Standard Chartered Ultimate VISA Credit Card
Standard Chartered Bank
Expert Rating
₹5,000
₹5,000
2%
No lounge access
Contents
The Standard Chartered Ultimate VISA is a premium lifestyle and travel credit card aimed at frequent travellers, diners and golf enthusiasts. It offers high-value lounge access, Priority Pass membership, travel insurance and accelerated rewards on selected categories. The card suits users who can absorb the higher fee in exchange for lounge access, insurance and milestone benefits.
Features of Standard Chartered Ultimate VISA Credit Card which makes it unique
Priority Pass Membership
Complimentary Priority Pass membership for international lounge access
Access to international lounges and partner lounges worldwide
Comparable to other premium travel cards offering Priority Pass
Generous Lounge Allowance
Four domestic lounge visits per quarter plus Priority Pass access
Good domestic lounge coverage for frequent domestic flyers
Higher domestic access frequency than many mid-tier cards
Rewards Structure of Standard Chartered Ultimate VISA Credit Card
Dining
acceleratedRestaurants and dining merchants
Accelerated earn on dining and lifestyle spends as per bank categories.
Travel & Duty-free
acceleratedDuty-free and travel bookings
Priority Pass and travel-related benefits stack with rewards.
Base Rewards
baseAll retail spends except excluded categories
From April 2, 2023 certain categories (utilities, supermarkets, insurance, property & government payments) earn 3 points/₹150.
Milestones of Standard Chartered Ultimate VISA Credit Card
Spend Milestones
Varies by offer : Extra reward points or vouchers as per periodic bank campaigns
Fees & Charges of Standard Chartered Ultimate VISA Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹5,000 |
| Annual Fee | ₹5,000 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Reward points (or vouchers) credited as renewal benefit; check current bank offers for renewal benefit and waiver policies.
Fee Explanation Standard Chartered applies fees and GST as per card T&Cs; annual/joining fees, forex mark-up and transaction charges apply. Refer to bank T&Cs for exact GST treatment and slabbed charges.
Lounge Access Benefits with Standard Chartered Ultimate VISA Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Domestic lounge access available as per Visa lounge programme; terms apply.
international Lounges
silverVisits per year: 0
Guest access: Yes
Priority Pass complimentary membership provided under card benefits; usage and guest rules per Priority Pass T&Cs.
Insurance Coverage with Standard Chartered Ultimate VISA Credit Card
Travel Insurance
Up to ₹1,00,00,000 (policy specific)Complimentary travel insurance available for international trips; subject to policy terms and card activation criteria.
Air Accident Insurance
Up to ₹1,00,00,000 (air accidents)Covered for primary cardholder under specified product policy; see insurance provider T&Cs.
Additional Features of Standard Chartered Ultimate VISA Credit Card
Golf Benefits
Complimentary golf rounds and golf offers at select courses
One complimentary golf game per month on selected courses (subject to booking and availability).
Virtual Card
Ultimate virtual credit card for secure online transactions and instant access to select perks
Apply via Standard Chartered mobile app; terms apply.
Welcome Bonus with Standard Chartered Ultimate VISA Credit Card
Welcome Bonus: 6,000 reward points on joining (subject to T&Cs).
Bonus Conditions: Welcome points credited after payment of joining fee and fulfilment of joining offer criteria; new and eligible customers only. See official T&Cs on Standard Chartered India.
Application Process for Standard Chartered Ultimate VISA Credit Card
Processing Time
5-10 business days (typical subject to verification).
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Standard Chartered or Finanjo portal with the Ultimate card application
Upload KYC and income documents
Underwriting and verification by the bank
Card dispatched on approval (typical 5–10 business days)
Required Documents for Standard Chartered Ultimate VISA Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
applicants requiring income verificationAccepted documents:
Standard Chartered Ultimate VISA Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India at Visa-accepted merchants
International Acceptance
Accepted globally at Visa merchants; international fees apply
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Standard Chartered Ultimate VISA Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and KYC documents required; eligibility subject to bank underwriting and income verification.
How Approval Is Decided
- Indian resident with valid KYC
- Satisfactory credit history (recommended score 700+)
- Bank underwriting and income verification
Pros of Standard Chartered Ultimate VISA Credit Card
- Strong lounge programme with domestic and Priority Pass benefits
- High-value travel insurance and air accident cover
- Reward points on premium categories and periodic milestone offers
Cons of Standard Chartered Ultimate VISA Credit Card
- High joining and annual fee (₹5,000 + GST)
- Fuel spends do not earn reward points (only surcharge waiver)
- Some reward category rules and caps are campaign-driven and can change
Frequently Asked Questions about Standard Chartered Ultimate VISA Credit Card
What is the joining and annual fee for the Standard Chartered Ultimate card?
Joining and annual fee are ₹5,000 + GST each (fees and renewal benefits may vary with bank offers).
How many domestic lounge visits are included?
You get 4 complimentary domestic lounge visits per calendar quarter (16 per year) under the Visa lounge programme.
Does the card offer Priority Pass?
Yes — the card typically includes Priority Pass membership; actual guest access and lounge availability are subject to Priority Pass terms.
What is the forex mark-up fee on international spends?
Standard Chartered charges a forex mark-up of 2.0% on international transactions (as per bank update effective 25 Aug 2024).
Do fuel spends earn reward points?
No — fuel transactions do not earn reward points on the Ultimate card; however a 1% fuel surcharge waiver (capped at ₹1,000/month) is provided.
What travel insurance cover does the card provide?
The card includes complimentary travel insurance and air accident insurance under an insurer-linked policy; sums insured and eligibility rules are in the policy documents on Standard Chartered’s site.
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