Ultimate Credit Card

•PremiumFlexible Points

Official Page ↗

Highlights

Base Reward: 3.33% return (5 RP / ₹150)
Domestic Lounge: 4 visits/quarter via Visa Lounge Program
International Lounge: ? visits/year via Priority Pass
Forex Markup: 2%

Welcome / Joining Benefit

5,000 Reward Points (worth ₹5,000) welcome gift on fee payment.

Points Expiry

Joining Fee

₹5,000

+18% GST applicable

Annual Fee

₹5,000

+18% GST applicable

Renewal Fee

₹5,000

+18% GST applicable

Joining Fee Waiver

5,000 Reward Points (worth ₹5,000) welcome gift on fee payment.

Annual Renewal Benefit

No renewal fee waiver, but gives 5,000 points annually on fee payment.

Basic Requirements

Minimum Age21 years

Maximum Age70 years

Eligible OccupationSalaried, Self-Employed

Base Reward Rate

Points per Spend

5 RP

Per Every

₹150

Effective Return

3.3333333333333335%

Currency: SC Ultimate Points — 1 point ≈ ₹1

Forex Markup: 2%

Accelerated & Special Rates

Flat 3.33% reward rate on all retail transactions (excludes fuel, utility, rent).

3.33% return

❌ No Points Earned On:

FuelWallet LoadRentUtilitiesGovernment Spends

🛫 Domestic Lounge Access

ProgramVisa Lounge Program

Visits4 per quarter

PrivilegesPrimary: Yes • Add-on: No • Guest: No

🌏 International Lounge Access

ProgramPriority Pass

PrivilegesPrimary: Yes • Add-on: No • Guest: No

Redemption Options

360° Rewards Points

Smart Redemption Tips

🏆 Best value: Gift Voucher at ₹0.25–₹0.5/pt — maximize your returns here.

⚠️ Avoid Statement Credit (₹0.2/pt) — you lose 60% of point value.

🪙 Reward currency: 360° Rewards Points

Best Value

🎁Gift Voucher

Gift vouchers via 360° Rewards portal

₹0.25–₹0.5/pt

✈️Travel Portal

Flights and hotels via rewards portal

₹0.25–₹0.5/pt

💳Statement Credit

Redeem points against statement balance

₹0.2/pt