SC Ultimate Credit Card 2025
Save over ₹40,000+ every year with unlimited lounges + high rewards!
Best mid-premium travel card! SC Ultimate gives unlimited domestic lounge access, 3.3% rewards on all spends, easy fee waiver on ₹12.5L annual spend, and 2 international lounge visits.
Perfect balance of premium benefits with reasonable fee!
Why Choose SC Ultimate in 2025?
Unlimited domestic lounges • 3.3% rewards everywhere • Easy ₹12.5L fee waiver • 2 intl lounges • Golf lessons • Movie offers
Best for: Frequent domestic travelers, ₹1L+/month spenders
Card At a Glance
₹5,000 + GST
₹5,000 + GST (Waived on ₹12.5L)
3.3% on all spends
Unlimited Domestic + 2 Intl
₹12.5 Lakh spend
3.5%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹5,000 + GST |
| Annual Fee | ₹5,000 + GST (Waived on ₹12.5L spend) |
| Rewards | 3X points/₹150 (3.3% value) |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | 1% (max ₹500/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 3X Reward Points per ₹150 (3.3% return) on ALL spends
- 1 point = ₹1 (vouchers, airmiles, products)
- No expiry on reward points
- 1:1 transfer to 6 airlines (Vistara, Air India, etc.)
- No exclusions except wallet loads
Airport Lounge Access
Unlimited domestic lounge access for primary + add-on
2 international lounge visits/year via Priority Pass
No spend requirement
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹25 Lakh personal accident cover
- ₹5 Lakh emergency hospitalization
- 4 golf lessons/month
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Unlimited domestic lounges | Only 2 intl lounge visits |
| 3.3% rewards everywhere | 3.5% forex markup |
| Easy ₹12.5L fee waiver | ₹5,000 joining fee |
| No expiry on points | No welcome benefits |
| 1:1 airmiles transfer | High ₹12.5L waiver threshold |
| Golf lessons included |
Eligibility Criteria & Documents Required
- Age: 21–65 years
- Minimum Annual Income: ₹12 Lakh
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR
How to Apply Online (5-Minute Process)
- Visit SC website and select Ultimate Card
- Fill basic details → Instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2 minutes)
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
Best mid-premium travel card! Unlimited lounges + 3.3% rewards = ₹35,000+ value for ₹1L+/month spenders. Perfect if you travel domestically often!
Frequently Asked Questions (FAQs)
Unlimited domestic lounges?
Yes! Primary + add-on both get unlimited access.
3.3% on all spends?
Yes! 3X points/₹150 everywhere except wallet loads.
Fee waiver threshold?
₹12.5 Lakh annual spend waives ₹5,000 fee.
Do points expire?
No! Lifetime validity on reward points.
International lounge access?
2 complimentary visits/year via Priority Pass.