Standard Chartered Ultimate Credit Card
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 5 Reward Points per ₹150 (5 Reward Points per ₹150 on ALL spends (including duty-free, insurance, utilities, and fuel))
Overview
Standard Chartered Ultimate Credit Card by Standard Chartered Bank provides premium value tailored for Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 5 Reward Points per ₹150 (5 Reward Points per ₹150 on ALL spends (including duty-free, insurance, utilities, and fuel))
- • Accelerated Rewards: Flat 3.33% Reward Rate across virtually all spend categories (5 pts / ₹150). 1 Ultimate Reward Point = ₹1.00 on 360° Rewards catalog for flights, hotels, and luxury vouchers.
- • Excluded Categories: Rent, Wallet reloads
Welcome Benefit
5,000 Reward Points (worth ₹5,000) credited upon payment of joining fee; Qualification Criteria: Payment of joining fee; Fulfillment Timeline: 60 days post joining fee settlement
Milestone Benefit
Spend ₹5,000 (Annual): 5,000 Reward Points (worth ₹5,000) on payment of annual renewal fee every year; Annual Fee Waiver: 5,000 Reward Points (worth ₹5,000 on 360° Rewards Portal) credited on annual fee payment, fully offsetting the fee
Redemption
- • Redeem on 360° Rewards Portal for flights, hotels, Apple products, and top brand vouchers at 1 pt = ₹1.00
- • Cash credit to card statement at ₹0.58 per point
Benefits
- Domestic Airport Lounge: 4 per quarter (16 visits per year) via Visa Infinite Domestic Lounge (Guest Access: Paid guest access)
- International Airport Lounge: 1 per calendar month (12 visits per year) via Priority Pass (subject to ₹20,000 spend in preceding month) via Priority Pass (Guest Access: Paid guest access)
- Fuel Surcharge Waiver: 1% (Max waiver ₹500 per month)
- Discounted 2.0% Foreign Currency Markup: Reduced forex markup of 2.0% on international transactions, coupled with 3.33% reward earn rate, resulting in a net positive valueback of +1.33% on overseas spends. (Net positive earn on foreign spends) [Partners: Visa Infinite]
- Complimentary Golf Games & Lessons: 1 complimentary golf game/lesson per month (up to 4 per calendar quarter) across top golf courses in India. (Bookable via SC concierge) [Partners: Golftripz]
- Comprehensive Air Accident Cover: Air accident insurance cover of ₹1 Crore, baggage delay insurance, and medical emergency assistance. (Air accident cover ₹1 Cr, Travel insurance support) [Partners: ICICI Lombard]
Things to Know Before you apply
Standard Chartered Ultimate Credit Card Eligibility Criteria
- Age: 21–65 years
- Net Annual Income ₹24,00,000+ or Salaried ₹2,00,000/month
- Salaried & Self-Employed Individuals
- Resident Indian
Standard Chartered Ultimate Credit Card Customer Care
- Toll Free: 1800 1200
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹5,000 |
| Annual Fee | ₹5,000 |
| Foreign Currency Mark-up Fee | 2% |
| Cash Advance Fee | 3.0% of cash amount (min ₹300) |
Fee waiver: 5,000 Reward Points (worth ₹5,000 on 360° Rewards Portal) credited on annual fee payment, fully offsetting the fee
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
Standard Chartered Ultimate Credit Card issued by Standard Chartered Bank is one of India's leading credit cards for Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 5 Reward Points per ₹150 (5 Reward Points per ₹150 on ALL spends (including duty-free, insurance, utilities, and fuel))
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹5000
- • Reward exclusion on fuel purchases and wallet load transactions
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- • 5,000 Reward Points (worth ₹5,000) credited upon payment of joining fee
- • Qualification Criteria: Payment of joining fee
- • Fulfillment Timeline: 60 days post joining fee settlement
- • Welcome e-gift voucher worth ₹5,000 across top luxury brands (Bata/Hush Puppies, Pantaloons, Shoppers Stop, Yatra)
- • Qualification Criteria: Payment of annual joining fee within 30 days
- • Fulfillment Timeline: Sent via SMS/Email within 15 days of fee realization
- • Complimentary annual Swiggy One and Times Prime memberships on ₹75,000 spend in first 90 days.
- • Base Rewards: 5 Reward Points per ₹150 (5 Reward Points per ₹150 on ALL spends (including duty-free, insurance, utilities, and fuel))
- • Accelerated Rewards: Flat 3.33% Reward Rate across virtually all spend categories (5 pts / ₹150). 1 Ultimate Reward Point = ₹1.00 on 360° Rewards catalog for flights, hotels, and luxury vouchers.
- • Excluded Categories: Rent, Wallet reloads
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all standard retail spends)
- • Accelerated Rewards: 5X Reward Points (10 RPs per ₹100) on Dining, Departmental stores and Grocery spends
- • Excluded Categories: Fuel, Wallet loads, Property tax and Govt payments
- • 4 RP/₹200 retail
- • 20 RP/₹200 on Swiggy/Zomato
- • up to 10X via SmartBuy.
- • Base Rewards: 5 Reward Points per ₹150 (5 Reward Points per ₹150 on ALL spends (including duty-free, insurance, utilities, and fuel))
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all standard retail spends)
- • Forex markup rate of 1.99%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • 5X-equivalent reward rate on eligible Swiggy and Zomato online food orders
- • Up to 10X SmartBuy rewards
- • Swiggy One and Times Prime welcome memberships
- • Milestone vouchers
- • Movie and dining benefits
- • Conditional domestic and international lounge access
- • Annual renewal fee of ₹5000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹4999
- • Reward exclusion on fuel purchases and wallet load transactions
- • ₹1,000 joining/renewal membership fee plus applicable taxes unless waived
- • Renewal-fee waiver requires ₹3 lakh eligible annual spend
- • Lounge access is linked to eligible previous-quarter spend
- • Reward redemption value varies by redemption channel