimate card but a MasterCard World variant. When I asked the phone banking, they informed that visa infinite variant has now been discounted for new cards issued.
    Kindly update your article for this development, as all visa infinite benefits (incl. BMS) are now not available. Please also tell us about any benefits if available for MasterCard world platform.
    Regards,
    Himanshu Aggarwal

    Reply
  193. chalam

    I am following this blog since a long time and Thanks to Siddarth. By the courtesy of this site my cards are upgraded from a long back Allmiles to – DCB, and also hold YFP, and few others.
    Why should you go to this card if you already hold DCB. ?
    As you are aware of the fact that you will get worth 33% rewards on transactions on either Amazon or Flipkart through smartbuy in the form of rewards.
    So the real value of your 10000 cash back, if redeemed for Amazon or flipkart is RS. 6666 only. ( just imagine if you purchased the same product worth 10000 with your DCB card and you get back worth Rs.3333 in the form of rewards). And you are paying about Rs.5900 as joining fees. And while booking on MMT you will end up paying some convenience fees etc. so there is no real joining benefit.
    The same calculation for renewal also. Out of Rs.5900 you pay, you are getting 5000 rewards worth Rs.5000. If you buy a product with DCB for Rs.5000 you will get back rewards worth Rs.1650 reducing the price you pay to Rs.3350. In other words for a product worth Rs.3350 , you are ending up paying Rs.5900 by obtaining this card. There is no gain and in fact loss only.
    Even if you think that you got the card free, the same calculation applies to points redeeming on Amazon or flipkart. The real benefit is not 3.3%. Its just only 2.2%.
    This card is worth if they run either other offers like 2X or 5X rewards etc. And for other benefits like Lounge access etc. of course.
    So to conclude – in my opinion -this card is not useful if you hold DCB or equivalent card and till there is 10X rewards on Amazon and flipkart.
    Please give your opinions on this and correct me if I am wrong.

    Reply
    1. Prashant Gupta

      I dont agree. This is a perfect back up card for dcb. The fees is worth paying. Joining benefit is more than the joining fees. They run frequent offers. Many places where dcb is not accepted including online this can be used. Its better than yes prefered. Infact everyone should have atleast 3-4 cards- dcb, ultimate, amex and any visa signature or infinite for bms offer. This will cover your master and visa lounge accesss and offers and priority pass too with amex offers also.

      Reply
    2. Sharathkumar Anbu

      Hi Chalam,

      It’s not only about 10x rewards. You may not be spending always on 10X partners or Smartbuy every time. I do lot of offline transactions too some times even for values around 100 Rupees, 50 Rupees etc..

      SC Ultimate gives reward points on prorata basis on your spends. Let say if you spend 120 Rupees, you get 4 reward points whereas in HDFC you will get 0 reward points.

      Also the reward redemption in SC is currently excellent with lot of Vouchers like Amazon, Flipkart, Big bazaar, Lifestyle, Shopper stop, etc.. which other credit cards doesn’t give.

      It’s really a great card to hold considering the reward rate alone. Apart from that it gives unlimited Domestic lounges access to Primary as well as Add on card holders.

      The reward rate itself will pay more than it’s fee.

      Reply
    3. Amit G

      Amazon Gift Voucher are equivalent to real cash, you can use on amazon pay. HDFC 10X doesn’t cover amazon pay balance. This card is good companion to DCB with good offers.

      Reply
      1. Sharad

        Agree with all the comments. SC Ultimate is a good backup of DCB….Although the 10x is getting extended in every calendar quarter….you don’t know when they stop and terminate 10X. Well….THANKFUL to Sid and this blog. I have three premiums – DCB, SC Ultimate, and Citi Prestige – and I am getting addictive of the mind game of where to use which :-)))….not to miss CRED App rewards as a topup!!

        Reply
      2. MAA-traveler

        @chalam,
        You get additional 2% extra if you’re enrolled for Prime Rewards. So I would value the reward rate more than 3.3% and I would value around 4.25% or so. Further I would value Amazon Pay balance more than even cash since I can get additional cashback on Amazon or partner sites.

        Don’t forget the other features of this card:
        1. Unlimited domestic lounge access for primary and secondary card holders
        2. 20% cashback on Uber rides.
        3. Prorata reward redemption
        4. Better reward rate after even all the charges due to the cashback
        5. Reward for all transactions including fuel, insurance, wallet loads and utility payment
        6. Near 100% acceptability unlike Diners or Amex or even RuPay cards.
        7. Dineout Plus complimentary membership

        I would be applying to this card shortly (will be my 9th card).

        Reply
        1. Abhishek Roy

          What do you mean by enrolled into “Prime Rewards”? How did you arrive at 4.25% Reward Rate? Please give more details.
          Where did you find “Unlimited Domestic Lounge Access for Primary and Supplementary Card Holders”? Please clarify.

          Reply
          1. GTMAX

            Well he meant this..But I do not think anyone using DCB would be considering this.

          2. Sharathkumar Anbu

            Hi Abhishek,

            Mastercard variant of Ultimate provides unlimited domestic lounge access to both primary and supplementary card holders.

            I have supplementary card holders for all my family. Whenever we swipe the cards in lounge, Receipt always says limits left as N/A which implies unlimited access on the card (Similar to Diners Black)

          3. AshishR

            1. Unlimited domestic lounge access for primary and secondary card holders

            ITS NOT TRUE, i hold SCB ultimate

          4. Prashant Gupta

            Its not true its 4 per quarter shared by both primary and addon as per customer care.

          5. MAA-traveler

            @Abhishek Roy,
            I was referring to the Amazon Pay’s auto reload of Rs 1000 or more and get 2% as cashback on every Amazon Pay order on Amazon purchases. So it would increase the value of points to 3.3% + 2% = 5.3%. However, I may not value those at face value since that 2% is not applicable for Partner sites, Kindle, etc. I took the average of 3.3% and 5.3% which comes to 4.3%. Again, since Amazon vouchers in demand and not always available I would value at 4.25%. This was how I arrived at that valuation. 😀 Valuation is more art than science so you may have a different valuation than I do.

            Regarding unlimited domestic lounges, I was referring to Sharathkumar Anbu’s comment. Even if it is not unlimited not many cards would give lounge access to supplementary card holders.

            Only bummer is that it is issued in MasterCard World and not Visa Infinite. If unlimited lounges are offered under MasterCard, then fine.

          6. Rashid

            Master card variant has unlimited domestic lounge access for both primary and supplementary cards.. I have been using it for last 4 months.

    4. chalam

      Thanks Guys,
      in fact i didn’t much explored the uses of amazon pay till now.
      now i understood.
      Will apply with my DCB which has 6.5 Lack limit.

      Reply
    5. Charan

      Dude, this card gives me reward points for wallet loading as well. When I need sudden cash like (50K around), I use this to load the payzapp wallet and trasnfer that cash to my account. HDFC payzapp charges 2.36% as the charges to transfer to bank(including GST). Even after that I am left with .97% as gains(3.33% – 2.36%).

      Reply
  194. Himanshu Aggarwal

    Sharathkumar Anbu summed it up nicely for me..

    Question remains that since they have stopped issuing VISA Infinite variant (as per their phone banking), do we get comparable benefits on MasterCard world platform ??

    @ Sid :- Kindly update your article for this development, as all visa infinite benefits (incl. BMS) are now not available.

    Regards,
    Himanshu Aggarwal

    Reply
  195. Himanshu Aggarwal

    This is a perfect back up card for DCB, replacing the place once held by YFE in my kitty. Limited acceptability is always an issue with DCB, though it is improving fast…

    Reply
  196. Anoop E S

    I was unable to comment much on any of threads involving SC, Amex, Yes, Citi etc as I was staying in a Tier 3 city and these cards were out of my reach. But I could manage to get DCB, ICICI Jet Sapphiro and Axis Vistara Infinite over the years with the help of our dear Siddharth and this website.

    Now I’ve moved to Delhi last month. Applied for SC Ultimate two days back and documents were picked yesterday. They said they will give me this, on a card on card basis (on DCB). Will update my experience soon.

    Also applied for AmexJet card which is easy to get being Jet Platinum. Will dig more into Amex portfolio later.

    Now Citi and Yes cards also on the radar.

    Reply
    1. Himanshu

      Anoop,

      Welcome to Delhi. I also wanted to apply for SCB ultimate. Which card you gave and what limit you have on the card?

      Reply
      1. Anoop E S

        I applied based on DCB limit of 9 lakhs. It is still in process. Had a verification call two days back.

        Reply
        1. Anoop E S

          I followed up through email. Got reply saying that they cannot offer me a credit card due to internal guidelines. Already requested them to inform me which criteria I could not meet.

          Was planning to shift all the expenses from my co-branded SBI card to Ultimate. Now I need to look for Yes or Citi.

          Reply
  197. Srikanth V V

    Hi Amit,

    is the conversion from points to amazon voucher is 1:1 ?

    Reply
    1. A2Z

      @Srikanth

      Yes SCB Ultimate reward redemption ratio is 1:1
      For 2000 points you get 2000 worth Amazon voucher
      For long time they have not brought Amazon 1000 voucher
      They only refill Amzon 2000 which keep going out of stock pretty fast
      This time it remained for 2 weeks & went out of stock today 08/03/19

      Reply
    2. Mouli

      Yes, in SC Ultimate card all conversion from points to vouchers are 1:1

      Reply
  198. Prannoy

    I applied for Ultimate Card via Card on Card application through SBI Elite of limit 6.54L. Despite having a CIBIL score of 780 & no late payments as on date, still it got rejected.

    The executive who applied for me is saying I’m failing in my DBR score as I hold 7 card accounts. I can’t really find a reason for rejection.

    Can someone please help me out ?

    Reply
  199. A2Z

    Official confirmation email from Uber regarding Uber 20% cashback offer extension :

    Under the offer SCB credit card holders who spends more than INR 15000 on their credit card (all spends will be included) in a calendar month only will be eligible to get a 20% cash back by using SCB credit card for making payment for UBER rides.

     Minimum spends on credit card in a calendar month to be eligible for the offer is INR 15000
     Maximum cash back per month per customer will be INR 600
     Multiple Standard Chartered credit card offers at Uber cannot be combined together, unless mentioned otherwise.
     Transactions that have been successfully processed would be considered. (International Uber Transactions are Considered)

    Note: All SCB credit cards will qualify for the campaign till 30th Sep’18 and only for For Ultimate card holders, the offer has been extended till 30th Sept’2019.

    Reply
  200. Mohan

    I have Standard Charted Super Value Titanium card with CL of 4,54,000 which I’m holding for >3 yrs … I want to upgrade for Ultimate card.

    Customer Care folks said that for existing customers, the credit limit on SC card should be >5lacs to be eligible for applying for this card … I do have other cards (SBI Elite & HDFC DCB) with CL >5lacs … I also meet their salaray criteria of >18 lacs / annum … Even then I can’t apply for the Ultimate card on card to card basis or based on income docs (insane!) – as I’m an existing customer … Any tips on how to get around this?

    P.S: I checked for limit enhancement, they said no offer is available on my card … I’m gonna send the salary slips and try for CL enhancement. Let’s see

    Reply
    1. Hardik Parikh

      I had a Manhattan card with a limit of Rs 2 lakhs and faced the same problem. So, I got that card cancelled and got an Ultimate card with a limit of Rs 5 lakhs on a card on card basis from a non SC card with a higher limit.

      Reply
    2. Amit G

      Since you are on verge of 5 L limit try the online link for existing Cardholder, there is one option to request LE also just click that, they will verify your card with 1 Re. Chances are fair you may be approved. Sales team is better than Customer care.

      I got mine on Card on Card, without cancelling existing Super Value, got approved with shared limit of later.

      Reply
    3. Mohan

      Update:

      I sent an email to them with income docs for limit up gradation – but it got rejected!

      In parallel, I applied for upgrade on the website with Re 1 authentication on Saturday to try my luck … To my surprise I got my Ultimate card yesterday (in 3 working days – phew!) which I wasn’t expecting … Both the cards are visible on my account with the shared same credit limit.

      Bonus: I had >5k points on my Super Value Titanium card – usually the value of points in that card is less … But, I was able to redeem it for 5K Flipkart vouchers under the Ultimate section – wooho … Seems all the bonus points are grouped and you can redeem from Ultimate catalog even for points accrued on other SC cards.

      If you have existing SC credit with lot of points, it is worth applying for SC ultimate and redeem the points in Ultimate catalog for better value (1:1)

      Thanks everyone for your suggestions.

      Reply
      1. KK

        Hi Mohan

        Can you elaborate on how you were able to redeem 1 RP earned with super value titanium for Rs 1 in ultimate? I am not able to do so.

        Reply
  201. Prashant Gupta

    You can apply card on card basis i did that. I had landmark rewards card with Rs.1.9l limit, but i applied for new card basis hdfc dcb and it got approved. Just go online and apply for any card and later tell customer care that you want ultimate.

    Reply
  202. Mohit

    Hello All,

    I’ve recently started reading cardexpert and am blown away by the knowledge of Siddharth and members. I’m trying to upgrade my cards and stumbled upon cardexpert through google.

    I was considering applying for SCB ultimate before the devaluation of Yes bank cards was announced. Now that yes bank is getting devalued, does it make ultimate the no.3 card to have after Infinia and DCB?

    I’ve Regalia, Citibank premier miles and amex MRCC. All ok cards and no great card. My annual spend is about 8-12L on CC. I’m a preferred customer with HDFC and am in touch with my RM to upgrade my regalia to Infinia.

    If I get upgraded to Infinia, would it still make sense to get SCB ultimate?

    I’ll be closing Citibank premier miles regardless. I hope you’ll help me make a good choice.

    Thanks,
    Mohit

    Reply
    1. Prashant Gupta

      Infinia is same as ultimate and infact better with bms offer on visa infinite and have 10x on smartbuy.

      Reply
      1. Shivi

        SC Ultimate too is on Visa Infinite Platform so BMS offers apply to that card also.

        Reply
        1. Prashant Gupta

          SC ultimate is not issued on Visa infinite platform. Its on world mastercard.

          Reply
          1. Shivi

            It started off on the Visa Infinite platform. Read the review paragraph and initial comments. You can still get it on Visa platform.

        2. Anshul

          SC Ultimate is no longer issued as Visa variant. Only Mastercard now!

          Reply
          1. Shivi

            I got it changed to Visa Infinite variant last week. Insist on Visa; you can say MasterCard doesn’t work on some sites or at some of your favourite places in the States, Japan, Malaysia, Thailand to name a few 😉 (research on Google about the non-acceptance on MC worldwide)

          2. Anurag Sharma

            It is true, SC is no longer issuing the Visa Infinite variant of the card, I applied for the card and got the MasterCard World variant instead. I’ve been following up with the bank since past 2 weeks to get the Visa variant, but no luck so far.
            Any tips on how to get it, besides the ones stated by Shivi?
            Any help will be really appreciated.
            Also, does having the Visa infinite variant really makes a groundbreaking difference?

        3. Rajeev

          Hi Shivi,

          I tried to get the ViISA variant citing the reasons shared by you
          “I got it changed to Visa Infinite variant last week. Insist on Visa; you can say MasterCard doesn’t work on some sites or at some of your favourite places in the States, Japan, Malaysia, Thailand to name a few 😉 (research on Google about the non-acceptance on MC worldwide)”

          However, the customer care helpline is saying the bank has stopped issuing VISA variant. Are you sure that you got the VISA variant in the first week of March 2019, if yes let me know how you approached the Standard Chartered to get the VISA variant of the Ultimate card
          1. Customer care helpline
          2. Raising request through email
          3. Any other channel.

          Thanks

          Reply
    2. Shivi

      @ Mohit.

      The redemption option on Infinia give you best returns only on Hotel/Flight/recharges & 1 RP is also 1 Mile if transferred to any Airlines club. Ultimate has redemption Vouchers from Amazon and FK and not just limited range like that of Infinia! Plus, Ultimate gives you RP on a pro-rata basis, unlike Infinia. Infinia works wonders on the SmartBuy platform with a whopping 33.33% RP return along with PP for Primary and Add-on card members without any conditions attached to its use (SCU has spend based PP criteria). Infinia also gives you 1.97% Reward rate over and above the Fx markup fees, the best in India.

      Coming to your CitiBank PM – That card enables you to get Citi’s most prestigious card in India (not counting UI) that is Citi Prestige. Now that gives you up to 15%~ returns only if you are CitiGold client with CitiBank and take multiple trips in a year to APAC countries.

      So it just depends on what you are looking for. If you want Airlines cards then you can shift focus to SBI Etihad, SCB Emirates, SBI Air India, Axis Vistara etc.

      “I’ve Regalia, Citibank premier miles, and Amex MRCC. All ok cards and no great card” – You have great cards, just narrow down to WHAT YOU need and go through the write-ups on the individual cards in the blog. SBI Prime is a good card for many as is the newly launched ICICI Amazon Pay.

      Reply
      1. Mohit

        @Shivi
        Thanks for the detail reply. I’ll wait to see what my RM can do about Infinia. Based on that will apply for SCU. I don’t have much international travel, so prestige isn’t what I’m eyeing honestly.

        Thanks

        Reply
  203. SHILADITYA CHAUDHURY

    All,

    I am planning to apply for this card as Yes Bank has devalued the Yes First exclusive card. I use Diners black for 10X offers. For everything else, this looks to be the best card.
    I have an existing SC card and I am eligible for upgrade.
    I understand that I have to pay joining fees but is there a way to waive of the renewal fees?
    This is the only issue I have with this card as it does not have spend based waiver for renewal fees.

    Please suggest

    Reply
  204. Mohammad Rashid

    Hello… Can I use my REWARD points of Ultimate card to book air tickets like its for Regalia and DCB?

    Reply
  205. Rajeev

    Hello All,

    This question is for those who have the “Ultimate Card” of Standard Chartered.

    What is the look and feel of the Ultimate card? does it look exactly the same as in the picture or it is dull like some other cards which look nice in picture but the real cards are dull.

    Reply
    1. Prashant Gupta

      It looks really good infact a premium card exactly in picture.

      Reply
    2. chalam

      Better than in picture with gold embossed as like Regalia. Better than DCB which has silver embossed.

      Reply
    3. Rajeev

      Hello Friends,

      I have received the card after long followup with my RM, it took nearly two months to get this card. As Prashant and Chalam have shared the card looks really good and the features are also at par with super premium cards. However, the Priority Pass feature is not at par with other super premium cards. One complimentary access per month with a caveat of spending INR 20,000 in the previous month on the respective card doesn’t look a super premium feature. They could make it unlimited or 12 per year with a spend of INR 2,40,000 per annum on the respective card.

      Reply
  206. chalam

    Got this Card in 13 days after applying offline on card on card basis with my DCB 6.2 Lakh limit and received 5 lakh limit. Will give an upgrade trial to my YFP which should go into storage.
    Sadly there is no option to disable international usage / set limits like HDFC in net banking with this card.
    Btw …in Amazon pay there is a option to convert amex reward points into Amazon pay balance. Did anyone tried it ?. what is the conversion ratio.?

    Reply
  207. Jugnoo Mehta

    Hi

    I have a query if someone can help.

    If I book 10k hotel on MMT, cancel it on MMT and get refund in MMT wallet.

    Will I get cashback in this case as I technically did not reverse the transaction but cancelled the booking.

    Please update

    Reply
    1. Prashant Gupta

      Technically yes but the cashback condition says within 60 days from travel date. Dicey i must say as you will not be travelling. As i booked my stay 2 months in advance and got cashback after the stay so they might be coordinating with mmt i guess.

      Reply
    2. Suresh

      cashback is processed only after the stay/flight date, which means SC has internal means to get the data from MMT.

      Reply
  208. Siddhant

    Hi,

    I have a citibank rewards card with 3L limit. I want to apply for the ultimate card. Which way would be better:-
    1) card-on-card.
    2) ITR based.

    I have no previous relationship with the bank

    Thank You.

    Reply
    1. Prannoy Ghosh

      You can’t on card to card with 3L limit… You need at least 5L limit for that. Apply if your ITR is 25L otherwise find a card with higher limit

      Reply
  209. MAA-traveler

    I received the Ultimate Card today!

    22nd Feb: Applied on the bank’s website but it said I’m not eligible for the card based on my ITR but suggested other cards. I choose to ignore. Received call back from SCB where I said I wanted Ultimate Card only and my limit on Amex Plat Travel is Rs 4.68 lakhs. They confirmed that Ultimate is possible. They took all my details (PAN, Company, ITR, etc) and fed in their system. Also got provisional approval (there is a twist here!). Since my Amex statement would get generated on 13th March only, I had to wait before submitting the forms and documents.

    13th March: Submitted the Amex statement along with the card application and KYC documents.

    20th March: Received SMS about the benefits of SCB Manhattan Platinum Card! Later in the day, I also received the courier. Called the SCB team to tell that this is not the card I’d wanted. They expressed their inability to do anything now. Later I came to know that the provisional approval was for the Manhattan only maybe since my limit was not over Rs 5 Lakhs. The biggest surprise was the limit on the Manhattan was Rs 5 Lakhs. So I can apply for upgrade to Ultimate!

    21St March: Applied for Ultimate upgrade and request was taken and Manhattan blocked and closed.

    25th March: Received the Ultimate Card!

    Reply
    1. ARR

      Hi MAA-TRAVELLER,
      I applied to the Ultimate card through the c2c process. The Credit limit is Rs.570000/-. The available limit on my HDFC Regalia CC was Rs.270000. But, it was rejected for some reasons. Later the cc executive called me and asked to submit the Salary statements. But, I couldn’t do so as I couldn’t meet their criteria.
      I feel that standard chartered isn’t generous in issuing the cards. They rejected my application twice. Everything was ok. Cibil was ok. My every payment is on time. Could you please tell me about your available limit and other cards?.
      Thank you

      Reply
      1. MAA-traveler

        @ ARR,
        My approved limit on my Amex Plat Travel was Rs 4.68 lakhs however I choose to pay early so that my available limit was more than Rs 4.5 Lakhs at the time of statement generation. It was commented here that at least Rs 4.5 lakhs of free limit is required. So you can make sure that available limit is over Rs 4.5 lakhs before applying again.

        I have the following cards:
        1. Amex Plat Travel
        2. Amex MRCC
        3. SBI Prime
        4. ICICI Jet Sapphiro Visa
        5. ICICI Jet Sapphiro Amex
        6. ICICI Amazon Pay
        7. Citibank Rewards
        8. Yes First Preferred
        9. SCB Ultimate

        😀

        Reply
        1. Dr Patil

          @MAA-Traveller

          Would you mind sharing what was your ITR? Mine is 12 lac p.a. I have a Regalia CC with a limit of 4,80,000/-.

          Reply
      2. Sharathkumar Anbu

        Hi ARR,

        SC expects available limit to be around 5L as far as I know from what the sales executive told me. If your total limit is 5L, available limit should be around 4.5L.

        Hence try later with better available limit.

        Reply
    2. Anks

      I got my ultimate card a week ago with 5L limit. I do not hold any other credit card but I do have my salary account with stanc for the last 3.5 years.

      Reply
      1. Rajeev

        Hi Anks,

        Request you to share few details on this
        1. You stated that your salary account is with Standard Chartered, I just wanted to know weather you fulfill the income criteria of INR 24,00,000 per year or your income is less than this criteria? If less what was the gap between the stated criteria of INR 24,00,000 per year at the time of applying for this card?
        2. How you managed to get this card? applied through online, customer care call center or offline through a branch? If you have salary account then you must have a salary account manager, was your manager played instrumental role in getting the Ultimate card?
        3. How much time it took to get the card ?
        4. have you paid joining fee and have to pay renewal fee later or the card is life time free (LTF) for you?

        A quick and detailed response would be very helpful.

        Thanks

        Reply
        1. Anks

          Hi,
          I do meet the salary criteria of 24 lpa.
          I applied online.
          It took a week to get the card.
          And i have paid the joining fees.
          Thanks,
          Anks

          Reply
  210. Thomas

    I have paid renewal fees 5000. There is no reversal but when do we get the 5000 points for renewal.

    Reply
    1. rakesh

      Same issue faced. Fee deducted 5k, but 5k points still not credited? Is the renewal benefit still there or some change?

      Reply
      1. Thomas

        Ok finally got 5000 points. Didn’t pursue with customer care.. Just waited. 5000 points came in rewards

        Reply
  211. Rajeev

    Hello All,

    Again this question is for those who have the “Ultimate Card” of Standard Chartered.

    5 reward points on every INR 150 spent (1 Reward Point = Rs.1)

    Is there any exclusion or * attached to it? Do we get same rewards for loading cash in wallets like paytm,, amazon pay or forex card reloads?

    Reply
    1. Amann

      Hi Rajeev

      No exclusion. Maybe fuel.

      Does anyone know how long SC takes to send evoucher on email?
      Amazon vouchers available.

      Reply
      1. Tejas Ghongadi

        Not even fuel. Completely no exceptions on the Reward Points accumulation.

        Reply
  212. Dr Patil

    Visited Standard chartered website. Opened the chat box and chatted with a representative. He said i can get it provided i have limit of 4L on another card. I have Regalia with 3.9 lac limit. Should i apply?

    Reply
    1. MAA-traveler

      @ Dr Patil,
      In short, don’t apply now. Please go through my experience a couple of comments above. I’d 4.68L (free limit over 4.5L) and still wasn’t approved for Ultimate although I eventually got it as they approved 5L on the Manhattan card and instantaneously applied for upgrade and got approved for SCB.

      Reply
  213. AV

    Hello Sid / SCB user

    1. I have DCB with 5 L limit. I think I am eligible for ultimate.?
    2. I understand if I apply for this card I have to use 10000 in MMT. But I have no plans to book a hotel or ticket in next 90 days and that too one transaction. Should I wait and apply when my requirement arrives or another approach is I apply for manhattan ( and if they issue 5 L limit after enclosing DCB statement. ) and I upgrade to Ultimate whenever I require as I read above Manhattan with 5L gets eligible for Ultimate and upgrade is phone call away.
    But the risk is if they do not issue 5L on Manhattan.
    Please suggest any better idea
    Just as side note I have AMEX Plat with 3L.

    Reply
  214. abhishek Indore

    UPDATE : You can get SC Ultimate Credit Card based on your existing credit card from other bank with a minimum credit limit of 4 Lakhs on it.

    Reply
    1. Maj Shetty

      Hye Abhishek…is it upgrade from current SC card or card of any bank for 4 lacs

      Reply
  215. MT

    I was looking at 360 rewards on SCB site , amazon vouchers didnt show up , i saw cleartrip 1k voucher for 3950 points , if you back calculate , it works out to 1,18,500 spend making the reward ratio a measly 0.84% , then read through the SCB ultimate card portal , where they say the MAXIMUM benefit is 1point = Rs 1(reward rate 3.3%)

    My doubt now is , how many options are still available which are redeemable at 1point = 1 rs , and being an infinia card holder , is it worth putting time behind this card , as on date of asking in this comment

    Reply
    1. Toshi

      There’s a separate section for SCB Ultimate card users on the site – there, Cleartrip vouchers for Rs 2000 are available for 2000 points. Similarly for Amazon, etc (Amazon not available at the moment there though).

      Reply
  216. Varun Arya

    Hi Siddharth, I am a huge fan of yours. You are doing an excellent job and providing great tips and trips and your thorough and detailed reviews about everything available in the market these days.
    I am a credit card freak, so seeing your review on the ULTIMATE CREDIT CARD, I went forward and got it.
    But in the recent times I am feeling, they are depreciating the value of this card by reducing the options where one can redeem their points.
    Some of the rewards namely, which no longer exist on the portal are:
    1. Amazon e voucher
    2. Flipkart e voucher
    3. Book my show vouchers
    4. Make my trip vouchers
    And many more

    By doing so they are reducing the options for the customers to redeem thr points on.
    Thanks .

    Reply
    1. MT

      Is this confirmed ? I will pull back my application if true

      Reply
      1. Amann

        Some of the Currently available vouchers

        1. Mmt
        2. Yatra
        3. Big bazaar
        4. Arrow
        5. Westside
        6 cleartrip
        7. Croma
        8. Shoppers stop

        Reply
    2. MT

      @varun , what all options now exist in 1point = 1rs reward ratio ?

      Reply
      1. Venkata

        Big Bazaar
        Arrow
        Croma
        MMT
        Yatra

        Generally they add new coupons between 3 -7th of every month and these coupons vanish in 2-3 days

        Reply
  217. Jack

    Few questions
    1. Do you know what is the expiry date of points earned ? e..g Diners black is 3 years
    2. Is there any card which matches 3.33% reward rate apart from this card or DIners black ?

    Reply
  218. Zaheer

    I have an HDFC Infinia card with 9.75L limit since Jan 2019. Any idea how long should I wait before submitting a card to card request for SC Ultimate.

    Reply
    1. Tejas Ghongadi

      Since you have an Infinia with that kind of Credit Limit, you might be having another card (Slightly Older than 6 Months) with a minimum limit of 5 Lacs.

      Just use such a card for Card-On-Card Basis. You should get the SCB Ultimate easily.

      Reply
      1. Zaheer

        I was mainly keeping all the relationship with HDFC and was having Regalia for a very long time and was using it for 90% of my card spends and that got upgraded to Infinia. I do have a CITI and SBI cards, both + 2 Years and has a limit in the range of 3.5L only – So no, only Infinia has +5L limit.

        @Tejas, are you suggesting to apply after 5 months or should I wait for a month or so and apply. I am in no hurry by the way.

        I had read an article by Siddharth back in Jan 2019 mentioning Yes First Exclusive being in Super Premium list and I thought of going for it with Infinia by year end, but again Yes banks cards devaluation made me look for another option which I could get using Card to Card and came to SCB Ultimate.
        – any other suggestions guys ???

        Reply
        1. GTMAX

          You can go ahead with your card to card application right away. Doesn’t matter if your Infinia is 3 or 4 months old as long as the setup date of Regalia card that you upgraded from is more than 1 year back as the banks end it is the same card account on which you have been upgraded.

          Reply
  219. Maj Shetty

    Hye Siddharth..please clarify 2 points.
    Firstly, where is it written that this card can be approved on limit of 3 lacs on existing SC card.
    Secondly,do u get reward points on fuel spends

    Reply
    1. Datta1108

      This limit has been now increased to 5L for card-on-card basis applications.
      Yes, you get reward points for fuel spends as well

      Reply
  220. Mouli

    Seems Amazon Voucher option is no more available , I am waiting for it for a long time and checking frequently but still unable to find it

    Reply
    1. Amann

      Same here Mouli. Even Flipkart & Big Bazaar vouchers are not available now.

      Reply
  221. Amann

    Rewards site under maintenance.

    Hope they add some vouchers too.

    Reply
  222. Amann

    Now Cleartrip is also gone.

    C’mon SCB add some good vouchers. Waiting for Amazon.

    Reply
  223. Amann

    Only Big Bazaar vouchers are back.

    Hope to see Amazon soon.

    Reply
    1. A2Z

      These would come I guess as I spoke to CC & they too know these are most sought after
      But these won’t remain in stock for long as most people might wanna grab Amazon

      Reply
  224. Amann

    Hi All

    20% CASHBACK on Uber spends applicable on SCU card. Just got it.

    Think the tnc are as follows:

    Under the offer SCB credit card holders who spends more than INR 15000 on their credit card (all spends will be included) in a calendar month only will be eligible to get a 20% cash back by using SCB credit card for making payment for UBER rides.

     Minimum spends on credit card in a calendar month to be eligible for the offer is INR 15000
     Maximum cash back per month per customer will be INR 600
     Multiple Standard Chartered credit card offers at Uber cannot be combined together, unless mentioned otherwise.
     Transactions that have been successfully processed would be considered. (International Uber Transactions are Considered)

    Note: All SCB credit cards will qualify for the campaign till 30th Sep’18 and only for For Ultimate card holders, the offer has been extended till 30th Sept’2019.

    Reply
          1. Varun Arya

            I am really disappointed by the scb ultimate credit card. They hardly give much options for redemption under ultimate category. Whereas some of the vouchers are available under other categories available on the site.
            I think their card value has depreciated over time, as many other credit card reward redemption system have never ending vouchers for flipkart and amazon and many other.
            I think all the user/customers of ultimate credit card should write in to the grievance department of the card for issue resolving.
            Thanks
            Varun

        1. Prashant Gupta

          I am getting cash back every month on both primary and supplementary cards.

          Reply
    1. A2Z

      Yes SCB Uber 20% offer is still Live only for Ultimate card holders but they are not promoting it anywhere
      I did post about it on Feb 1 & March 14 on this thread

      Reply
  225. ukesh

    Is it possible to convert Reward point to cash credit ?

    Reply
  226. Dr Patil

    I received a sales call from SC today. They were offering Manhattan. I told her that i will take only if u can offer Ultimate. My Regalia CL is 468000. She said based on that i am eligible for Ultimate and I can apply.
    Now the thing is. I already have Reglia and Amex Platinum travel which i got recently in March this yr. Will gettting SC Ultimate dent my CIBIl score? Cos i intent to apply for DCB later this year. Planning for some loan with hdfc following which I will apply for DCB.

    Reply
    1. Jambui

      @ dr patil upgrading hdfc card wont affect ur credit report. Card cos only check cr when issuing a new card.

      Reply
  227. Ankush Vashisht

    A strange thing happened to me.
    After reading the blog i applied for SCB card online but it was rejected and than I sent a mail to head services for interest in this card. After almost 1 month suddenly I received SCB Ultimate at home. No verification , no call nothing explaining the product, even no cibil. And strange part was Ultimate card with CL of 1.92 Lakhs only. My DCB has 5.0 Lakhs.
    I thought ultimate is never issued less than 5l but my case is proof that Ultimate can be issued with any CL. I donot have any relationship with SCB at all. I have no idea how this CL was arrived. I recvd PP and Dineout Card too along with Ultimate card.
    Also it clear now days they are issue only Master and not Visa Infinite. Actually I wanted infinite (I have no Infinite card in my kitty).

    Reply
  228. Devendra

    Just wanted to ask something if we pay joining fees of Ra 5900 , make transaction on mmt for Rs 10000 , recieve cashback within 60 days & later cancel the card before renewal . We can gain around 4100 around pls explain

    Reply
  229. Tejas Ghongadi

    Have been checking the SCB Ultimate rewards for a few weeks now. No Amazon or FK voucher in the selection for a long time now. The overall list too is too small and hardly any good rewards. Anybody have any idea how often do the Amazon / FK Vouchers come up in rewards.

    Between the SCB Ultimate & HDFC DCB (Have both), the problems with Rewards are completely different. On HDFC DCB, only flights / hotels give you the best value. For rest all the things, the value drops to 1 RP = 0.5 Re.

    Reply
    1. Somu

      Which is true, Ultimate you don’t Amazon / FK vouchers that easily. It’s like booking a tatkal ticket in IRCTC. I prefer Infinia though its other redemption option is .5 INR but you get 33.3 rewards per INR 150 when you transact through SmartBuy and buy stuff from FK / Amazon or book flight tickets. It is way better and you can easily redeem 1:1 instantly when book flight tickets or hotels. Further it doesn’t have any good partner offers like HDFC provides.

      I’ve used the card for couple of years now almost but will close it down soon after payment of my bill. I’ve waited 2 months to get the points converted (which is a genuine pain, considering I tried doing it for the first time).

      Would highly recommend not to opt for this card.

      Reply
  230. Shree Vardhan Mundhra

    Everyone in my family has one of these cards and we use the points to redeem travel vouchers but recently it’s been very annoying because we’ve generated lakhs of rewards but when we actually want to redeem it the makemytrip vouchers vanish. Currently want to book something but they are not available again even though I saw them a few days ago. Nothing is available now: Amazon, Flipkart, Makemytrip, Cleartrip, Yatra etc. Only bookmyshow is available. Anyone looking to get this card should be very concerned about this.

    Reply
  231. Sud

    My renewal fee for the Ultimate card is due in next month. I feel it is not worthy to pay 5900Rs for this card now, with 5000 RP, there is no redemption against Amazon/Flipkart gv’s or even flight bookings. I plan to downgrade this card to a any SC LTF one, and i can divert all my spends to DCB now.

    Reply
  232. SACHIN GROVER

    In Last 5 Months I have already paid Total of Rs 16240 Late / Interest / GST charges without any fault of mine to Standard Chartered Bank . I am finding myself trapped in this viscous circle . In past I have tried to do proper reconciliation before making payment , in return bank levied heavy penalty Late / Interest / GST charges for delayed payment ranging from 1~2 Days only, so I have not left with any other options to just to agree & do payments as per Standard Chartered Bank wishes.

    This all started when I got an addition Credit Card ( SCB Ultimate in addition to SCB Manhattan Card) Last year. The payment made to one card was distribute on % basis to both cards .This is Complex mathematics & bank never explained this to me.I called SCB Bank on 22nd Feb 2019 for this & told them to stop bifurcation of payment on % basis to my both Cards

    Reply
    1. MAA-traveler

      @SACHIN GROVER,
      Thanks for the heads up on the payment distribution %. I have SCB Ultimate with a secondary card. When I got the statement this month, it was very confusing and payment to be made was lesser than what I’d spend! Partly this is also due to the fact that secondary card payment should be made separately and I had transferred credit from Primary to Secondary card as I paid the full balance of Primary & Secondary to the Primary alone.

      Reply
    2. MT

      When you submit your cheque , on the reverse side , write down and give them which card account you want to set off the payment against.. for your own safety keep a photocopy of the cheque submitted , in case making online payment, put the precise card number you want to set off against.. still if the bank distributes the amount on a % basis , then in my opinion its a breach of trust… i would suggest you to move to other bank card, there are very few customer care executives who are kind enough to give you straight answers , others will just pass the buck around blaming auto calculations n all other systems

      Reply
      1. Hari

        By default, SCB has activated apportionment of the payment. When I paid the bill for one card, it was distributed across all the cards having an outstanding balance. I asked them to deactivate the apportionment of payments.

        Reply
    3. Praveen Katiyar

      Sachin I would suggest you use NEFT. I also hold two SC cards, never gave any cheque. Always used NEFT wherein beneficiary is added by card number and payment goes to the card which I make payment to.

      Hope it helps.

      Reply
    4. Anshul

      You need to call customer care and ask them to stop transferring payment from one card to another. They have an option to disable that. Even I faced this problem on basic/supp cards with them transferring payment from one card to another. They create so much confusion, that too without informing the customer. I must say SCB has pathetic process and systems in handling payments! Seems like some genius came up with these logic!

      Reply
  233. SACHIN GROVER

    I have long relationship of 7 years with the SCB , however it seems that Bank now wants me to Close my Credit Card & apply for some other bank credit card as they are playing passing the parcel after squeezing client for Financial Charges

    Reply
  234. Mohan Eluri

    Even I faced same issue, I escalled to grievance cell for waiver off. At last, I was able to succeed. Theor payment apportion is clueless. Now I stopped using my supplementary card and using only primary card and making full payment on primary card only.

    Reply
  235. Amann

    Big Bazaar vouchers are available now.

    Some others too. No Amazon or Flipkart though.

    Don’t miss it.

    Reply
    1. Mayank

      Amazon Vouchers available Now. 4000 points – Rs. 1000. Can redeem Now.

      Reply
    2. Siddhant

      Hi Amann, those are e-vouchers mentioned there. Can we use them for purchasing at a physical store? Do you have any idea?

      Reply
      1. Amann

        Yes Siddhant

        Best to take a print and give print to the cashier at the time of shopping only those many as you wish to redeem so that there is no confusion of which vouchers you have already used.

        Reply
        1. Siddhant

          Have you done that in the past? Has it been accepted by the cashier?

          Reply
      2. SG

        Yes, I’ve used Shopper’s stop / Lifestyle evouchers which are infact only valid for physical retail. They are quite common as they are available at a discount on Amazon etc. so the people at these stores are aware. Just given them the code and they take care of the rest.

        Reply
    3. Amann

      Surprisingly Amazon is available on othe tabs of Scb like debit card rewards & instant rewards …

      This means they have deliberately removed Amazon from redemption option in Ultimate and it is unlikely to be refilled.

      Reply
  236. Nitin

    Hi guys,
    I have not seen Amazon vouchers been updated for redemption since last 2 months or so, and I check almost daily. Any update on this, whether they have discontinued it completely?

    Reply
    1. Amann

      Amazon costs more to them. Hence they have removed it altogether. Only offered sometimes to debit cards & non ultimate cards.

      Reply
  237. Ashish Nikhare

    Is CIBIL > 800 mandatory for new Ultimate card application ? My application got rejected twice in past 6 months for CIBIL 7 lacs in another credit card. Had applied on Card-for-Card basis.

    Reply
  238. Vinod Kannan

    Could Someone please Confirm What are the Vouchers that are always available with Standard chartered ultimate Rewards Portal? Im thinking of applying for SC Ultimate through C2C basis. Not sure about it though. Heard that the vouchers are hard to come by. Is it still worthy as a Backup Card to HDFC Infinia?

    Reply
    1. MAA-traveler

      @Vinod Kannan,

      The most common vouchers are: Shoppers Stop, Nike, Titan, Samsonite, Hidesign, Arrow, Raymond, The Bombay Store, Fabindia, United Colors of Benetton, Mainland China, Westside, Croma, Lifestyle

      Somewhat difficult to find: Yatra, Big Bazaar, Makemytrip

      Rare: Amazon, Flipkart

      In about 4-5 months, I’ve not seen any Flipkart, Amazon one time and seen Big Bazaar a couple of times. Amazon voucher also sold out in in less than 24 hours.

      I would say it is not that lucrative card, IMHO. Been devalued (or diluted) a couple of times: Visa Infinite to MasterCard World and difficulty to redeem vouchers of our choice when we want to. Further never issued LTF or any spend based waiver though the joining benefit is good. If you are holding HDFC Infinia, why bother with SCB Ultimate?

      Reply
      1. Vinod Kannan

        @MAA-Traveller: Thank You for the kind Info. I was thinking about getting this card even before i got Infinia. Actually it was mainly because i was interested in Amazon, Flipkart and Croma Vouchers. But, as u have said, the net returns on Infinia would be far more higher even if 10x Points are redeemed on Catalogue items and Vouchers ( It reduces the value of Reward points by half, but still the net value is significantly higher than any card.).
        Also i have had a word with HDFC Sales manager in Chennai for Diners Black as a Floater Card in addition to Infinia. He said he ll get it for me on my next Limit Enhancement ( My CL is short of 75K for Infinia + DCB). So i have stopped my quest for SCB Ultimate.

        Reply
        1. Praveen Katiyar

          @Vinod Kannan
          I recently got upgraded to Regalia, CL 5.42Lakh.
          I am interested in DCB & Infinia. On my interaction today with CC Customer care floor manager, he said floater card is normally issued to businessmen. I seriously doubt that..
          Can u give me idea what limit is good if I request for a floater card on DCB.
          Thanks in advance.

          Reply
      2. Somu

        I had around 47K points, struggling get it redeemed for last 2-3 months. Stopped using it since it doesn’t make sense to use a card which has limited or hardly any redemption option (I see iPhone X and 8 which I don’t want to buy). Luckily I managed to get 23 Amazon vouchers worth 2K each. When I compare it to Infinia it doesn’t make sense to hold the Ultimate card. I’ll soon close it down. Would highly recommend someone not to opt for it!!!

        Reply
    1. MT

      You made my day bro , all points redeemed behind the amazon vouchers

      Reply
      1. Sakthi

        how did i miss… was checking daily :(. Good thing is it is not removed permanently….

        Reply
      2. Somu

        I managed to redeem 23 vouchers and now I’ll close down the card. Not worth taking an affluent product which has so limited or virtually no quality redemption option. I wonder don’t they benchmark the product with competition.

        Reply
  239. Moulieswaran

    Ramesh,Thanks for the info.
    Redeemed 22k Voucher after waiting for a long time

    Reply
  240. Nikhil

    It’s over now, I was waiting from long time, I kept on checking as well, but I missed it for 1 day and its gone….

    Reply
  241. Niket Prasad

    Thanks for the update bro. Unfortunately could update only 3 as then it got out of stock. This is crazy last time it lasted for a week. Ultimate now seems to be a very luck based card and this and Makemytrip are the only vouchers worth redeeming. Is there any other cards with this sort of a reward spend. My average spend on card is 2L per month. Unable to get Infinia.

    Reply
    1. Prashant Gupta

      U need to break up your spends between cards…..like amex platinum travel, diners club black etc…

      Reply
  242. Ashu

    I have SCB Super Value Titanium Card with 5L+ Limit….. Someone told me that I am eligible for an upgrade to ULTIMATE Card…. but the absence of amazon GCs in redemption option is putting me OFF.

    Should we expect the situation related to Amazon GC redemption to remain same ??? Or, will there is complete removal of it ?

    Reply
  243. Anuj Jain

    Hi, I have recently applied for SCB Ultimate card but my application got declined by the bank (due to internal bank policies). I have a CIBIL score of 800+, ITR of over 24 Lakhs. I have an Indusind Iconia card with credit limit of over 6 lakhs and besides, i am also holding Amex Gold card, Citibank premier miles, SBI Prime, Axis bank privilege card, ICICI Amazon Pay.

    Any idea why my application was declined and is there anything i can do to get my application approved?

    Thanks
    Anuj

    Reply
    1. Prashant Gupta

      Did you apply on card on card basis or a direct application???

      Reply
        1. MT

          2 reasons i feel they may have considered in rejecting your application
          1. You already have 6 cards , SCB ultimate would have been your 7th

          2. On those 6cards , you may be enjoying high credit limits and extending the limit further may be risky to them

          I also suggest you to escalate the matter to their jodal officer before giving up the chase , they may tell you the actual reasons for rejection

          Reply
          1. Praveen Katiyar

            @MT
            I doubt that card beyond 6th card must be declined..
            I have way large number of cards, 4 of which are issued this year only..
            Although none of these 4 are from StanC, still..

        2. Prashant Gupta

          Thats strange then. It should have been approved.

          Reply
          1. Anuj

            Thanks MT and Prashant.

            Indeed, I will take it up with their nodal officer.

          2. Anoop E S

            It happened to me three months back. Applied on the basis of DCB having a limit of Rs. 9 lakhs. Got declined. Sent a mail, but just standard reply as internal policy.

            Last month applied again for SC card through sales executive. This time i didn’t bother which variant of the card he is offering. Got the titanium card.

  244. Varun S

    I applied via website for the SC Ultimate card and received the card within 6 days, prompt TAT from SCB (Or desperation to grab more footfall :D). I mainly wanted the card for Golf privileges which seemed the best in market as opposed to high spend requirement of Amex Platinum (requiring Rs 4 Lakh quarterly spend on the card for availing benefits) and other premium cards with no fixed complimentary golf rounds. I have gone ahead and used their concierge service for Golf reservation which seems to work well.

    However, I wanted to explore Dineout card benefits and was registering for the services on the given website. Every time I entered card information, it shows “Invalid Code” error and does not register the card. Anyone facing similar error and any suggestion for resolution?

    Reply
  245. Vic

    Hi, really appreciate all your posts regarding the various cards.
    I wanted to ask, if the renewal benefits are still there, as I tried to ask the customer care, but they said there were no renewal benefits and no fee waiving spend offer also.
    Kindly help and reply, Regards.

    Reply
    1. ManzB

      The renewal benefit is 5000 rewards point for payment of the fees (5000 + GST).

      The best part of this card is UNLIMITED LOUNGE access for Primary + Add on card members (Master card variant) using the card and also your guest/ additional member of your family through Priority Passes to each cardholders (incl add ons). Only catch is that the PP card fees waiver is available only if the previous months expense is 15k for each of the cardholder.

      Reply
      1. Prashant Gupta

        My parents were in Dubai – transit and they went to the PP lounge there. My Mom had her PP(StanC) but my dad was carrying my PP (yes first prefered). My dad was refused access as it was not in his name. But they both were allowed inside using my mom’s PP, she was told she can take 1 guest free with her. I thought PP must be running some offer but if this is true for all SC Ultimate users then its great.

        Reply
      2. Prashant Gupta

        he fee waiver is available at Rs.20K spends previous month.

        Reply
        1. ASHU

          Is there someway possible to get Visa infinite instead of mastercard world now ??

          Reply
          1. Kevin Clint Dsouza

            I just filled the application form today after being said that I stand eligible for the card. Asked the representative that came to collect the form, and he mentioned I will be provided with a VISA variant. Will update on it once I get the card in hand.

          2. Vic

            Hi, Can you tell the pros of visa over master and vice versa, is the visa variant better? Thanks

  246. Amit Sen

    Im getting pre-approved ultimate card for 5k. Im having landmark rewards card for past 2yrs with 3.04lacs CL. Seems like they r giving exact same limit in this. I had stopped using the card after their uber offer expired almost 1yr back. Havent decided as yet.

    Reply
    1. ManzB

      This is one of the best premium card at almost zero fees (fees paid is given back as points). Free lounge access. 3.5% return as reward points. Good enough to grab the card. Lounge access is free for add on card user as well.

      Reply
    2. Prashant Gupta

      Uber offer never stopped for scb ultimate…..and now with Diners club black removing uber as partner this card will be the goto card for uber txs.

      Reply
  247. Vic

    For all the users who have this card, some some questions if you guys could help.
    1) The 5000 points we get on renewal worth Re.1 each, how do we redeem them/redemption options, can we redeem cash against statement outstanding or vouchers/360 only, as in 360 rewards a point is now roughly worth Rs.0.25 against vouchers.
    2) Has SCB changed the point value for this card till date, cos it drastically decreased it for Manhattan sometime back. Could it become less on renewal.
    3) To earn the 3.3% reward rate, are there any exclusions like wallet loads, utility payments, insurance payments, fuel transactions or any other which do not earn any points.
    Thanks and regards

    Reply
    1. RKR

      1. 1 point= Rs1 through ultimate tab.
      2. No. Rs1 for 1 point
      3. No exclusion.

      Reply
  248. Vikas Gupta

    In my POV, this card is not as good as it seems due to very bad reward redemption policy. I am checking the ultimate rewards page from the past 1 month and never see any useful offer where I could redeem my points. I only see iPhone and some other rewards which are not useful for common people. Hence, planning to surrender this card.

    Those, who are looking for a new Ultimate card, keep this thing in mind as irrespective of too many points you won’t be able to redeem the points. Go for Infinia instead which has better reward redemption policy.

    Reply
  249. Vipy

    Guys do we still need 5lac limit on existing card to get this card or is it 4lac now?

    Reply
  250. Shree Vardhan Mundhra

    Hardly any of the useful coupons like MMT and Amazon are available again. Only Croma which is not useful for me.

    Reply
  251. Vipy

    Any idea if the income criteria or card on card basis has been relaxed for this card or is it still the same?

    Reply
    1. Ramesh Kumar

      Yes, it’s same. 4 lakhs for existing customer and 5 lakhs on other bank cards. Income creteria is 2 lakhs per month as per customer care, but their website says stable income.

      Reply
      1. Vipy

        Hey if the other banks card is less than 6 months old but has greater than 5 lakh limit then will it be eligible? And yes the website says stable income required, dunno why they are not mentioning the exact eligibility.

        Reply
        1. Ramesh Kumar

          Other bank credit card should be minimum 6 months old and salary should be more than Rs.2 lakhs per month as per customer care executive.

          Reply
  252. Amann

    Hi Sid

    Please review Bandan Bank Cards. Wondering why it is Issued co branded with SCB?

    Reply
  253. Mouli

    Amazon vouchers are not available after July 15th as per my observation,has anyone found Amazon voucher after July 15 ?

    Reply
    1. Ramesh Kumar

      I’m also checking frequently and not found it, after July 15th.

      Reply
  254. Vipy

    Hey i am planning to apply for this card. Is it still worth it? Are existing ultimate card holders still keeping this card?

    Reply
      1. ASHU

        Card maybe giving 3.3% rewards…but redemption to something uselful is a BIG challenge

        Reply
    1. Cavi

      Worth, only if you get it free for life. Point redemption is a big challenge. Looks like they refill vouchers only in 3-4 months, which get exhausted in less than 12 hours.

      Reply
  255. Animesh Dwivedi

    This card is certainly losing its shine. First the Amazon & Flipkart vouchers disappeared. And now even Croma is gone. Not sure if the high spenders are going to like this.

    Reply
    1. Prashant Gupta

      I also have accumulated some 16K points, but dont know where to spend. leaving the rewards part the card is really good, lounge access, uber 20% cashback, offer during diwali etc…

      Reply
  256. Lakshmi

    Applied and Got the card by using Card to Card option. Used my Diner club card with 4.8L limit and 4.5L unused limit.
    Only worry is got very less limit on the card, they gave only 2.5L as limit.
    Any tips on how to increase the limit of SCB cards.
    BTW, Sales guys are happy to process your application if you have credit card with unused limit of more than 4 Lakh.

    Reply
  257. ashu

    If following redemption options are not available : Amazon , Flipkart , Croma , BigBazaar ….. then it seems like SCB does not want people to use this card — they want people to choke usage with poor redemption options.

    This is the Only Reason I am not upgrading to Ultimate from SuperValueTitanium.

    Reply
  258. Varun arya

    They have one of the worst reward redemption portal for the ultimate credit card holders being one of the premium segment card in the market. I have recent stopped using it further, and have shifted all my expenses to Hdfc Infinia, where their is no limitation on what products I want to redeem on.

    I even reported the matter to the standard chartered bank officials, that their are hardly any option left to redeem the points. But said they will look into the matter as the rewards redemption is controlled by a third party and they themselves can’t do anything in this regard directly.

    So I would suggest all the user of the ultimate credit to start writing to the bank or tell them on call and they might actually start taking some action.

    Varun arya

    Reply
    1. Sree Harsha

      Same here. Very sad for customers. No amazon or other vouchers at all and simply pathetic.
      But i think people are using it still, considering the value of the points and with a hope that they would get back with options.

      I myself have good point to redeem but no option! Informed the bank and they said we cant do anything and we will pass on the feedback

      Reply
  259. Ujjwal

    I have not received 5000 points after paying renewal fees of 5000 rupees+GST in July 2019. Has stanc stopped giving reward points on payment of renewal fees.

    Reply
  260. Naresh Kumar

    Bookmyshow, Croma and Big bazaar vouchers available now. Redeem fast guys! 😀

    Reply
  261. MAA-traveler

    Big Bazaar eVoucher INR 1000 now available. This is the third most wanted voucher after Amazon and Flipkart.

    Reply
    1. Prannoy Ghosh

      Rs 2000 vouchers are a pain….. You would have to travel innumerable no of times to fully claim them

      Reply
        1. Prannoy Ghosh

          No only one per time….. You can’t use multiple…. It’s the same vouchers given by SBI SimplyClick on achieving 1 Lacs n 2 Lacs milestone

          Reply
  262. Sree

    I am both surprised and overwhelmed because I got my Ultimate card in hand today. I will give a brief of the events that led to it. Usual sales telecalling pitch for a LTF credit card from SCB which I listened to and politely declined saying I already own HDFC RF, Citi , Amex plat travel and a couple of other LTF cards. She was disappointed but tried offering me titanium but I told her I might be interested in Ultimate. She told about the fee and I said I was aware about all that. She enquires about my salary and other card limits.

    I was sure I wouldn’t get ultimate but played along. My ITR is not much only about 10 lacs and the executive asked me to give my HDFC CC for card on card basis. That’s my highest limit card with 4.39 lacs limit but I’m using it since 2009. My credit score is 819. But my last statement only showed available limit of 3.77 lacs. My docs were collected and I was skeptical that they’ll give me some other card till the time I received the card In hand. I must say I’m super happy to get this super premium card all thanks to this forum and Sid. Cheers!

    Reply
  263. Himanshu Kainth

    Sree,

    Despite having 5.75L on my hdfc card they aren’t ready to issue me ultimate card. May i know how did u applied ? Are you holding any relationship with stanchart ?

    Reply
    1. Sree

      Himanshu, i have had no relation with SC till now and i havent even applied for any card before with them. I tried for Ultimate knowing i wont be approved but the irony! I think the 3rd party sales team was aggressive in pushing the application since not many would be willing to go for high end cards unless they are aware of the benefits. Maybe i was lucky too

      Reply
  264. Varun arya

    The online rewards portal is not operational at the moment. They have removed the iPhones from the list under the ultimate tab. And also make my trip vouchers are back again. Which makes more sense as compared to the clear trip coupons. Just waiting for them to make the operational again.

    Thanks.

    Reply
  265. Gaurav Sharma

    Hi Siddharth,

    Big fan of your website and a credit card lover. Just wanted to know the procedure to apply Standard chartered ultimate card based on Card on card scheme.

    Awaiting reply.

    Reply
  266. Ankit

    Was Amazon vouchers a temporary benefit? Will amazon/flipkart vouchers will come for redemption in near future?

    Reply
  267. Kevin

    I am going to book an MMT international ticket for 20k and will avail the 10000 cashback for it. But I have this doubt after reading the T&C stated below:
    “Eligibility Criteria” for availing the Offer is the payment by the Ultimate Cardholder of the Joining
    Fees of Rs. 5,000 (Rupees Five Thousand only) in accordance with the Most Important Terms and
    Conditions.

    Does this above Eligibility condition mean I will have to first pay the Rs.5000+GST annual fees and only then book the MMT ticket to be eligible for the Rs.10,000 cashback?
    Has anyone else booked tickets before paying the joining fees which is only billed in first statement and still received the cashback?

    Reply
    1. A2Z

      Paying fees is impending criteria
      You can use card before/after at MMT without doubt
      Just that fees has to be paid whenever billed

      Reply
    2. Vinay Kapoor

      Yes, you need to pay annual fees which is generally sent from second statement to avail the cashback

      Reply
    3. Varun arya

      Yes you can book the ticket and pay the annual fees as per the statement cycle.

      Reply
    4. Mr Purnaiah

      Annual fee should be paid before cash back credited to your account.You can go ahead and book.

      Reply
  268. vic

    So, i got the card, I just wanted to know
    1) for MMT 10,000 cashback, can I use coupons for discount during flight and hotel bookings and still get Rs.10,000 cashback (coupons valid for all, that are generic or related to SCB)
    2) the 3.33% rewards, i.e. 5 points per 150, is it valid for emi (and no cost emi) transactions also?
    3) is the uber 20% offer still valid, priority team dealing with ultimate card said it is, till december 2020.
    Thanks

    Reply
    1. Harshit

      Hey Vic,

      Were you able to get the answer of the below query:

      1. Can I use coupons for discount during flight and hotel bookings and still get Rs.10,000 cashback (coupons valid for all, that are generic or related to SCB)

      2. I have My cash present in my account, can i make partial payment via mycash and partial via SC ultimate.Will that entitle me to get 10K cashback?

      I am also looking for the answer of these question

      Reply
  269. SG

    Customer care told me the uber 20% cashback offer is valid till end of 2020. Can anyone confirm?

    Reply
      1. SG

        Thx. 15% on Ola, 20% on Uber for rides less than 150 Rs. and then use 33% on HDFC.

        Reply
  270. Vic

    Same, question, can I book the mmt flight ot hotels before fee is charged to me?
    Also can I use MMT Coupons to book and still get 10,000 cashback?
    CC told me same, uber offer is there, for oct cashback you will get in end december.
    Offer valid december 2020, no written proof on website, apart from whats written in brochure.
    Can someone confirm

    Reply
  271. Kevin

    Is there a Ola offer too on SC Ultimate? I recently saw in Ola app that there was a 20% cashback offer. But cant find it on ultimate website.

    Reply
      1. Kevin

        I did pay a Ola Ride bill of 500 with my Ultimate card but I am yet to receive the cashback. Is there a period specified for the cashback?

        Reply
        1. Tejas Ghongadi

          The Cashback is posted after two billing cycles of the credit card.

          Reply
    1. Rashid

      Yes, I have linked my card on both and get cash back from both Ola and Uber.

      Reply
  272. Prashant Gupta

    I did a number of forex transaction in August and received the 1.5% cashback this month. Did back calculation which leads to a charge of 3.5% and no service tax of 18%. In effect this card is better in terms of reward then. Effective saving of 1.3% (3.3%-2%).

    Reply
    1. Vic

      Did you still get 3.3% rewards for forex transaction, hence 3.3% and then 2% minus for forex fee so 1.3%?
      Because I read somewhere someone has written that no rewards for forex, hope that’s not correct.
      Also do we get points 3.3% for emi transactions?

      Reply
  273. Bala

    Hi All,

    Its a great website to explore in and out of CC’s. Thanks Sid fir this initiative.
    Need a suggestion from you all. I have scb platinum reward card with limit of 1.02L since 2012. There were no offers yet. I do have hdfc regalia with 6.30L limit. I would like to apply for ultimate Card.

    Should i apply separately for a new card based on card to card or should i call or mail customer care requesting for upgrade stating with this hdfc card details.

    Pls suggest. Thanks
    Bala

    Reply
    1. Ramesh Kumar

      For existing card holders, 4 lakhs credit limit on existing SCB credit card is mandatory irrespective of other bank’s credit card limit. Either try to increase credit limit to Rs.4 lakhs or cancel existing credit card and apply with card on card basis after 6 months.

      Reply
    2. Divyanshu

      You can apply for via new card route. I also had lower limit of SC Manhattan because I was not using that card at all. I applied using new card route and resubmitted all my documents and got the card.

      Reply
  274. Mohit G.

    Hi,
    I want the inputs of members regarding add-on card for my SC ultimate primarily for an extra priority pass. Are SC add-on cards same as supplementary cards. Is there any fee for add-on cards. Can I apply for any basic SC add-on card to save on additional annual fee and still get the priority pass on it or do i need to apply for an ultimate add-on card. Please suggest a suitable add-on card if I am missing anything as I have not applied for an add-on card before. Thank you.

    Reply
    1. Prashant Gupta

      Add on card is like supplementary card. All points are pooled in primary card. You get separate priority pass for each card. You can apply online or call customer care.

      Reply
    2. Mouli

      No Fee for SC ultimate add on cards,it comes with different card number but its attached with your primary card
      But to use the priority pass for free in the add on card,you should have used the corresponding add on card for 20000 in the previous month else you will be charged

      Reply
  275. Vipy

    Guys is this card still worth applying for? As i keep hearing that the redemption options are very limited. And does Stan chart allow us to disable international transactions?

    Reply
    1. CCFreak

      Current redemption options are very poor but still planning to hold this card just for 3.3% reward rate and as a backup for DCB/AMEX cards.

      Reply
  276. Saumendra

    I got upgrade offer to SC Ultimate , I called them and asked for Visa Infinite variant but they told me only Master Card Variant available . It used to have both platform, anyone having any info why only master card variant is offered now a days ? Or they have removed Visa Infinite from their platform.

    Reply
    1. Tejas Ghongadi

      Zilch. Nada.

      This card is a big pain right now in terms of redemption options. The only option for Airline Partners is the Dead Jet Airways (Jet Privilege). SCB haven’t even changed the name to Inter Miles yet on the redemption page.

      Reply
  277. Satish

    I have been using this card for the past 2 years. I was given credit limit of 1.5 lakhs. They have not increased the credit limit in the last 2 years. Everytime I ask for credit limit increase, they say that decision is ‘Internal’ to the bank. On what basis do they increase credit limit?

    Reply
    1. Prashant Gupta

      I use the card regularly with good spends and been getting limit increase every 6 months by 50%.

      Reply
      1. Murali

        Can you please tell how? I took card in May and by Nov it’s 6 months with payments on time. My existing rewards are 40K and you can understand the spends. When I ask for limit enhancement, they keep telling it’s not in their hands and every month 15th offers will be given if eligible for enhancement . Else asking me to send the bank statements and salary statements to enhance that too based on offer. I don’t know what their policies are and how they consider. Amex is the only credit card provider revise the limit after every 6 months once if I ask

        Reply
  278. Arun

    I have a DCB and planning to apply SC Ultimate as back up card.
    In the website I see a Mastercard World edition in the picture.

    Should I go with Mastercard or Should I ask for Visa Infinite version?

    Which one is beneficial in India?

    P.S, I have a YFP which is also Mastercard World.

    Reply
    1. Murali

      Arun,

      They don’t offer Visa variant. I verified the same with the customer care 6 months back when i got this card. I asked for replacement with Visa Variant. I was told that visa infinite credit card is completely different comes with SC priority banking. All the ultimate card is issued with only Master World. Who ever had a chance to get Visa Infinite version of Ultimate card before 2 years can continue with the same.

      Reply
  279. Murali

    This is one of the Top cards with no proper redemption Options. I have 40K points and very limited options unlike HDFC/SBI.
    To get Limit enhancement is big headache. Spent 10+L in 6 months and no enhancement. At least if i would have spent on Diners club miles, i might have tried for infinia. Just the card shines not everything

    Reply
  280. Arun V

    Can I get this based on my Regalia which has 8.5L limit? Regalia is LTF, will they offer this catd as LTF?

    Reply
    1. Tejas Ghongadi

      Yes. I got this card on the basis of Regalia with a Credit Limit of 5 lacs. This was almost a year back.

      Reply
  281. NT

    Hi Sid,
    I have an LTF SC Priority Visa Infinite. They are offering SC ultimate on MC World. I like the visa infinite one.
    How do i get it? what do you think?

    Also, what do you think about the IndusInd Crest MC World Elite with one time AMF of 1 Lac + gst.?

    Let me know.

    Cheers!

    Reply
  282. Tejas Joshi

    I was using Amex MRCC (for wallet reload) + Regalis (for 10x and other uses). I recently upgraded from Regalia to DCB. I have been using DCB for a week but I have seen some cases (txns with high amount) where I was not able to pay because of unacceptability issues (I already knew it was but never experienced). I have been searching for the good backup for DCB. I have read some replies that SC ultimate is good one but redemption is poor. I am not considering Amazon voucher from the SC points because DCB will benefit more for Amazon. Any reviews on SC Ultimate OR any other card good for backup with high rewards?

    Reply
    1. Tejas Ghongadi

      It has been at least 5–6 months that Amazon Vouchers have not been available for SCB Ultimate card. The redemption options too have been decreasing day by day with less than 25 options are the 1 RP = 1 Re. Conversion rate.

      SCB Ultimate is a good card to compliment the DCB. However, the redemption options needs to improve drastically. If it doesn’t the card could soon become useless.

      Reply
    2. Naresh kumar

      Dcb and scb ultimate are the best at present for an average spender to earn maximum points.
      Ultimate recently had big bazaar in abundance for 2 months, but from past 1 week the redemption catalogue is not updated. There are still westside, shoppers stop, makemytrip, lifestyle vouchers are present.

      I was very skeptical when i was applying but when i experienced all the redemptions, festive offers and usage, i felt good i went with this card. There are no limitations on the points you can earn, wallet loads, fuel, insurance etc.
      I would say you can’t go wrong this card.

      Reply
  283. pavan

    Is it possible to convert the cashback received(Rs 10000 post MMT transaction) to cash which I can use to settle credit card bill ?

    Reply
    1. Tejas Ghongadi

      The Cashback anyhow gets credited to the Credit Card account. However, this will be posted 90 Days after the date of travel or stay. So yes, the Cashback will offset part or full bill of yours in the month which it gets posted.

      Reply
    2. Mouli

      Pavan,
      Cashback can be use din the next billing cycle only to adjust the bill,once I though by default they will adjust but that didnt happen

      Reply
  284. RB

    For people who got this card with card-on-card (CoC) basis –
    1. Will StanC check CIBIL score with CoC application? I am new to credit history in India, and do not have a CIBIL score yet (I think it takes around 6 moths of CC usage to get score)?
    2. I am planning to apply for this with DCB of limit 7L, but it is only a month old. Can duration of DCB impact the approval chances?

    Reply
    1. Sharathkumar Anbu

      1. CIBIL check is mandatory for all cards, especially when you go with card to card application.

      2. The existing card should be at least 1 year old and available limit more than 4.5 Lakhs to initiate card to card application.

      Reply
  285. Santa Singh

    They have seemingly removed the Croma vouchers from rewards. That’s the benefit I used often and will badlly miss.

    (I may even move to another super premium card that offers Amazon/Flipkart/Croma vouchers instead!)

    Reply
    1. rajesh kumar a

      (I may even move to another super premium card that offers Amazon/Flipkart/Croma vouchers instead!)

      May i know what is this another super premium card – which bank?

      Reply
  286. Rajesh Kumar A

    please help in clarifying the following about SC ultimate 10k cashback option on MMT.
    1) Is it applicable only on Hotels or flight tickets also we can avail?.
    2) how this can availed will they share any voucher code and we have to apply the same on MMT.
    3) hope the cashback will receive on credit card itself and not into MMT account.

    Reply
    1. Sree

      1. Applicable on hotels and flights too. I booked flight tickets for Rs.9300 and got the cashback after 2 months
      2.No codes. Just book as you will but make the full payment with your Ultimate card.
      3.Yes, it will be received in your card as cashback

      Reply
    2. MAA-traveler

      @ Rajesh Kumar A,
      To answer your queries:
      1. Flight or hotel
      2. No code. Just use your SCB Ultimate card but be sure not to use this card again with MMT till your travel is done as it may take the first completed travel for calculating the cashback.
      3. Cashback as statement credit.

      These queries were answered multiple times in the comments section. Go through them before asking any question.

      Reply
    3. KD

      1. It is applicable on both – hotels and flights.
      2. No voucher code required. You will only need to make your payment using this card. (Please note- your first payment made by your Ultimate card on MMT will be considered for the cashback)
      3. It will be received on the credit card itself.

      Reply
    4. Tejas Ghongadi

      1. Applicable on both Hotels and Flight Tickets
      2 No Voucher Code or anything. Just use your SCB Ultimate card to make the transaction on MMT.
      3. Cashback will be posted in the Credit Card Account.

      Reply
  287. Varun arya

    Hi friends
    The standard chartered ultimate credit card rewards are getting worst from worse.
    They offer an excellent reward rate, but I think it is use less with the options of rewards they offer under the ultimate tab. It is just a gimmick of offering this kind of reward points which do not hold any kind on value.
    So I would suggest the people who are planning to apply for this credit card, rather to go for any other, which offers less rewards but useful ones.

    Varun.

    Reply
  288. Animesh Dwivedi

    They have almost killed this Card. Almost no way to redeem if you have substantial points.

    Reply
  289. Rishabh

    Got the card issued today in just 2 days, submitted documents on Friday evening. Applied based on card on card basis as existing SC cards having only 2.5lac shared limit.
    Good to see bank issued me Ultimate card as well though holding 3 other cards already from SC.

    Reply
  290. Vishwanatha

    Pathetic redemption of rewards. Forget amazon, Flipkart.. No BMS, Croma, Big Bazaar. No point in continuing with the card.

    Reply
  291. Mohit G.

    Yes, i agree with Varun. All useful rewards like Amazon, Flipkart, Croma, Big bazaar, Shopper Stop 5k, Westside, Pantaloons etc. have been withdrawn. there were anyway no rewards like Uber, swiggy, zomato, bookmyshow, OLA, BigBasket etc. Hence, in a way reward points have been devalued. Card rating should be decreased basis that.

    Reply
  292. GAURAV CHAUDHARY

    Hello every one i just got a ultimate card i haven’t used it so please suggest me if i use or not or should i cancel the card right away.
    Monthly 1.5 lakh average usage,
    Help will be highly appreciated.
    Regards
    Gaurav

    Reply
    1. GAURAV CHAUDHARY

      They offered me a combined limit of 6.48 lakh dineout + ultimate credit card

      Reply
  293. Nikhil

    Does it make sense to renew the card if you hold dcb and amex plat travel, ultimate rewards store is shrinking day by day

    Reply
    1. Siddharth Post author

      SC Ultimate holders, Could you share the available brands for insta vouchers?
      Will update the article as many have this doubt.

      Reply
      1. Prashant Gupta

        Hardly any vouchers available now:
        Fabindia,Mainland china,Raymond,samsonite and UCB all Rs.1000….
        Its getting difficult now when to redeem especially for those who are sitting on piles of points.
        Because of this card is losing its utility.

        Reply
      2. Sharathkumar Anbu

        Right now the list is very poor. I am just waiting for some vouchers to come back soon.

        1. Samsonite
        2. Raymond
        3. Fabindia
        4. United Colors of Benetton
        5. Mainland China

        Only these vouchers available, All 1000 rupees denomination. I have 20K+ points and stuck right now without good vouchers.

        Reply
          1. SG

            FYI, all of the above are physical gift vouchers. There are no eVouchers at the moment, none!

  294. MT

    Fabindia Rs 1000, Mainland china Rs 1000, raymond shop 1000 , samsonite 1000 , united colors of benetton 1000 remaining in ultimate section as of writing this comment

    Reply
  295. Mouli

    This is the worst redemption option available in the credit card industry, Any LTF card will have better options
    Even other LTF SC credit card has better redemption options.
    Send a tweet and email to SC team regarding the same.I am having good number of points dont know how to use it?

    Reply
  296. Sud

    I would say this is worst card in history and will continue to remain in history forever in terms of redemptions options for rewards.

    Reply
  297. Vic

    Regarding redemption , I called the customer care and asked when new vouchers would be added, If we all email/call/tweet to them , I am sure they will add some new ones.

    Reply
  298. Tejas Ghongadi

    Have decided moved most of my spends away from SCB Ultimate for some time till these guys get their act together in terms of Rewards Redemption options. Don’t want to end up with loads of points and no good redemption option.

    HDFC DCB for all major spends & Citi Premier Miles for Fuel Spends (IOCL Fuel Bunk) right now.

    Reply
  299. Korem

    While I get the issues of not being able to utilize rewards points, those on the mastercard variant of this card essentially get unlimited lounge access (even for add-on holders), and the 5000 reward points on payment of annual fees, essentially make this a pseudo-LTF card. Monthly golf games are an added bonus.
    Correct me if I’m wrong. Thanks.

    Reply
    1. Tejas Ghongadi

      Your thinking is correct. However, consider this point. Most of the people having the SCB Ultimate have either an HDFC DCB or Infinia which gives the same level of rewards in terms of RP, Lounge access, Golf Games plus the added Fee Waiver at 5 & 8 Lacs annual spends respectively.

      In SCB ultimate, while they are giving 5000 Points, you are still paying 900 Rs. GST additional. This gets covered in RP, however, if you dont have good redemption options then the value of RPs drops drastically.

      On the other hand, the redemption options in HDFC are exponentially more than SCB Ultimate right now. SCB guys haven’t even bothered to change JetPrivilege Miles to InterMiles yet. Let alone new options for Miles conversion. Wish we had a facepalm Emoji here. 🙂

      Reply
      1. Prashant Gupta

        The only reason its my back up card is the school website only accepts visa or master for payment of fees. Otherwise i would have opted for amex travel or used my DCB. I dont know why DCB is ignoring the complaints of users about point redemption.

        Reply
  300. Prashant Gupta

    Dont know where to post:
    SC is discontinuing association with Landmark and subsequently discontinuing the card from 1 March 2020. They are sending pre approved Digismart card to all who have the Landmark Rewards card, Which i think i better card which some good discounts on Myntra, Ola, Zomato, Yatra, Grofers and 1 on 1 on inox cinemas.

    Reply
    1. Prashant Gupta

      As the card has a monthly usage fee of Rs49, this has been waived for first 12 months. Nice way to push new card in market. But Landmark rewards was LTF. They have also written about if anyone wants any other card or varient to contact customer care.

      Reply
  301. varun arya

    HI FRIENDS
    recently i wrote a mail to the following in the standard chartered banking grievance cell
    1. customer care
    2. head of customer care services
    3. nodal officer
    4. principal nodal officer
    regarding the pathetic reward redemption system in standard chartered, specially under the ultimate tab.

    my letter to them was as under

    Hi,
    I am a Standard Chartered Ultimate credit card Holder.
    I want to bring it to your notice in the form of a complaint, that the company you have out-sourced for the redemption of the credit card reward, is making the company as well as the customers fool, by not offering any ways to redeem the points that are earned of the spends done on the credit card. Under the ultimate tab specially, their are only 11 products now as compared to the 51 options that were their earlier. And of the 11 products available, no product has any kind of value to the customer.

    after writing this mail to them i got an immediate response by them in 24hours, that my problem will be resolved within 2 working days.
    and exactly after 2 working days, the standard chartered portal, was updated with the redemption options.
    and now they have everything on the portal, naming
    1. big bazaar
    2. book my show
    3. lifestyle
    4. croma
    5. shopperstop
    6. westside
    7. make my trip
    and many others.

    so please i would suggest all the credit card holders of the standard chartered, please write a letter to all four grievance divisions of the standard chartered banking system, so that these options do not go away from their portal ever in the future as well

    thanks and regards
    varun arya

    Reply
    1. Praveen Katiyar

      @ Varun Arya
      for the benefit of all, can you please list these emails.
      This would help the cardexpert community to get resolutions faster.

      Reply
  302. Vic

    As spoken to the customer earlier, new vouchers are again added.
    Presently available-
    Big Bazaar eVoucher INR 1000
    BookMyShow eVoucher Rs.1000
    Croma Gift Voucher Rs.5000
    Hidesign eVoucher Rs. 1000
    Lifestyle eVoucher Rs.1000
    Lifestyle Voucher INR 5000
    Make My Trip Open Voucher eVoucher INR 5000
    Shoppers Stop eVoucher Rs. 1000
    Shopper Stop Voucher INR 5000
    Titan Gift Voucher Rs.1000
    Westside eVoucher Rs. 1000

    Already were available, still are-
    Fabindia Gift Voucher Rs.1000
    Mainland China Gift Voucher Rs.1000
    Raymond Gift Voucher Rs.1000
    Samsonite Gift Voucher Rs.1000
    United Colors of Benetton Gift Voucher Rs.1000

    @Siddharth

    Usually these vouchers are there in 360 ultimate, only amazon flipkart have not been seen for a very long period.
    This card is not that bad. It has joining as well as renewal benefits, 3.3% rewards, uber, ola benefit, lounge, priority pass, golf,etc.
    Some reward redemption problems are present, they need to work on that, add more vouchers, like amazon flipkart, more redemption options, try to keep the vouchers at all times,etc.

    DCB is also a good card(3.3%, 10x rewards, more redemption options,etc.) but with the fee raised back , renewal waiver on 5L, 8L for extra benefits, and with acceptability issues still present, scb card can not be ignored.

    Reply
  303. MAA-traveler

    Does the Uber 20% cashback still active for SCB Ultimate? If so, till when. It was around Dec ’19 and I’ve received cashback for Nov’19.

    Reply
    1. TG

      As much as I remember, this offer was supposed to be valid till 31-Dec-20.

      Reply
  304. SwingTrader

    Hi,

    Is it true that id you pay your SCB Ultimate bills through your SCB savings account you will earn 9,000 reward points over a period of 3-4 months (in a couple of tranches)?

    I got to know this when I finished my online application of the card, which was approved in principle. The banner enticed me to apply for a savings bank account as well but when I checked online I couldn’t find anything that corroborated this.

    Reply
  305. Praveen Katiyar

    @ Sid & other Card Expert Followers,
    I requested for up-gradation of my SC Landmark credit card. When the card was generated in my SC Credit card account, I checked the BIN Number, it was on MC World Platform. While placing the request I categorically mentioned twice that I want ‘Visa Infinite’ version only. On knowing this I wrote a stinker to customer care and CC to service head/ nodal officer etc in a single email. The mail was acknowledged and extra 3 days taken by the team to resolve. Meanwhile, MC World card is delivered to me.
    My question is has anyone received ‘Visa Infinite’ version recently, if yes I can wait and escalate to get Visa Infinite.

    Reply
    1. Gautam

      Nope, Praveen. They’re issuing only MC version, of late. My card is on the way and I am reasonably certain it’s a master card. The way I see it if you have a well-diversified card portfolio it doesn’t matter if the incremental card is a visa or a master card. But that’s just me.

      Reply
      1. Praveen Katiyar

        @Gautam
        Ya, got email from SC that they only issue MC Version.
        I was only interested in BMS offer on Visa Infinite, else I have Yes First Exclusive on MC world platform..
        No choice if SC isn’t issuing Visa on Ultimate.

        Reply
        1. Gautam

          I got MC too. I agree with you that having a card on each platform does help. Can totally understand your disappointment.

          Regarding the BMS thing, in my short experience of using an infinite card for BMS bookings, I found that it seldom works. There is a strict cap on total tickets available for booking. I have never been to take advantage of the promotion for a weekend booking. I find booking tickets using DCB ( 10% discount + 10x, if available) to be a very good alternative. Not to mention the BMS freebie that you get on reaching monthly spend milestone.

          I have a Yes First too. Rewards to spends ratio is below par.

          Reply
  306. Gautam

    Amazon vouchers are now available, albeit with a max cap of Rs. 5k, on HDFC Smartbuy. Can you guys check if Amazon vouchers are available on SCB too?

    Have a hunch that the unavailability of Amazon vouchers was not just an SCB thing.

    Reply
    1. A2Z

      Amazon vouchers is most popular redemption option
      Once SCB Ultimate was in several hands many people accumulated lots of points & redeemed for Amazon
      After initial period when Amazon voucher used to be in abundance on SCB Portal they first removed 1000 denomination & then made 2000 one also random
      I doubt this will come on that frequent basis now

      Same happened with Yes Bank. For their Exclusive & Preferred cards issued in Bulk they soon fall short & removed Amazon & never brought back.

      HDFC Smartbuy Gyftr first month was their trial then they realised the excessive buying of these & must have understood their mistake
      Last 2 months they did not bring it back at all
      This month they brought it for so short period that most people could not even redeem it
      Don’t think they would like to give these as Freebie

      Reply
  307. jk

    Big Bazaar and some other vouchers added in Ultimate rewards redemption..

    Reply
  308. Mouli

    New options in the redemption section

    Apollo Healing Card PVC Rs 1000
    Central Gift Voucher Rs.2002
    Nykaa.com online eVoucher INR 1000
    Pantaloon Gift Voucher Rs.1000

    Reply
  309. Vic

    I wanted someone to confirm that will we still get 10000 cash back if/when used to book flights for family under their name, or will they cheat and refuse to give cash back,pls help guys, thanks

    Reply
    1. Prashant Gupta

      As long as payment is made from your card you will get the cashback irrespective of the booking name.

      Reply
    2. Lakshmi

      Yes, u do get the max 10k Cb if u met the other conditions.

      I got it for the tickets i had booked for my brother.

      Reply
    3. Vic

      Thanks all of you for your replies, still awaiting a response from scb, hopefully they will credit the 10,000, lets see.

      Reply
  310. Vaibhav Aggarwal

    Stay away from Standard Chartered Bank. They are not helping me in a international credit card fraud on dmarket and neonet websites. Worst customercare. Mods do publish please

    Reply
  311. Sanam Bhateja

    Guys please help me with this- I booked flights for 2 passengers for Rs. 20,000. If I cancel tickets of one of the passengers and get a refund of Rs. 10,000. Will I still get the statement credit of Rs. 10,000?

    Reply
    1. Gautam

      Hi,

      T&Cs clearly say that partial or full cancellation will not fetch any statement credit.

      Best,

      Reply
  312. Mouli

    Sanam Bhateja,

    Bit tricky,but ideally you should get statement credit.Check with CC once

    To be safer on the safer side,talk to the MMT support and ask them to credit the amount to MMT wallet instead to the card account,if possible

    Reply
    1. Gautam

      Mouli,

      What is your strategy for extracting maximum value out of each of your super premium cards – DCB, YFE, Ultimate , Amex and the like?

      I hold the same set of cards and wish to know if our strategies are in sync, hence this request.

      Best,
      Gautam

      Reply
  313. Abhi

    Been using StanC Supervalue Titanium for past 13yrs. Limit is around 2lac only as my usage has been pretty less, like occasional fuel spends. They keep asking me to upgrade to Manhattan which am not interested in. Called CC to ask if they can offer me Ultimate, but he said existing customers should have min limit of 5lac on current variants, only then they consider for Ultimate.

    I mentioned I have other bank cards with higher limits, like DCB with 7.7L, and also no issues with Cibil score or ITR requirements of 24L, and hold other super premium cards like Icici Rubyx, Yes Exclusive, Amex PT,… He said that they can consider for Card-to-Card only for new customers but existing customers must have min 5L limit already. He said even if I upgrade to Manhattan it will still not increase the limit much.

    So from CC it doesnt seem possible to get Ultimate, which I thought is a nice card for wallet loading. Can you guys suggest any other way I can try for Ultimate? Since I will have a couple of lac annual spends through wallet loads.

    Reply
    1. Gautam

      You should first ask for limit enhancement. Given the vintage of the relationship, I don’t think you will have any problem in getting a Rs. 5 lac limit, regardless of card usage. Before upgrading to DCB, had not been using my Regalia at all for the past couple of years yet my limit was gradually increased by the bank to make it 4x of my starting Regalia limit.

      After getting the limit enhancement you may ask for an upgrade. I don’t recommend that you close the card (to make a fresh application for Ultimate) as the same will affect your CIBIL.

      Good luck.

      Reply
    2. Praveen Katiyar

      @Abhi
      Iam sure you must be eligible for Ultimate.
      I got my ultimate with existing card having limit a bit less than 4.5L. This should give u a bit hope. Please login to stanC credit card and try ‘help and services’ then ‘card Management’ then limit increase. U can surely get LE.
      Hope it helps.

      Reply
      1. Harsh Rastogi

        Has anyone used this card for doing rent payments on Nobroker.com. Do we get the 3.3% rewards for those transactions?

        Reply
    3. rahul

      Close the present card and than apply card on card basis. you will get it. i did the same

      Reply
  314. Rishabh

    Apply online through the website. Dont choose ‘Existing Customer’ option, select ‘New Customer’ option, enter salary as 2lpa (minimum system considers) & provide DCB limit details.

    You will receive the call from them, tell them you want to apply card on card basis and it is optional to tell them about your existing card. They will not ask for Salary proof document.

    Bank will issue you Ultimate Card with shared limit same as of existing card.

    I went through above and got the Ultimate card in 3 days only.
    I hold Manhattan & SC Titanium cards already with limit lesser than 5lpa.

    Reply
    1. Anoop E S

      Is your limit above Rs,4 lakhs. coz that is the limit they’re insisting for upgrade to Ultimate

      Reply
      1. Rishabh Mangal

        no it is below 3. Dont ask for upgrade. Apply fresh application for Ultimate, after card issuance you can ask them to close old card

        Reply
  315. Abhi

    Thanks for pouring in cardexpertise, this is what makes this community so great.
    CC has given back in writing that existing credit limit should be atleast 4L, though they had mentioned 5L over phone.
    Have also applied online by choosing New Customer option and a different mobile number. Its been 5-6 days, no revert yet.
    Until I can get SCU, my options for wallet loading are Icici Rubyx and Yes Exclusive. Already exhausted 4L on Amex PT and MRCC 4K monthly. Mostly need to load Paytm, Mobikwik, Amazon Pay. DCB doesn’t give points on those.

    Reply
    1. Rishabh

      Not just wallet load, i have transferred all my expenses on this card except 10x categories of HDFC due to better redemption options available.

      Reply
  316. Gautam

    One more reason to insist on VISA Infine variant – My card wasn’t accepted at Nagpur Airport domestic lounge even though MasterCard was explicitly mentioned but Visa wasn’t outside the gate in the list of accepted cards/partners (wouldn’t call that place a lounge, but that’s a discussion for another day).

    Axis infinite and DCB worked.

    Reply
  317. Shree Vardhan Mundhra

    I currently have the Visa Infinite cards for all 4 members of my family. At the time of renewal, will they issue mastercards or will they issue visa infinites again.

    Reply
    1. Prashant Gupta

      Tough to answer as these days sc only issues mastercard. Better to call customer care and place request of visa and check.

      Reply
    2. Surya

      I have insisted, upto the point that I will be cancelling my card, still, StanChart team were unable to provide me with Visa Infinite. I have been spending pretty good amount on this card and inspite of that, StanChart were willing to let go of a customer instead of giving a Visa Infinite (or maybe they were better in negotiating such thing). I would like to mention that I haven’t faced any problems with my MasterCard. In last 11 months I have made a long Europe trip and made significant purchases via this card, have used it for Domestic Lounge access at multiple airports and international lounge at Swiss airport n Frankfurt via PP.

      Reply
      1. Murali

        Same Happens with me. Got card with 5l limit on may 2k19. Asked for limit enhancement after card spends were 11L in 6 M. They refused. I told i will cancel the card if this doesn’t happens. Their executive told please go ahead with that and asked me to redeem my reward points before cancellation.

        Stanc team made clear to me once I have asked for the same that all the ultimate cards will be on Master World. Only the cards that were issued on Visa infinite in the beginning will continue for them.

        Reply
  318. Ramesh Kumar

    Today evening got following messages from SCB:
    The airport lounge access on your StanChart Ultimate credit card gets a lavish upgrade! No need to carry any membership card. Simply download the Dreamfolks app today and enjoy easy access to over 1,000 airport lounges across the world.

    Does that means it’s moved to dragonpass instead of priority pass?

    Reply
  319. Mouli

    I heard that the newly issued SC Ultimate card comes along with DreamFolks DragonPass also

    Reply
    1. Poornith Ninan

      I received my Ultimate card about 10 days back and it came with Priority Pass.

      Reply
  320. Rishabh Mangal

    Can you share the URL received on SMS or Email from Bank. Bank guy told me not to install app directly but use the link sent on message. Currently it ask for Memebership ID in the app after OTP validation.

    Reply
  321. Murali

    Same Happens with me. Got card with 5l limit on may 2k19. Asked for limit enhancement after card spends were 11L in 6 M. They refused. I told i will cancel the card if this doesn’t happens. Their executive told please go ahead with that and asked me to redeem my reward points before cancellation.

    Stanc team made clear to me once I have asked for the same that all the ultimate cards will be on Master World. Only the cards that were issued on Visa infinite in the beginning will continue for them.

    Reply
  322. RN

    Credit limit offered by SC for Ultimate card is very low while they ask for a salary of 2 lacs per month.

    I got my card with credit limit of just 144 K, disappointed on part of credit limit. Was expecting at-least 5 lacs of credit lint with payslips of 190K l a month.

    Reply
  323. Nikhil KHanolkar

    How does this card compare to Yes First Exclusive and SBI Elite? My current spend is around 8-9 lakh pa. I am trying to decide if I can make this my primary card

    Thanks in advance!

    Reply
  324. Parag Gupta

    I have a question regarding MMT cashback offer. I have got card 1.5 months back but now as there is no use of booking through MMT due to lock-down so can we do future bookings like book tickets for November for now with cancellation policy? As my 3 months period is about to end. I am thinking to book tickets of more than 10K through MMT having travel date of November 2020 or later.

    Reply
    1. MT

      I would suggest wrote to SCB first , in case they are willing to extend the offer rather than book tickets when you are unsure of travelling just for earning cashback

      Reply
      1. Parag Gupta

        I wrote to them but no response till now. Any specific email where can i send email?

        Reply
      2. Parvesh Goyal

        I also had been issued SC Ultimate before lockdown and my card was stucked in courier and was delivered after lifting of lockdown. I asked to extend the MMT offer date as all travel plans are on halt due to Covid19 pandemic situation. They clearly told that it was not possible to extend the date. I had applied the card for MMT offer of Rs 10k as SC Ultimate comes with membership fee of Rs 5k + Gst which goes appx 6k. I m using DCB and getting better reward points and better reward points redemption options. In SC Ultimate there is a catalogue from where we have to choose the items to redeem the reward points and the price of the items is very high if we compare with mkt price. They lure by offering that on spend of every 150 rupees we will get 5 reward points and each reward point is equal to 1 rupee. But when we redeem the rewards from SC catalogue, the value of reward points comes down below 50 paise which is bad redemption rate as per my view. So I had cancelled the card. In DCB we can book air tickets and hotels on market prices with reward points and still the DCB is best in class even after reduction of offers. Most of the vouchers like Amazon, Flipkart, Big Bazaar, More, Spencers are available with 10x reward points which straight away goes upto 33% discount. So in my view SC Ultimate is always below DCB.

        Reply
    2. MT

      Oh yes, if you book cancellable tickets and cancel in the future and MMT refunds the money , SCB reserves right to claw back the cashback given

      Reply
    3. Ramesh Kumar

      You can ask for extension of offer to SCB by explaining the current situation, most likely they’ll extend.

      Reply
    4. Korem

      I received a message saying the offer has been extended till June 30 and I had taken the card in December.

      Refer this link bit.ly/3aswo6I

      Really good initiative on their part IMHO.

      Not clarified yet if a booking made before 30 June 2020 for a date after 30 June 2020 will still be eligible for cashback (which I believe was allowed earlier).

      Hope this is useful.

      Reply
  325. Rishabh

    Received 10K cash back today without any follow up for MMT txn in Jan this year.

    Reply
  326. Tej

    Can we able to get this Credit card if the income is 10.5 lakhs.?? Is there any workaround to get this credit card?
    My other credit card max limit is 1.71 lakhs.

    Reply
    1. MrNightStar

      No.
      Income in excess of 21lpa or credit limit of 5L and above in one card.

      Reply
  327. Shaishav Shah

    The card is useless, as there is no redemption option is available. They have removed vouchers of Big Bazar and Croma also. So, very few options to redeem.

    Reply
    1. KK

      True that! The redemption options are pathetic. They have levied the annual charges of 5k so I was about to cancel this card after redeeming 10k worth of points but don’t have the redemption options. I am stuck now.

      Reply
  328. Varun

    I had raised the query in the past couple of weeks regarding non-availability of redemption options for the ultimate credit card holder. To which I got a reply from the head of services at standard chartered just yesterday.

    This is with reference to your complaint number 202005 raised with us towards your SCB credit card account.

    We thank you once again for sharing your valuable feedback regarding the availability of gift items under the Ultimate credit card rewards option. Based on your earlier interaction, we have already forwarded the feedback to the concerned authorities for appropriate action.

    We take this opportunity to inform you that we are in midst of launching a new portal to provide our customers with enhanced experience and an updated Catalog. The same will be live soon by the end of June 2020 approximately.

    Please note that all variety of vouchers and products will be available for ultimate credit cardholders for redemption in the new portal very soon.

    Your feedback holds a lot of value. We once again thank you for bringing this requirement of yours, to our attention.

    Trust the above clarifies your concerns.

    So this shows the reason for the lack of redemption options at the portal and hopefully something new is coming soon.

    Reply
    1. Parth Patel

      Today no redemption options are being shown in any categories. Hopefully better options are on the way!

      Reply
  329. Prashant Gupta

    only vouchers from BMS, MMT and Yatra available now. A good card with bad redemption options. I have 15K points but no option to redeem.

    Reply
  330. Purna

    They have waived my annual fee when i called and requested. I said i don’t want 5000 reward points.

    Reply
    1. Naresh kumar

      How? To me they said, cancel the card if i can’t pay the fees.

      Reply
  331. Mahesh Sharma

    Just for information of all community
    Standard Chatered levied a “INTEREST” charge on my credit card from month of november to April , total amount charged was around 5000 .
    Though customer care was very good , when i called and told them about my issue , they told me it happened due to a system issue and reversed whole amount whatever was charged.

    So i request all of you to go and check your statements and see if there is transaction with name as “INTEREST” charged on your card

    Reply
  332. Amann

    Hope SC ultimate is not devalued in any way.

    SC rewards website is being revamped. Added a cash redemption option which is currently not working. No vouchers available.

    8 days ( by 23rd June) is what Customer Care has told me to wait for but if anyone sees it working earlier, please update it here immediately.

    Reply
  333. Curious ultimate

    Has anyone got 1% cashback for the promotional period upto dec 2019? I sent email and reminders but no response

    Reply
  334. Amann

    The cashback was posted on 30 Marc 2020. On supplementary card if you have one. If not, then on primary card itself.

    Check if you got it in tose dates. If not call customer service. Still you may want to check if you fulfilled the TnC if you didn’t get it.

    Reply
  335. Mahesh Badam

    Has anyone noticed that all the redemption options for Ultimate card and may be others also have been removed from online for last 4 days. i initially thought its an error but slowly even one of two options have also been removed. i wrote to them 4 days back but no response yet. Do you see any chance that SC might cancel the redemption or might downgrade the options.

    Reply
  336. Curious ultimate

    Checked, haven’t got it. Also didn’t get the reward points for annual fees. Writing to them but not getting any response. It’s becoming a pain. How can super premium card customers be treated this way?

    Reply
    1. Amann

      Kindly wait till 24th June for redemption portal to be ready. You have no other option on that front.

      For 5000 annual points, wait for atleast 60 days from when your payment due annual fees. If GST is charged in next / later statement after Rs. 5000/- annual fee is paid, then use due date of that statement. So if you payment due date was 30th April, then expect points around credit 30th June.

      Reply
        1. Amann

          Just saw it too and am not happy about it.

          SC needs to work and show results asap. Its loosing goodwill among customers and maybe even thousands of excellent customers who won’t renew this card.

          Still haven’t received annual fees points after 57 days.

          Reply
  337. Curious ultimate

    Reply from SC is that rent paid via redgiraffe is not eligible for 1% cash back. Has anyone got 1% for rent paid?

    Reply
  338. Curious ultimate

    Update. The customer service replied that 1% is not eligible for rent paid through redgiraffe. Has anyone else got for rent payments? The annual fee reward points will get credited after 60 days

    Reply
  339. Ramesh Raju

    I worte an email to head of service of SC bank about the Rewards. They are avoiding and giving useless replies the Ultimate rewards site is still empty. I hope they dont devalue the points

    Reply
  340. SumS

    New rewards portal operational for desktop. Showing only 3 -4 options, But nothing works. Looks like still work in Progress ☹

    Reply
  341. Purna

    Rewards Portal is up and there is no Ultimate tab for Ultimate cardholders.It is difficult to identify the products/voucher in new portal. As usual there are no great options to redeem .Following are the available BigBazar,Myntra,ShopperStop,Titan,Zomoto Gold,Yatra,MakeMyTrip,JoyAlukkas …etc

    Reply
    1. Anshul

      Again, it’s all the same useless and worthless redemption options. Idk what revamped rewards were they talking of! Very disappointing. Time to stop using this card altogether.

      Reply
    2. Parth Patel

      Man I have a completely different view from what you are saying, in current situation where all cards are devaluating their rewards I think SC just added amazing redemption options without and reduction in its card return value.

      There is no ultimate option as now all rewards are common and the portal automatically detects your credit card and points are redeemed as per your card value. So for ultimate it is still 1point = Rs. 1.

      I find the new portal amazing, many options in electronics of Bose head phones/earphones and bluetooth speakers, samsung s20, note, A51, many tablets, marshall products, sennheiser products, vivo, JBL, fitbit, harmon kordan, amazon eco dot and sticks etc. All items at points equal to MRP for ultimate cards.

      Even vouchers options are good with options like croma, westside, titan, myntra, us polo assn., hidesign, arrow, gap, nyka, central, shopperstop, makemytrip, yatra, clear stip, etc. All in the value 1point = Rs. 1.

      Lifestyle products like swaroski and dyson are also listed. And some more options under travel and home & family also listed with not so great products but not bad either.

      Overall I would say products under electronics are the best with all budget options from 5k to 1.32lacs (iphone pro max 256GB). Vouchers are also in plenty for small points redemption as mostly are in 1000-2000 points range.

      I think this is the best no non-sense and fixed 3.3% return card on all transactions. And better redemption options as compared to infinia also as in current scenario where spending infinia points on travel is almost useless. Only thing infinia is better is its 3x,5x and 10x partners but now that are declining as well.

      With me having both infinia and SC ultimate now, I think for me this is best combo. I would spend on Infinia in places where they have 3x, 5x and 10x partners (and pray they when the times comes to spend on travel they have not devalued points any further) and for rest of the spends I will use SC ultimate. Hopefully they keep the current redemption options as it is and add to it rater then reduce options.

      Reply
      1. KD

        I agree. I can’t quite comprehend why the others are dissatisfied.

        Reply
      2. Surya

        @Anshul, I totally agree with Parth, the redemption portal is simple and to the point, with options ranging pretty fair.

        Reply
    3. MT

      The new portal directly takes to ultimate tab , just see the GV /product value to the number of points required to determine the point value , i redeemed for big basket and nykaa vouchers , though the shortcoming as of now is the order email isnt in yet , lets see how kuch time it takes them to deliver the vouchers

      Reply
  342. Sharad

    When all others are on a devaluation slope, this new portal from SC is surprising and definitely attractive. Time to move general spends except 10x to ultimate now 🙂

    Reply
    1. Arun

      Planning to get SC ultimate for non 10x spends. Still hold SBI prime and Amazon pay. Will downgrade prime to BPCL and get SC ultimate.

      But won’t be able to use MMT offer. Customer care said there are no relaxation for SC ultimate MMT offer at this point of time. Holding for now.

      Reply
  343. Prashant Gupta

    Man so many options to choose from now for rewards. The products are on MRP. Thats good.
    Way to go SC. If the options remain will have to think of shifting spends to SC now which i diverted to infinia. No travel in future better to spend on non 10X category on SC now. Look like SC ultimate is here to stay. No devaluations please in future :-).

    Reply
  344. Amr

    I redeemed yesterday but didn’t receive anything yet.
    Even the points balance hasn’t changed.
    Customer care has no clue.

    Reply
    1. Amann

      Check your order history. And points summary.

      Further, I had a word with Customer care today and they said the redemption portal is under maintenance. Further, they said that points may get re-credited even though my order is showing as delivered on the portal.

      I’m not surprised as the portal is still showing showing all redemption options although a mass redemption would have happened since the new portal went live. Or is it still under maintenance and playing us for fools? Only time will tell.

      Reply
    2. Sharad

      Yes. Same status even after 48 hrs. No notification received, and points are intact as well with no reduction due to redemption made!!!

      Reply
  345. Rishabh Mangal

    I redeemed points today for MI Trimmer. Seems SC reward portal will tempt us to start spends on SC Ultimate rather than Infinia or DCB

    Reply
  346. Sivateja

    I personally find that the new reward portal and options to be very good. Not sure if people took time to see whats available rather than whats not available (read Amazon vouchers). I find Bigbasket, Bigbazaar and Croma for example to be good options.

    Reply
  347. Ramesh Raju

    To redeem 5 Big bazzar vouchers SC is forcing to order ONLY 1 voucher at a time and charging 99+ GST so I will have to spend 500 Rs to encash 5K worth points. Has anyone redeemed 2 or more bigbazaar vouchers (or any 1K voucher) in a single order paying 99 + Gst ?

    Reply
  348. Joel

    I redeemed the points for Big basket vouchers today. Got all the vouchers today in 1 hour. I think you should try to reorder the vouchers.

    Reply
  349. Amann

    Latest Update.

    Login to your account and see rewards order history. Click on resend under the order if it is showing delivered. I got my vouchers on email in 30 minutes with sms for every email.

    Reply
  350. ManzB

    Site has been better. Options are more. Would have been better with Amazon GC.
    Tried to redeem Big Basket GC (5X 2000). It says that insufficient points balance despite having more than 31K points. If anyone has successfully redeemed? Do let us know.

    Reply
    1. Amann

      @ManzB. You may be having primary and add-on (supplementary ) cards.

      Select primary card top of the page. Then add items to cart upto points in primary card. Redeem. Points will automatically get deducted from supplementary cards first.

      This way you can redeem all points in atleast 2 orders. 🙂

      Reply
  351. Sudheep

    Took the pre-approved ultimate offer which was lying in inbox for quite some time, virtual card got generated within hours.

    Trigger was DCB devaluation.. Non smartbuy purchases will be diverted to ultimate.

    Reply
    1. Nitin

      How do you plan to use the joining benefit? I believe most of us would have deferred their personal travel plans.

      Reply
      1. Sudheep

        true…

        but am hopeful of finding someone who will travel 🙂 , MMT offer doesnt require holder among passenger list.

        Reply
  352. MAA-traveler

    Item code : SCIN112_1_CC
    Big Bazaar E-Voucher INR 1000
    In Stock

    1,000 Pts
    -+

    TOTAL1,000 Pts
    **INR 99 + GST will be charged for this redemption

    So there is redemption fee now? Previously there was redemption fee.

    Reply
    1. Ramesh Kumar

      No charge for evoucher redemption as per my experience in past.

      Reply
    1. MT

      I had applied on day 1 itself, order failed and points returned, though some of them managed to get

      Reply
      1. DeathForce

        Same happened with me.. ordered in 1st day but failed… Sounded off the customer care for their total apathy towards rewards portal. Luckily saw the vouchers last week in the morning.. after trying for close to an hr.. redeemed 40k worth of Bigbasket vouchers. Waited for a week for the order to get confirmed.. was showing processing. Got 20 2k vouchers today in email. Its a miracle!

        Reply
    2. ManzB

      I have tried Big basket vouchers for few days. It failed at the cart page and then it disappeared. Other vouchers are useless in the current situation. Hopefully they will put more big basket or amazon pay vouchers soon.

      Reply
  353. Prashant Gupta

    Has anyone reedemed for croma vouchers. How many vouchers can i use in 1 bill? had a bad experiecnce with Shopperstop Rs.1K vouchers. had redeemed 15 of them but the condition on the voucher was that i can only use 2 vouchers per bill.

    Reply
    1. FrequentFlyer15

      Actualy with Shoppers Stop, instead of trying to use vouchers during the order, always add them to their wallet inside the app itself. Then you can use as many vouchers as you want and use them in the same order. I have just used 4 vouchers worth 2K (hdfc regalia redemption) successfully in the same order.

      Reply
    2. Amit Handa

      I redeemed 5 vouchers. It was very painful while trying to redeem because lots of error was there.

      Reply
    3. Rinkesh

      To my knowledge, you can use 3 e-vouchers in 1 bill for croma.

      Reply
    4. Sudheep Ravi

      up to 5 croma vouchers can be redeemed in a single bill . This is mentioned in Gyftr and i have personally used 5 in one bill..

      but not sure if croma voucher purchased via SCB site have a different cap.

      Reply
      1. Prashant Gupta

        Gyftr earlier restriction was 5 voucher in one bill and i had used 5 5k vouchers at once. Now that condition is not there in gyftr and also 10k voucher is there. But Scb is not transparent. Looks like i will have to buy voucher from gyftr, no point of risking with SCB.

        For SS i know. I was told by the cashier that i could have converted all 15 into 1 gift card. But till them i had almost used all.

        Reply
    5. Arun

      I just sent an email to them enquiring the same. Below is their response.

      Dear Sir / Mam ,

      Greetings from Croma!

      Thank you for writing to us, we regret for the inconvenience caused to you.

      With reference to your Email, on our Croma website up to 5 vouchers (16-digit card number & 6-digit pin number format vouchers) can be used and in Croma store multiple Vouchers (10-digit alphanumeric format/16-digit card number & 6-digit pin number format vouchers) can be redeemed .

      Reply
      1. Prashant Gupta

        So looks like the limit is not there for physical vouchers. I have to buy a printer worth 13.5 k, that means i can redeem 12 vouchers of Re1k each.

        Reply
  354. MT

    Looks like it depends on the store you are visiting , I didnt mention about gift cards till i reached the billing counter , jist refuse to buy from that store and say i will approach another store , they will happily redeem for want of business … i redeemed combination of physical gift cards(before the pandemic) amd gyftr evouchers , 15in total for iphone 11

    Reply
    1. Amann

      That’s right MT.

      I too have redeemed upto 18 e-Vouchers from SCB at the store. They had no issues at all. Just took a long time to transfer data from my old phone to new phone. I was giving them the old phone in exchange for new phone + paid balance with e-Vouchers that I got from SCB.

      Reply
    2. Anshul

      Can Croma gift cards redeemed through SC website be used on Croma online website or can only be redeemed at physical stores? Also are these numeric or alphanumeric vouchers?

      Reply
      1. naresh kumar

        These are numeric with pin from SCB 360 redemption, can be used both online and offline. Online only 5 at max.

        But the Croma vouchers from GYFTR website and HDFC bank smartbuy gyftr portal are very problematic as they are alphanumeric and can be used only at stores not online.

        Reply
        1. Rakesh

          It may be due to 2 different gift card entities : Quicksilver and Gyftr.

          Quicksilver ones are : gv + pin
          Gyftr ones are only alphanumeric codes.

          Even the store guys ask you which ones are these and based on the type they use different portals to redeem.

          Reply
      2. Amann

        I redeemed at store. Can’t tell you about online.

        E-Vouchers are Numeric 16 digit + pin 6 digit.

        Reply
  355. MAA-traveller

    I’m trying to redeem Big Bazaar vouchers since the relaunch but first it said out of stock though listed in catalog. Then not even listed. Now though listed in catalog and in stock, I get error: “Due to technical issue we are unable to proceed with the redemption. Please try after some time.”

    Anyone able to redeem vouchers now?

    Reply
  356. ManzB

    Got tired waiting for something useful. The big basket vouchers are gone for good.
    So finally I went for the Samsung TAB 10.1 with 22K points. I need a tab for the kids. For 2 Kids I have only 1 iPad and the other had to use my laptop or Mobile. As it seems that the school lockdown is going to continue all the way to Diwali or so, I thought it is better to for another tablet as otherwise my laptop is occupied till 1pm. Hope they delivers soon.

    Reply
  357. Amann

    You could buy the same from a croma around you for 20k using e-Vouchers from SCB points unless Croma e-Vouchers are also gone for good. Though I think they keep replenishing Croma and Bigbazaar quite frequently.

    Reply
    1. ManzB

      I know. That is only 1200 points difference. Also you have to look for a Croma store which has it in stock. Many have mentioned having issue in redeeming multiple vouchers at Croma. I saved all those trouble with this additional points of 1200 or so. Hope they delivers soon.

      Reply
  358. Purna

    It is almost 1 week .I have not received the joyalukkas E vouchers till now .I have raised complaint with customer care but nothing happens till now

    Reply
    1. Amann

      Go to orders section on rewards website after logging in. Check status of order. If its successful then click resend option. You should get the voucher in 30 minutes on email. Also check you spam email / registered email I’d displayed in the order.

      Reply
      1. Purna

        Ya I have verified .Still i have not received and also order status is showing as “Work In Progress”

        Reply
        1. Amann

          Then you can only wait for the voucher or raise complaints. Most likely, they’ll cancel and Refund points back to you.

          Reply
  359. SIDDHANT KHURANA

    Can I get this SC Ultimate Credit Card, with annual income of 12.5lakhs, having HDFC Diners Privilege with 3lakhs limit and recently discontinuing SBI Elite.

    Reply
    1. Ramesh Kumar

      You need to have 5L limit for applying card on card basis or need 24LPA as income.

      Reply
      1. MrNightStar

        Does StanC allow cards against FD?
        HDFC issues DCB and that is not advertised.

        Reply
  360. Arth

    Any chance of Amazon Vouchers making a return or are they gone for good?

    Reply
    1. ManzB

      Gone for long. Not many useful vouchers available now. Even the likes of Big basket are gone. Shopper Stop, westside, MMT etc are only available.

      Reply
  361. Tyke

    While I am able to redeem other Vouchers, I always get a FAILED status when I try to redeem for Croma Vouchers. Is anyone else facing this issue?

    Reply
    1. MAA-traveler

      I would urge you to keep trying. Even I kept getting errors while redeeming for Big Bazaar vouchers but finally able to redeem after multiple attempts only.

      SCB should improve even further by having seamless redemption experience.

      Reply
    2. Prashant Gupta

      My bad luck when i wanted croma vouchers they were unavailable. Purchase by buying vouchers from gyftr smartbuy.

      Reply
  362. Sharad

    Does anyone has information on expiry of reward points on ultimate card? Do they expire like Diners Black after 4 years of earning?

    Reply
  363. preeti gupta

    Hello,
    Please let me know how to get credit limit increased in SCB? From last 3 years i am having 3.47 lakhs limit.

    Reply
  364. Ankush

    Hello All
    Just wanted to apprise you all that SCB or ultimate card is not transparent with Forgein currency charges. I paid the some university fees twic and I can confirm the following
    Lets say today EUR – INR rate is 82.5 ( as per XE.com or as per mcx etc. etc.). I made a transaction of euro 1000 today. The rate which was shown while making the transaction was 82.5 + 3.5% = 85.38 (3.5 % FCY is ok) and I confirmed the transaction. The SMS received to me was INR 85380 for OTP. I provided the OTP and transation was successful. Now the story start
    The above transaction was shown as unbilled transaction for 85380. The next date the Unbilled amount was changed to INR 88368 (Another 3.5%) . This happened to me twice and I have the statement to prove that. I wrote to head service / Nodal officer and the reply was clear both that rate charged is as per the rate charged by Master card.You can imagine I paid 7% total over and above the present price. Now what they do they provide 1.5% rebate on the second FC charges. The rebate 1.5% cash back is 1325. So effectively I ended paying 4.5% over and above the exiting EUR INR charges.
    Lets be careful….

    Reply
    1. Prashant Gupta

      I have done many forex transactions but as far as i can remember the only the upfront rate was more may be because of charges but i was billed that only and i received the cashback also correctly.

      Reply
    2. Vic

      Afaik Banks never give the xe rate, each bank has their own forex rate, the same that you can get in forex cards, or currency notes, etc. So the rate is usually 3% more and can be usually checked online on for each bank. I don’t know if Master card has its rate. Also The transaction is usually finalized when it is settled by the merchant and the rate on that day, plus 3.5%. That’s been my experience with many banks be that icici, citi, hsbc,etc.
      There maybe other reasons or different reasons for scb.

      Reply
  365. MAA-traveler

    Folks,

    Any idea as to how many evouchers can be used to settle one cart/bill for Shopper Stop (online)?

    Also all the “good” vouchers are out of stock most of the time like Big Basket, Big Bazaar, Croma, Shoppers Stop, etc. And not to mention there is no really good options like Amazon, Flipkart, Tanishq and Taj vouchers. My usage of SCB Ultimate would increase substantially if we can redeem points the way I like and when I like.

    Reply
    1. MAA-traveler

      I had redeemed 3 e-vouchers at Shoppers Stop online site without any issues. We can also do a partial redemption of the voucher.

      Reply
      1. MAA-traveler

        Yeah. The maximum I’ve redeemed is 4 vouchers per order and one of it was a partially redeemed one.

        Reply
  366. Ashish

    Hi Shivi,

    I tried to get the Viisa Infinite variant citing the reasons shared by you
    “I got it changed to Visa Infinite variant last week. Insist on Visa; you can say MasterCard doesn’t work on some sites or at some of your favourite places in the States, Japan, Malaysia, Thailand to name a few 😉 (research on Google about the non-acceptance on MC worldwide)”

    However, the customer care helpline is saying the bank has stopped issuing VISA variants. Are you sure that you got the VISA variant in the first week of March 2019, if yes let me know how you approached the Standard Chartered to get the VISA variant of the Ultimate card
    1. Customer care helpline
    2. Raising request through email
    3. Any other channel.

    The RM managing our salary account is also not in position to help me on this.

    Reply
    1. Shivi

      @ Ashish – That post of mine was from March, 2019! I can’t say how things have turned out now as you are relating it to August, 2020!

      Reply
      1. Rajeev

        Hi Shivi,

        You replied too late I have asked the same question in June 2019. I tried everything that you mention to get Visa variant but the bank denied to replace the existing MasterCard variant with Visa variant.

        However, some how I managed to get the Visa variant in June 2022 🙂

        Reply
  367. Pranab

    Hi all,
    I’m holding Infinia for the last 1 year and currently eyeing this card. But there’re too many constraints.
    1. My ITR is below 24L but I think having Infinia can override that.
    2. My city (Jamshedpur) don’t have any SC branch.
    Is there any way I can get the card?
    Thanks

    Reply
  368. Parth Patel

    Hi,
    Does anyone know if we are able to use croma vouchers issued from rewards online? and also can we use multiple croma vouchers online or in-stores?

    Croma Vouchers keeps on coming and going frequently, they seem to be in demand. I just saw a Rs. 5000 and Rs. 10000 vouchers couple of days back and while I was just trying to find out of it could be used online or multiple at a time, it vanished!

    Thanks.

    Reply
    1. Kevin

      Can be used in store only, not online . Unlimited number of vouchers against a single bill.

      Reply
    2. Parth Patel

      Just and update, I brought Rs. 10000 voucher of Croma from SC redemptions and though in T&C’s it did not specify weather it could be used online or not, I was surprised to see it worked online!

      I also thing multiple vouchers would work online as well as once I entered my voucher code, I add option to add another as well. Though could not check as I only have 1 voucher code.

      Hope it helps others>

      Thanks.

      Reply
  369. Dinesh patel

    Hi Sid,
    Is there any capping introduced on the monthly reward point that you car earn on SC ultimate credit card?

    Reply
  370. Royson Saldanha

    Has anyone tried purchasing MMT gift cards and received 10000 Cashback as welcome benefit?

    Reply
  371. MAA-traveller

    Received an offer: 2% extra on top of 3.3% which is good.

    “A new phone on your wishlist? Or an Ultra HD TV to gear up for cricket season? Simply use your Standard Chartered Ultimate credit card to shop for electronics, home appliances, or for any other spends. With 1 reward point equalling INR 1, you can earn additional reward points worth INR 1,000 in just 3 days.”

    Offer details
    • Get additional 1,000 reward points
    • Min spends: INR 50,000
    • Valid from 29 – 31 Aug 2020

    Reply
  372. Rishabh Mangal

    Received Spend based offer on this card (Rare to see for Ultimate Card from Stanc) : Spend 50000 and get 1000 rewards, so 2% benefit additional to 3.3% reward. So overall 5.3% percent benefit good to see inspite of Covid situation. Spend duration 29th till 31st Aug.

    Reply
  373. Srikkanth

    Are they still issuing this card on c2c basis? Anyone who took this card during corona times , pls shed some light

    Reply
  374. Cred

    Is there anyone recently got Ultimate Card with Internal existing card limit of Rs 3 Lacs or nearby amount?
    My current limit is Rs 3 Lac and bank is declining to offer this card.

    Reply
    1. Ramesh Kumar

      SCB is very strick with this policy. If you have more than 5L on other bank cards, you can close SCB existing card and reapply using C2C basis.

      Reply
      1. Cred

        Thanks Ramesh,

        My Other Non SCB card limits are over 10 Lacs on multiple credit cards. They are still unwilling to issue Ultimate Card.

        Reply
        1. Ramesh Kumar

          When you have relation with SCB, they’ll check SCB card limit only.

          Reply
        2. Mahadev

          @Cred, if you can reach to the branch nearby, you would certainly get a way. I had a very nice experience of the same. Although directly my current City is off limits for Credit Card team of theirs, but banking facilities are extended. They took a route to offer card by first opening a bank account and then punched application for credit card.
          Hope it helps.

          Reply
      2. AB

        How long i should wait to apply again after i close my existing card.

        Reply
        1. Ramesh Kumar

          Between 3-6 months usually, please check with SCB customer care once.

          Reply
  375. jitendra saraogi

    I have tried 4 times to redeem my points for purchase of items or evouchers on 360 rewards site but it is failing each time.further no proper response is coming so if anybody else facing such issues.
    Please help.

    Reply
    1. PM

      I’m facing the same issue. Even though I have enough points, the rewards portal shows “insufficient point” at the final step and I’m not able to proceed 🙁

      Reply
    2. VARUN ARYA

      same problem is persistent with me, along with this, the problem of swipping the card on non-ecommerce transactions are also taking a hit.

      i would suggest, look to swipe an alternate card, to not getting a declines transaction.

      Reply
    3. Cav

      Do you have multiple cards?
      Do you have supplementary/add-on cards?
      The balance points although are shown as a total, the redemption is card based. So you need to see which card you are redeeming, and what is the available points for that card.

      Reply
  376. Sukesh

    Regarding the problem redeeming the points you may need to select primary card in the top menu bar incase if you have secondary card issued. By default it selects secondary card for some reason

    Reply
  377. MANOHARA M R

    I got Standard charted ultimate card 1 year back with only a credit limit of 26,800rs. That’s way too less.
    So to get away of this problem, I used to deposit extra money say 1 lac and spend the same after 2 days to get the benefit of 3,333 points(3.33%) every time. But now they are restricting me to use card only up to my credit limit not above this limit.

    Facing issue in using this card nowadays. Any suggestions?

    Reply
  378. amitabh maheshwari

    I had SCB Ultimate for last 8-9 months. I did not like this card. Reward rate is great but just to show. The redemption options are severely limited. You may not get the voucher or item you want to purchase. You cannot book air tickets or hotels seamlessly with reward points like smart buy in HDFC. There is no accelerated reward point system as they have in HDFC or AMEX. This card will never become popular like HDFC,AMEX or even ICICI Bank cards. ICICI has that amazon pay card which is great if you make frequent purchases on amazon. For HDFC and AMEX I need not say anything. I have surrendered my SCB Card and I would recommend the same to everyone here too, if you want peace of mind. SCB Reward Points are nothing but a burden. You will just end of shelling out Rs 5900 each year and get useless 5000 reward points in return.

    Reply
    1. PM

      Fully agree. The pathetic redemption options are forcing me to return the card.

      Reply
  379. MAA-traveler

    Celebrate with 5x reward points on online spends with your StanChart credit card. No minimum spends required. Max reward points 2,000. Offer valid from 16-22 Oct 2020. For details, visit bit.ly/3dulyA4

    Great offer but with multiple conditions: online only, max 2K points, no utility/wallet/insurance payments, for one week only, etc. Still good enough for me as no minimum spends required.

    Reply
      1. MAA-traveler

        I think we can buy gift vouchers from woohoo/giftr etc and get points. Anyway we get 5X points for spends till rs 12k only so not that difficult.

        Reply
        1. Harshit Jaiswal

          Purchasing gift card via mobikwik will be charged as wallet transaction? Anybody having idea about this?

          Reply
  380. Sreetharan

    Has anyone tried for fee waiver given the current situation?? My annual fee was charged last week and I wasn’t even aware. Hoping I can try for some reduction or waiver of fees. I’d have spent a good 3 lacs at least on the card..

    Reply
  381. KSB

    So spoke to my RM as I wanted to apply for card on card offer ,
    He got back to me saying that this has been discontinued for the time being,
    And the usual eligibility criteria of ITR of 36 lakhs or banking relationship of over 30 lakhs is eligible at the moment

    Previously the min limit required for card on card was 4 lakhs credit limit

    Reply
  382. MAA-traveler

    SCB is back with 5X reward points! No minimum spends required. Max reward points 2,000. Offer valid from 30 Oct – 4 Nov 2020. Perfectly coincides with rent payment. 😀

    Recently got the following offers:
    – 5X points in Mid October
    – 5X points till 4th Nov
    – 1000 reward points on top normal reward for Rs 50k spends in August end

    I think SCB won’t have any specific Diwali offers this year other than this extra 4000 reward points by means of 5X points.

    Reply
    1. Mouli

      MAA-traveler

      Utility bill payments also excluded, doesn’t rent come under the utility payment ?

      Reply
      1. MAA-traveler

        @Mouli,
        Rent is via CRED so it gets charged as “Dreamplug TechnologiMUMBAI” or “Dreamplug TechnologiBANGALORE.” Even otherwise for getting 2000 points we need to spend Rs 15000 which is not a lot.

        Reply
  383. nomulasaireddy

    i have hdfc regalia 3.63 lcs limit can i apply for scb ultimate card

    Reply
    1. Ramesh Kumar

      You need minimum credit limit of Rs.5L and unused limit of Rs.4L as per credit card last statement to eligible for apply ultimate card on card basis.

      Reply
  384. Shubham

    A clarification please… The renewal benefit of 5000 points are given just for first renewal or lifetime?

    And I have read somewhere that you can earn maximum 4000 points per month, is that true?

    Thanksbin advance.

    Reply
    1. Ramesh Kumar

      Renewal benefit will be given every year, but some times they won’t credit on time need to raise complaint.

      There is no capping per month, I’m getting more than 4K reward points per month.

      Reply
  385. Rishabh Mangal

    Makemytrip joining benefit discontinued from Dec 6 onwards. 6000 reward points as joining benefit for new cards post Dec 6. Lucky to availed MMT 10k offer whoever applied and use the offer before Dec 6.
    Some changes on Golf offer as well.

    Reply
  386. Mahadev

    Email received from StanChart 4Dec2020: We would like to take this opportunity to inform you that we are revising the Golf benefits on your Ultimate credit card effective 5 January 2021. Please see our revised terms and conditions associated with the Ultimate credit card here. Please note that the Dine Out Plus membership benefits associated with your Ultimate credit card will be discontinued with effect from 5 January 2021.

    Reply
  387. Pramtesh

    Since 5 yrs I have SC platinum 232k lmt (LTF)
    I also have DCB 492K (LTF). Is it possible to get upgraded to this card, if DCB stmnts submitted.

    Reply
  388. Ramesh Kumar

    If you’re existing SCB customer then you must have more than Rs.4L limit on your existing SCB credit card or ITR of more than Rs. 24 lakhs.

    Else you need to close your existing SCB card and apply using other bank card if it’s credit limit is more than Rs.5L with unused credit limit of more than Rs.4L.

    Reply
    1. Rishabh Mangal

      Apply online through the website. Dont choose ‘Existing Customer’ option, select ‘New Customer’ option, enter salary as 2lpa (minimum system considers) & provide DCB limit details.

      You will receive the call from them, tell them you want to apply card on card basis and it is optional to tell them about your existing card. They will not ask for Salary proof document.

      Bank will issue you Ultimate Card with shared limit same as of existing card.

      I went through above and got the Ultimate card in 3 days only.
      I hold Manhattan & SC Titanium cards already with limit lesser than 5lpa.

      Reply
      1. Dev

        Can you please check how many standard chartered credit card account is showing in your CIBIL report. Is it showing one or more than one ?

        Reply
      2. atlac

        This helps. Thank you for suggestion. I have checked from existing card but not approved as my card limit is 11,000 less of 4 Lakhs limit. Applied as a fresh card application after seeing this comment. After 3 days, got a call from SC for document collection through online and video call. The only documents through online they have asked ( PAN card number and other credit card statement which showing credit limit of more than 6 Lakhs), no physical document collection. that’s it, its completed. but card got delivered after 25 days. Now I have Ultimate card along with Dinners Black and others .

        Reply
        1. Chandra

          Did you get the limit enhanced on your new SCB ULTIMATE CARD sir??
          Thanks

          Reply
      3. Anshuman Srivastava

        Mine case is different I am considering this card but my serviceable city is not in the drop down on the application page. Can this card be applied and delivered from non-serviceable city? I recently moved back to my native Lucknow.

        Reply
    1. Ramesh Kumar

      I have closed one CC recently and don’t see any impact in CIBIL score, but not sure when closing two cards at a time.

      Reply
      1. Shivi

        I closed 4 in a month. No impact whatsoever. 2 of them had high CL

        Reply
  389. Aff

    IF I have option to get Visa variant of the card. SHould I go for it instead of mastercard. I heard from Customer care that visa gives only 1 complimentary lounge access per quarter while mastercard gives 4

    Reply
  390. Shakti

    Hello All,
    I got email with all login details and I checked the new card details. But, I haven’t got any physical card yet.
    Are they not issuing new physical card due to covid-19 ?
    Also, in the rewards section I saw they are providing 1000/- vouchers in exchange of 4000 points which makes it 25 paise per point. How are they claiming 1 point = 1 rupee?

    Can the readers help me with these 2 queries.

    Thanks,
    Shakti.

    Reply
  391. Amann

    When you are logged in and select Ultimate card (if you have more than 1 card or have savings account), you’ll see 1 : 1 ratio.

    Check with Customer Care for card dispatch details.

    Reply
    1. Shakti

      Hi Amann,
      I got my new card today. And wow it looks upmarket with all Black finish. And, I see the 1:1 ratio. Thank You !

      Another query:
      Do we get 3.3% CB during fuel txns, Paytm Wallet uploads and Insurance premium payment ?
      I could not find it anywhere in T&C.

      Kindly help pls.
      Thanks.

      Reply
      1. Ramesh Kumar

        Yes, you’ll get reward points. But for fuel alone 1% surcharge do be there.

        Reply
      2. MT

        Not on fuel tx , but yes on paytm(or any other wallet) , insurance spends

        Reply
        1. Murali

          SC Ultimate card gives rewards points on fuel transactions also (1% extra charged for transaction but 3.3% reward points given) . You can view in Rewards =>Transactions page.

          In my view, SC Ultimate is the only card with no exceptions in giving 3.3% rewards to fuel transactions, wallet loading, insurance, etc.

          Reply
      3. Amann

        For fuel you can use mobikwik.

        You’ll get points and 0.75% cashback to wallet.

        Reply
  392. Srik

    I had the SC Ultimate for a year and to me, it is a no-nonsense card.

    1. Reward points are visible within days of the transaction ( no need to wait for the billing to happen)
    2. The reward point is actually 1 point/Rs. 30 although they advertise it as 5 points/Rs.150. So, if I spend Rs. 60, I get 2 RPs
    3. There are hardly any additional offers for accelerated rewards – maybe, one or two in a year.
    4. Among whatever additional offers they have, the cashback is settled quickly (unlike HDFC which takes months)

    Due to all this, the card is extremely predictable and no-nonsense.
    The drawback is redemption of the reward points – the catalog keeps changing (esp. vouchers) and you may not get what you want, when you want.

    Reply
  393. Gunasekaran

    Just to inform the fellow members, Annual Fees of Rs 5000 for MY SCB got waived off for this year..
    Any one enjoying LTF SCB, can you suggest how to go about this.
    secondly, do we get reward points worth 3.5% for paying high premium insurances like 5 lakhs ,
    recharge of wallets like mobikwik and paying for fuel

    Reply
    1. Pramtesh

      Annual fees waived. How ? Was it spend based waiver?

      Even Hdfc is waiving annual fees for this year for most of card holder as a service gesture due to Covid Pandemic.
      My friend has got email from HDFC fir the same.

      Reply
    2. Srik

      Wow. How did you manage that ? I had the SCB Ultimate for a year, but when I got the Diners Club Black, I decided to close the card for its high fee and poor redemption options. I would have kept the card if they had offered to reduce or waive off the annual fee

      Reply
    3. Sharathkumar Anbu

      Did you mean you got fees waived for SCB Ultimate? How did you get that done? Even after 10L+ spends and emailing to PNO also, they say fees can’t be waived.

      Reply
  394. Bharat

    Found this on Jan 31 on SC website. Please share if any recent capping of max cashback in a month/statement

    Joining Benefit: 6000 reward points on payment of joining fees. Reward points will be credited within 60 days of payment of joining Fees
    Renewal Fees (Second Year onwards) – Rs 5,000.
    Renewal Benefits-5000 reward points on payment of renewal fees. Renewal reward points will be credited within 60 days of payment of renewal fees

    Reply
  395. roshan

    Offer details
    Earn 5X reward points on your insurance spends
    Maximum reward points: 2,000
    Valid from 22 Jan – 31 March 2021

    sc.com/in/terms-and-conditions/insfivexjanoffer/

    Reply
  396. ARR

    Hi all,
    I wanted to apply for this card based on my HDFC credit card (9.7l). I applied for this card on 22/02/21 through the executive. I sent all the documents through online. The card was approved on the same day and the video KYC was done on 23/02/21. The executive by mistake applied for Platinum Rewards instead of Ultimate. I requested him to cancel this card and apply again for Ultimate card. But, the executive told me that the card mayn’t be approved and asked me to use this card for a while. He also told me that I could apply for ultimate later.
    The card was delivered on 26/02/21 with a decent credit limit of 6,00,000/-.
    I think I can apply for this card with this credit limit. Can somebody throw a light on this card? Is it still a valid card?
    I can see 6,000 points and Rs.10,000/- cashback in MMT for a joining fee of Rs.5,000/- and 5,000 points would be given for a renewal fee of Rs.5,000/-. Dine out offer is discontinued.
    Can I go for this card?

    Reply
    1. Kushal

      The MMT 10k cashback is discontinued as on 6th dec 20. Instead they are now offering 6k reward points as a joining bonus

      Reply
    2. Vineet

      This is not a mistake. They deliberately land you with Platinum rewards card. The same thing happened with me. And three executives lied through their teeth promising it was for the Ultimate card. I had written a mail and spoken to the CC exect who still did everything in their power to land me with the Platinum card. Just before the last step before the video kyc I called out their bluff and insisted that they either issue me th Ultimate card or could shove the Platinum where there is no sunlight seen
      Finally a new application reference was issued and I gave them the credit card statement for my diners black
      Let’s see where the story ends

      Reply
    3. Sujeeth

      SCB ultimate is usually good for rewards (3.3% on all spends including wallet load, fuel, NPS, etc..), but limited redemption options like Croma, Shoppers stop, lifestyle, etc.. you get 6000 Reward points while joining, which takes care of joining fee(5K) & you get 5000 rewards for renewal (5K), so GST of 900 is the net fee for renewal. I got dineout offer since I joined in December. There are some additional benefits like complimentary Golf, there is an running offer until 31sr Mar at Jiomart for SCB cards as 10% cashback, I recently transacted for 5000 & got 1000 as cashback (usual 3.3% rewards applicable too), this cashback itself covered my next year renewals GST.

      If you do not have HDFC Infinia or DCB, it’s a good card to have.

      Reply
  397. ARR

    Hi all,
    Khushal is right. MMT offer was discontinued from 06/12/2020. Instead of that they are giving 6000 points as a joining offer. Dineout is also discontinued.
    What’s your take on this card?

    Reply
    1. ManzB

      Despite those devaluations, still it is best rewarding card at 3.3% on all spends (u need not to go thru comlicated TnC to find what is eligible and ehat is not). Plus all card members (incl add on) gets free unlimited lounge access. Reward catalogue is not great, but you can look for MMT/ Croma/ SS/ Lifestyle etc for redemption. Right now they are offering 5X on insurance spend which is huge at 16.5%.

      Reply
      1. SRi

        Correction – Lounge access is not unlimited. Domestic lounge is 4 free per quarter and international is 1 per month provided you spend Rs.20k in the previous month

        Reply
        1. MAA-traveler

          The Domestic lounge access is unlimited provided it is MasterCard variant. So many times we have used over 4/quarter and also after conformation slip confirms remaining visits as “NA.” International is 1 per month provided you spend Rs.20k in the previous month through priority pass.

          Reply
          1. ManzB

            Nowadays they give only the master card variant where the lounge access is unlimited for both Primary+ Add On. International lounge is free thru priority pass but with 20K spent in the previous month (not sure whether calendar or billing month).

            Insurance (5X) offer was upto end Feb. So it is over now. Not sure whether it is general offer or targeted.

        2. Sharathkumar Anbu

          Whenever I swipe my Ultimate Master card in the lounge, it says access left is N/A which implies the lounge access is unlimited in domestic lounges.

          Reply
          1. Lakshmi Narayana

            But if you install Dreamfolks app and add your SCB card it shows `Domestic lounge 4 free per quarter and international 1 per month`.
            I always use DCB as my first card so never get a chance to exhaust this limit but u can use the lounge access for your partner if are using dreakfolks app the only pre-condition is that both of you must travel with the same PNR.

      2. Arun

        Hi, where is the 5x on insurance mentioned? Can you share the source?
        I’m using card since Jan 2021. Did not receive any communication.

        Reply
      3. Sujeeth

        5X insurance upto 2000 reward points only, you will get that reward points when spend 12000 on insurance. It would have been grate if there was no upper cap on the 5X rewards

        Reply
  398. Vineet

    A request for information. I applied for SC Ultimate Card with the video kyc being done on 26/2/21. Today morning I got an sms and email stating that my sms banking has been successfully been activated. Does this mean that the application has been successful. Since the card application status is still stuck at the same point on the website as it was the day I submitted the application.
    No mention of any card being dispatched or application being successful has been stated as such. Only that SMS banking has been activated

    Reply
    1. Santosh Kumar

      Yes! in SC applicaton form enter 24 LPA salary but in the next steps as proof of income there is an option for showing CC statement for income proof.

      Reply
    2. Sujeeth

      Yes you can get this card C2C, I got mine against Regalia, On SCB credit limit was little above my Regalia

      Reply
  399. Vineet

    How long is the validity of the points on SCB ULTIMATE? When do they expire? Siddharth could you please compile an article which gives us information on popular cards regarding the validity and expiry of points and exceptions to transactions which will not earn points. It will be extremely helpful

    Reply
    1. Sri

      The rewards points are valid for 2 years from the date of accumulation

      Reply
    2. Raghu

      So did you get the SC Ultimate card? Pls continue your narration – when did you get the card, so on.

      Reply
      1. Vineet

        I had applied for the card on 2nd Feb via paisabazaar. It took 3 emails and lots of calls before finally the card was approved. However it was not so straightforward. They first were slyly giving me another card.( Platinum). And they lied about it twice saying they are giving Ultimate. When I finally called their bluff, they asked for a card with limit above 5 Lakhs, which I gladly provided. This was on 27th feb. The card was finally delivered on 1st and it was the Ultimate.
        However even setting it up was a pain. I am using 8 different cards( Elite, Plat travel, Vistara Prime, Amazon pay, Magnus, YFP, Hsbc play etc) but I have never seen an app as bad in its stability as SC. The app keeps on crashing every time you go the rewards section esp the voucher section. Have already reinstalled it thrice.
        And for the cherry on the cake, the 3 mails on sent between 14 to 24th feb have been replied to now!!

        Reply
  400. Xander

    Their credit card application website has been down for over a week now.

    Reply
  401. Purna

    I have been charged with redemption fee Rs.99 for the first time. And also they have charged for old redemptions as well.

    Reply
    1. Bharath Sridhar

      Yes, this is ridiculous. They have charged me Rs. 99 for redemption as well.

      Reply
  402. Mihir

    Hi Sid,
    My Dad used to have a Standard Chartered CC iisued to him as LTF, however SC started to charge him a annual fee suddenly and he had asked SC to cancel the card which they had agreed to. However upon checking his credit report we found that the status of the card is still showing as active, what steps should we take in this case as we have not been receiving any messages or mails from SC and also do not have any details of the old card.

    Reply
    1. SS

      There is a option to raise dispute in credit report. Like status, closing day. It will help.

      Reply
  403. Bharath Sridhar

    I got a message that the limit on my SC Ultimate card can be increased from 500000 lacs to 650000. I replied confirming my interest. Not sure if there is a manual review involved in the process. My spends were very minimal and I am not sure how SC decided to offer me a credit limit increase.

    Reply
  404. S

    I noticed that points redemption options are not very good, no flipkart/amazon vouchers on 360 portal! Any other options?

    Reply
    1. Ramesh Kumar

      As per my knowledge Flipkart & amazon are not available since July 2019, so next better option is Croma voucher.

      Reply
    2. Sri

      Keep checking every now and then, you’ll find vouchers for clearrrip6, MakeMyTrip and yatra

      Reply
  405. Vineet

    I have paid the joining fees and one more bill subsequently. However till now 5000 Points on joining has not been credited to my account
    When is this credited to the account? Do we need to call the customer care for this

    Reply
    1. Amann

      3 months after annual fees is charged on your credit card statement.

      Customer Care will say 2 months after you do the payment / payment due date.

      Reply
      1. Vineet

        Thank you Amann. I was wondering if this was something that inwould again need to follow up

        Reply
  406. PointsRedeemer

    New Voucher redemption options added to the 36o rewards portals such as Hyatt, Marriott, ITC Hotels, Bath & Body Works etc.

    Reply
      1. Shivi

        It’s temporary because of regional lock-downs. It’s given on page.

        Reply
        1. Santosh Kumar

          Yes, I did read that eventually. I realized i overlooked the notice! thanks!!

          Reply
        2. Subhadip K

          Post payment of renewal fees, the rewards points are not added to your balance by default. You need to call up the customer care after couple of months and raise a ticket to add 5000 points. Anybody who won’t go through this process may end up loosing 5000 points. This makes thing tricky for the customers.

          Reply
      2. PointsRedeemer

        That’s mainly due to logistical challenges due to the pandemic. Get Croma vouchers and buy whatever electronics you want and you will likely get a discount on MRP as well.

        Reply
  407. Arun Kumar S

    Raised complaints for the 1200 Amazon voucher joining benefits (temporary) and the 6000 reward points. After multiple follow-ups, received 1200 statement credit instead of voucher.

    60 days passed after paying joining fee. CC asked to wait for 90 days.

    Reply
    1. Santosh Kumar

      Got Amazon voucher but only after writing to head customer care. Relatively fast turnaround. Still awaiting news on the 6k joining bonus.

      Reply
    2. Nishant

      I got 6K points on the last day of the month on completing 60 days. for 1200/- amazon vouchers, no reply yet from CC. Will write a mail again to CC.

      Reply
      1. Arun Kumar S

        Raising complaint in twitter/email/sc.com app – These did not help

        Called their customer care number mentioned on the back of the card.

        Received 1200 Statement credit in 5 days instead of amazon voucher.

        Reply
  408. Ankit

    Planning to shift from Citi Premier miles to SC ultimate. I have an existing SC account for 10+ years and 15L+ limit on both Diners Black and Premiermiles. So SC will give this Ultimate card to me in the blink of an eye.

    Analysis for premier miles:
    1. 3000 + GST joining fee – 3000 points = ~880 Rs. Amazon voucher (500 Rs per 1700 points)
    2. On normal spends I get 4 miles / 100 rs = 1.18% Amazon voucher equivalent (4 miles = 4 * 500/1700 = 1.18 Rs per 100 Rs spend)

    SC ultimate I understand gives 3.3% rewards on basic spends with 1:1 redemption on vouchers. However, worried if redemption options are good on SC 360 portal? Heard Amazon and Bigbasket vouchers are not there anymore. Any idea what are the vouchers available typically now-a-days?

    Reply
    1. Santosh Kumar

      You can actually see the vouchers available irrespective of not having an SC card. Search SC 360 rewards in google. You can maybe take a call accordingly.

      Reply
  409. Sunil

    I was trying to make purchase since morning and all the transactions are getting declined even after entering valid PIN at merchant location, anyone else facing this kind of problem.

    Reply
  410. Sumit Joshi

    Dear Siddharth,
    I read your blog in detail and decided to add the following cards to my cc portfolio:
    – Standard Chartered Ultimate (applied and received two days back)
    – BoB eterna (in process)

    I also continue holding the following cards :
    – SBI AI Signature ( for the accelerated points and SBI offers since it is LTF)
    – HSBC platinum ( LTF)
    – Yes Bank Preferred ( LTF)
    – Citibank Rewards

    I am quite surprised by the sudden spurt of offers from Citi and HSBC that have started filling my mailbox everyday, of late.

    Thanks again for this wonderful blog.

    Reply
  411. PM

    End of my two year saga with SC Ultimate (?):

    After using this card for two years, I finally decided to close it. Reasons being the ever diminishing option to redeem, and the redemption charge of Rs 99+GST was the last straw on my back. Could not take it anymore.

    Moreover, getting to talk to any customer service executive on phone was a big waste of time. They forced you to type your 10 digit cellphone number, 16 digit credit card number, and what not. After going through all that pain, my card was closed.

    They were not even ready to respond in writing that the card was closed until I escalated to grievance redressal. That too after writing to them multiple times and specifically asking to close the primary as well as add-on card.

    During these three months since I’ve got the email response of closure, I received one bill (zero amount), which again I had to escalate with grievance redressal.

    Now the problem is, I receive one SMS daily, the type typically sent to customers, e.g.

    “Be careful of fraudulent callers requesting payment…..”

    “Dear Client, To change your Credit or Debit card PIN – Login to online banking…..”

    “Dear Client, To update your mailing address, PAN, email id – Login to SC Mobile app …..”

    “Watch out for fraudulent callers trying to lure you with fake reward points…..”

    “Need help in understanding your credit card statement? Here is a quick guide …..”

    I have been asking them to stop these messages, by writing email. The email chain has grown to double digit, but still neither grievance redressal (Head Customer Service), nor the nodal officers are able to (or willing to) understand that these are NOT promotional messages.

    Telephonic customer care access has been reduced to negligible, only for blocking cards.

    Unfortunately on iPhone, there is no proper way to block a sender 🙁

    Has anyone been able to resolve this?

    Reply
    1. xorr

      I have been holding Ultimate since 2 years now. I am happy to keep it as an alternative to Diners Black due to better acceptability. Moreover Diners Touch-to-pay does not work many a times.
      I am happy with the Ultimate card. Reasons
      * I signed up to voice ID of stan chart. I call the CC number from registered number and it just asks me to say a line in my voice and I’m authenticated. No more entering phone number, card number etc. Set it up for yourself.
      * Ultimate ensures that you skip the queue for Customer card executive access. Mostly its quick.
      * I have got my Annual Fee reverted two times. Even though they pushed that equivalent reward points are given, I always gave the excuse of bad redemption options. Both times the Annual Fee was reverted. Give it a try.

      Reply
      1. Praveen Katiyar

        What were your annual expenses on StanC Ultimate when you got a fee waiver?

        Reply
      2. Rajeev

        I have tried hard multiple times with all possible options. But they say renewal fee can’t be waived off or reversed.

        If you have got it done request you to share the cutomer id of yours so that we can say that the bank has waived off the renewal fee of one of my friend to build a case for us.

        Reply
      3. xorr

        My annual expenses were quite low this year, yet they reversed. The only point I can see in my favour is that my SCB credit card account is 15+yrs old and I had some great spends in the past but not recently years (since diners black and infinia).
        Sorry can’t share the customer id, privacy :D.

        Reply
        1. Nishant

          What i understood was, they will transfer 5000 points once you pay annual fee of 5000/-, irrespective of how much u spend in the previous year. Only 900/- gst is not covered, that is what we pay. To me Ultimate card costs me 900/- yearly. Let me know please if my understanding is incorrect.

          Reply
          1. xorr

            That’s true but what’s better than not being tied in their redemption options and still saving those 900 too 🙂
            Their redemption options are mostly Myntra/ Big Bazaar vouchers which I anyways get 10X on Infinia.

  412. Vinay Kapoor

    Guys..I am randomly getting reward points in tranche of 2000 since last October. Recent 2000 got on Jun 23. These might be some spend based offers unknown to all of us. Is anyone else receiving it?

    Reply
  413. Sreetharan

    Got CLE from 1.92 lacs to 2.49 lacs after using the card quite heavily for almost 1.5 yrs

    Reply
  414. Guru

    Yesterday, I got a sms to increase my CL from 5L to 7.5L. I called Customer Care and they informed me that there will be Cibil inquiry if I proceed with the CL increase. I declined the offer. I got such CL increase in my YES, Citi, HDFC, ICICI without any CIBIL inquiry.

    Will there be major impact to the CIBIL score if I proceed with the CL increase..?

    Reply
    1. Siddharth Post author

      No, CIBIL score thing is over-rated. It won’t affect much as long as you’ve multiple accounts open and active.

      Reply
  415. Sumit

    I ve been trying to apply for an add on card but all my efforts have been in vain.
    Applied online on 11 Jun and followed it up with multiple calls/mails to cus care however, they just won’t budge.
    Any suggestions as to how should I approach this?
    Also, please clarify if the OTP for online transactions would be received on the phone number linked with the add on card rather than the number of primary card holder.

    Reply
    1. Vinay Kapoor

      Just check if settings allows you to request for add on card. Also Otp will be sent to phone number of add on card member. Briskly I remember they send to primary one by default. Request is to be given for add on card number.

      Reply
      1. Sumit

        So, When I d spoken to cus care in end June they’d said they would be following up on my online request.
        Now, yesterday they said that I have to apply it physically in the branch. Why can’t these people sort out their SOPs…

        Reply
        1. Vinay Kapoor

          No..no physical presence required. Talk to manager or mail them. They will sort out. Mine was done on call

          Reply
          1. Sumit

            I applied my card online, so I don’t have any POI at any branch to progress my addon card 🙁

  416. Amrish

    I applied for the card but it got declined. The reason given is that I have had an SC card and this card can be issued as an upgrade if I’m eligible. Now the problem is that the other SC card was a 10 year old card with a limit < 2lacs. I never used that car since I had better cards with higher limits (DCB, SBI AI etc), hence the limit on this card never got revised, and hence I'm not eligible for an upgrade. I had given them statements from other cards with 10 lac+ limits but that are not ready to consider those.
    What do you guys suggest I do now:
    1. Wait for some more time and apply again. The previous card was closed effective sept'20. Would SC consider the application as a fresh case after a period of say 12 months?
    2. Get the old card reinstated, try to get the limit enhanced and then apply for upgrade. This might also take some time since I'm not sure how quick SC is in giving LE
    Any inputs would be appreciated. Thanks in advance

    Reply
    1. Praveen Katiyar

      Go for option 2.
      SC won’t issue you Ultimate directly (I may be completely wrong on this, check eligibility, may be steep).
      It is easier to get Ultimate if u hold SC card with 5L limit.. I got it this way..

      Reply
    1. chanduatla

      Yes. all wallet, fuel transactions are eligible for 5 points per Rs.150

      Reply
  417. Thomas

    Hi did anyone get the additional 1000 reward point offer on spend of 50000. Does it include online spends

    Reply
  418. Ramesh Kumar

    Yes. I received, Tncs doesn’t have any exclusions so I think all spending will be eligible.

    Reply
  419. Korem

    Recently requested for an addon card to my StanC Ultimate card (Mastercard variant). Request was denied after two weeks citing StanC has discontinued issued Mastercard variant on Ultimate platform for over a year.

    Reply
  420. Tarun

    Does any credit card give reward points on emi transactions? HDFC Infinia customer support said they don’t

    Reply
  421. saurabh

    Standard charted have stopped issuing ultimate cards. Now there is no link to apply on their website .

    Reply
    1. Ramesh Kumar

      Yes, they temporarily stopped issuance of new card since 2-3 months ago.

      Reply
      1. Ramesh Kumar

        Now it’s being issued as VISA variant via SCB partners(DSG) and online application will be enabled in 1-2 weeks.

        Reply
  422. Piyush Chandra

    I called CC for limit increase on my SC Titanium card to 144k. He told me I was elegible for Ultimate Card. So I guess they are issuing new card now.

    Reply
  423. Soumabha Basu

    Guys I need to replace my card.Is it possible?Can they issue a MasterCard?

    Reply
  424. R

    How to get SC ultimate card now?

    Any suggestions or hacks as website has no option to apply.

    Reply
    1. Fahd

      I had reached out to StanC for this and understood that this is no longer being issued.

      Reply
    2. Ramesh Kumar

      Now it’s being issued as VISA variant via SCB partners(like DSG).

      Reply
      1. Sharathkumar Anbu

        Could you share any official update? Nothing present in their website.

        Reply
        1. Ramesh Kumar

          It’s not officially opened, so SCB customer care will say it’s not being issued. But can be applied via SCB partners, my friend applied via bankzone(lead generation agency) and got card in 3 days after completing VKYC.

          Reply
  425. Gunfish

    There was a camp organised by SCB in our residential area, I just asked them I want sc ultimate.i told them my itr or income is not as mentioned on the site, they said they will take care of it. And today I received the card.

    Reply
  426. Mohan

    Any tips to get a credit limit enhancement on the SC Ultimate card. Haven’t got any limit enhancement in the last 3 yrs despite having a very good spending. Limit on SC Ultimate is almost 50% of what I have from DCB or SBI Elite.

    Reply
    1. Sreetharan

      I have got 2 limit enhancements in my 3 yrs of holding the card. Typically 20-30% of the limit. I think its auto generated. My spends have been relatively high at around 5-7 lacs each year. But yes, the limit is quite low at 2.83 lacs now after starting at 1.7 lacs though my amex and DCB are above 6 lacs limit.

      Reply
  427. Sandeep

    can anybody tell if redemption voucher options on this card are useful (which one can use in day to day use), would appreciate, if can share a few names as well. As 3.3% return is only as good as the redemption options.

    Reply
    1. Vikram

      There used to physical vouchers in the past. Since the pandemic it’s all e-vouhers only. I’ve used Croma, Myntra, Nyka and Kiehl’s e-vouchers mostly. When they were offering physical vouchers and gift cards I mostly used Home Center and Westside vouchers. Now there are e-vouchers for these too.

      There are also e-vouchers from some jewelers like Tanishq etc. Zivame, Luxe are also available.

      Reply
    1. Vikram

      I haven’t seen any till now. That’s the specialty of this card. You get 3.3% on everything, even fuel. I haven’t done wallet reloads and so I can’t talk about that. But I think it offers the same returns for wallet reloads too.

      Reply
  428. SSR

    On SC 360rewards website, vouchers like Vouchers like Bata and BigBasket are available at 4x points the value of voucher. How is that the rate of return calculated as 3.3% for this card?

    Reply
    1. Ramesh Kumar

      I’m holding ultimate card and just checked, it’s showing 1:1 ratio for me.
      For non ultimate cards, it’ll show as 4:1 ratio.

      Reply
    2. Vikram

      You must be logged in to see the rates for the Ultimate card. Moreover your card must be added in your SCB online banking account. If you have multiple cards then select the Ultimate after logging into the 360 rewards.

      Reply
    3. MT

      when you login , if your account has a linked SC ultimate , then the point value comes at par

      Reply
    4. Kumar

      Those are for other than Ultimate card. For Ultimate card, 1000 points you will get equivalent Rs. 1000 voucher.

      Reply
  429. Sandeep

    SCB executive on chat could only say that value is Rs.1 per point and you can see the availability of voucher on 360rewards website, may be when we login with this card’s login value may change to 1x. but only an card holder can confirm about variety of voucher available and value on redemption.

    Reply
  430. Aish

    Hi Sid,
    I have applied and got the card in 5 days.
    Received today.
    Any idea of the wallet loads are considered for reward points?

    Reply
    1. Vikash Singh

      @Aish
      Which variant(Master/Visa) SC delivered the card?

      Reply
    2. Saadat

      Yes, everything is considered as spends. Thats the best part of this card.

      Reply
    3. Surendra

      Points are credited for wallet spends and insurance spends as well.

      Reply
  431. Vik

    Got an email from SCB today to inform me that the concierge services on the Ultimate card are being discontinued from April 1, 2022. It doesn’t matter to me but I am not if this would be a deal breaker for any one.

    Reply
  432. Ravitej

    I got this card as LTF. There are few things here, It is purely at bank discretion to make it LTF.
    1. I hold savings account with SC with AQB 25L+
    2. I hold Priority banking relationships with SC
    3. I own all SC credit cards
    BTW to tell again, it is no LTF for all, select customers get this benefit

    Reply
  433. Purna

    I have lost my sc ultimate card then I have called customer care for replacement then I got to know from Apr 1st onwards if any request for new card issue with respect to lost,block ,damage or expired then they are saying will get smartearn card and not the ultimate card.

    Reply
  434. Ankit

    Is there any offer running on Insurance payments this year on SC Ultimate? I remember there was a 5x last year in 2021.

    Reply
  435. Priyal Mangla

    Verified 3rd May 2022

    For a short while, SCB Ultimate Card showed discontinued on the website, but now it’s back.

    Recently received my SCB Ultimate Visa Infinite Credit Card.

    – Welcome bonus of 6000 rewards points is given on payment of annual fee 5000+taxes/-
    1RP – 1Re
    This means first year it is basically free. (As 6000 RP covers the tax amount as well)

    -I have also confirmed that these reward points can be used to adjust directly the credit card bill amount.

    – It is also confirmed that, in the following year of expenditure, on payment of annual charge of 5000+taxes/-, 5000RP will be credited, so we only have to pay the tax amount.

    – Benefits of Visa Infinite is still intact. However, bookmyshow now gives upto Rs. 300 of on 2 tickets and 200 off on F&B (this offer was earlier same as visa signature one)

    Most Importantly, Eligibility: EITHER of the below will work

    – The eligibility of 2L per month gross salary is required. However there is another way to get qualified.

    – If the person has any other credit card (of any bank) with a card limit of 3L and above, they can also apply for the card.

    I qualified the second eligibility.

    Hope this helps!

    Reply
    1. Mayank

      How to apply on Card to Card basis? This option is not visible on site.

      Reply
  436. Sahil

    How does on apply for this? I filled out the application on their website and clicked submit but it just says “processing” then nothing moves forward. Tried this multiple times

    Reply
  437. Mukund

    Has anyone recently been able to apply for this card online? Application gets stuck in processing button stage and not able to move forward. There is no helpline number for SC cards and email / twitter isnt getting me anywhere either . Any suggestions?

    Reply
    1. Ajinkya

      Yes, I got this card after having to deal with their outdated technology and broken processes. Do this – try applying at odd hours like 3 AM IST or so. Don’t stop till you see “approved” on the screen.

      Email/tweet/customer care can’t help. Those funny guys will not admit that their system is broken and dead slow. They will ask you for application number and you can’t give one unless you are through with the above “approved” screen.

      And most importantly, you will see more than 1 enquiries in your credit report. So, you can decide accordingly.

      Reply
      1. Mukund

        Thanks will try this. As you rightly pointed out they ask for application number or deny your request saying your email is not registered with them. But curious on the credit report thing, are you saying the card / loan amount shows up in your report without even getting an approved card?

        Reply
        1. Ajinkya

          Talking about the credit card enquiry which will show up multiple times because of their broken application system/process.

          Also, one more point. The limit I got was the lowest for any Visa Infinite card. I got a measly 2 lakhs limit on this card :). Even basic entry level cards are more generous than this.

          Reply
  438. Rishi

    My card got blocked due to some suspicious transaction and it is yet to be unblocked for a week. Customer care is clueless. Anyone else faced a similar issue? Such a pity state of the bank. They are doing his with sc ultimate holders

    Reply
    1. Ajinkya

      Send a strongly worded email to “[email protected]”. Faced the same situation 3-4 times so far in just last couple of months. They claim that their transaction monitoring team had called you and they were unable to reach you. Reality is that most of the times, there is no such call. Unlike other issuers like HDFC, SBI etc. who promptly call in case of any suspicious transaction, it looks like SC simply blocks your card and you are at their mercy to get it unblocked.

      Reply
  439. CHALAM

    I aquired this card in March 2019, and closed a few days before renewal date. ( even availed MMT offer, then). Shifted the spends to DCB. But Hdfc made minor changes in rewards, saying no rewards on rent payment from Jan 1st.
    Now day before yesterday dropped a mail to SC, asking them – how to reapply for this card.
    Yesterday I received reply, ” Your card reissue request approved -card will be delivered in one week ” . 😃
    I didn’t expected it to be this much of fast.

    Reply
  440. Ankit

    Does SC ultimate give reward points on rent transactions (E.g. Redgirraffe or Nobroker or Cred)? Is there any upper cap on points like HDFC used to have max 2K points per month for rent transactions (now they are completing stopping points for rent transactions from 1st Jan 2023)?

    Reply

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