Customary Chartered Final Credit score Card Evaluate – CardExpert

Standard Chartered Ultimate Credit Card Review

For those who’re searching for a Tremendous Premium Credit score Card that offers rewards on “any” kind of spend, then you definitely’ve landed on the proper place. Within the present state of affairs the place most bank card issuers impose limitations on spending classes, Customary Chartered Final Credit score Card involves rescue not just for these kinds of spends but in addition past.

Right here’s all the pieces you’ll want to find out about this infinitely rewarding bank card,


Sort Tremendous Premium Credit score Card
Reward Price 3.3%
Annual Payment 5,000 INR+GST
Finest for Voucher redemptions
USP Rewards on all kind of spends

With a reward price that matches HDFC Infinia and with none redemption limitations, Customary Chartered Final Credit score Card is without doubt one of the best choice for top spenders.


Becoming a member of Payment 5,000 INR + GST
Welcome Profit 6,000 factors
Renewal Payment 5,000 INR + GST
Renewal Profit 5,000 factors
Renewal Payment waiver Nil

The welcome rewards you get is equal to the becoming a member of charge you pay. It even covers the GST half for that matter for first 12 months however sadly not on renewal, as you’ll be in need of 1K factors.

Anyway, reward factors as welcome profit is an effective transfer in comparison with the earlier welcome profit that used to offer MMT voucher.

Card Design

Standard Chartered Ultimate Credit Card Design

The cardboard seems fairly good with these golden parts shining on a black background. It seems premium for certain in actuality. Furthermore, the Mastercard emblem provides a pleasant contact to the general design.


  • Reward Price: 3.3% on most spends
  • Rewards expire in: 3 years

As talked about beforehand, the USP of the Final card is that it offers rewards on all kinds of spends regardless of whether or not it’s on-line (or) offline spend. There is no such thing as a cap by any means each for incomes and redeeming.

Nonetheless, SCB has lastly give you revision of rewards on choose classes (as under) which is able to solely earn ~2% rewards going ahead (eff. 2nd April 2023).

  • Choose Classes: 2% as rewards
  • Hire Cost charge: 1% + GST will probably be levied moreover
SC Ultimate Revised Rewards on select categories


  • Redemption kind: Vouchers
  • Redemption Payment: 99 INR +GST

Whereas we don’t have any “airline/lodge” switch companions with SC Final bank card as of now, we will redeem factors for a protracted record of vouchers at 1:1 ratio.

Standard Chartered Ultimate Credit Card reward redemption

Listed below are a number of the vouchers you possibly can count on to redeem utilizing reward factors on Customary Chartered Final Credit score Card.

  1. Procuring: Myntra, Nykaa, Pantaloons, Levis, and so on
  2. Electronics: Croma
  3. OTA: MakeMyTrip, EaseMyTrip
  4. Resorts: Marriott Resorts, Taj Resorts, ITC Resorts
  5. Cabs: Uber
  6. Airline: Vistara Voucher
  7. Luxurious manufacturers like Luxe, Armani, and so on.

Notice: the voucher manufacturers retains altering occasionally.

Typically, cardholders redeem factors for Croma vouchers, as that is most likely the one card that offers fairly good worth for procuring electronics. However if you happen to’re into journey, you possibly can discover complete lot of choices.

Foreign exchange Markup Payment

  • Foreign exchange Markup Payment: 2%+GST = 2.36%
  • Web achieve: 0.94%

Whereas its not an excellent achieve, it’s nonetheless wonderful for many who doesn’t have HDFC Infinia or Axis Reserve Credit score Playing cards, as you don’t free something for doing international forex spends on Customary Chartered Final bank card.

Airport Lounge Entry

Home (Main) Visa / Mastercard 4/Qtr
Worldwide (Main) Precedence Move 1/month
  • Spend standards for Intl lounge entry: 20,000 INR spend in earlier month

A real Tremendous Premium Credit score Card normally comes with a vast lounge entry profit throughout the globe not just for main but in addition for add-on cardholders.

Nonetheless, with Customary Chartered Final it’s fairly restricted on the subject of lounge entry. Furthermore, to benefit from the complimentary worldwide lounge entry, a minimal spending requirement needs to be met, as talked about above.

Golf Profit

Whereas above is the inbuilt Golf profit out there on Customary Chartered Final Credit score Card, you can even avail further video games & classes if you happen to’re holding the Mastercard variant of SC Final.

Mastercard World Golf profit offers you further 4 golf video games per 12 months and 1 golf lesson per 30 days.

Different Advantages

  • Responsibility Free Spends: Get 5% cashback on duty-free transactions at over 1000+ airports internationally, with a max. cashback of 1,000 INR per 30 days.
  • Film Profit: You may get the Buy1 Get 1 Visa Infinite Supply if you happen to’re holding Visa variant of the SC Final Credit score Card.
  • Gasoline surcharge waiver: 1% waiver & no rewards on gas spends (eff. 2nd April 2023).


  • ITR: 24L p.a.
  • Different Financial institution Credit score Card: ~5L Credit score Restrict
  • Current SC Credit score Card: ~4L Credit score Restrict

The eligibility standards for the Customary Chartered Final Credit score Card might range occasionally. Nonetheless, the data above can offer you an thought of what Customary Chartered financial institution is often searching for from a potential buyer.

How you can Apply?

Standard Chartered Ultimate Credit Card India

You might apply on-line on Customary Chartered financial institution web site, however probabilities of rejection is excessive just lately.

So the best technique to get Customary Chartered Final Credit score Card is to first get Customary Chartered Sensible Credit score Card after which apply for SC Final utilizing the prevailing bank card relationship with the financial institution.

You’ll simply must authenticate your present SC bank card to get 2nd card from Customary Chartered and its only a matter of few clicks.

You’ll nevertheless must be permitted for a very good credit score restrict for this to work, which may be very a lot potential if you happen to’ve increased limits on different bank cards.

If the applying is caught and never responding past some extent, fear not, you’ll possible get a name from backend in every week or two.

If all the pieces fails, the one possibility left is to open Customary Chartered Precedence Financial savings Account (30L stability) and apply for the cardboard based mostly on the banking relationship.


Customary Chartered Final Credit score Card has been one of many finest bank cards in India for a few years in a row and it continues to shine in 2023 as nicely.

It definitely stays as a really Final Bank card within the tremendous premium section, particularly for many who are primarily searching for non-travel reward redemption choices on ongoing spends.

Received queries? Get solutions to all of your questions round bank cards, rewards, airmiles, and so on with the One-on-One Credit score Card session service.

Do you maintain Customary Chartered Final Credit score Card? Be happy to share your experiences within the feedback under.

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