Standard Chartered Ultimate Credit Card
A premium card with one of the simplest high-value reward structures around: a flat 3.3% return as reward points on virtually all spends. Add domestic lounge visits, spend-based Priority Pass visits and duty-free benefits and it's a clean, no-fuss premium pick.
Why it ranks
- Excellent flat reward rate with few exclusions
- 4 domestic lounge visits a quarter, plus monthly Priority Pass visits on spend
- 1 point equals 1 rupee, easy to value
- Strong everyday premium card
What holds it back
- Annual fee is not easily waived
- 2% forex markup on international spends
- Fewer co-brand perks than rivals
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A premium card with one of the simplest high-value reward structures around: a flat 3.3% return as reward points on virtually all spends. Add domestic lounge visits, spend-based Priority Pass visits and duty-free benefits and it's a clean, no-fuss premium pick.
Standard Chartered Ultimate Credit Card at a glance
| Issuer | Standard Chartered Bank |
| Card network | Visa |
| Annual fee | ₹5,000 |
| Welcome bonus | Reward points and benefits worth the annual fee on activation |
| Rewards rate | Flat 3.3% reward value on most spends |
| Intro APR | N/A |
| Regular APR | Around 41.88% per annum (3.49% per month) |
| Foreign transaction fee | 2% markup on foreign currency transactions |
| Credit needed | Excellent |
| Best for | Premium users who want a simple flat-rate rewards card |
| Airport lounge access | 4 domestic visits a quarter; 1 Priority Pass visit a month after ₹20,000 spend in the previous month |
Rewards & benefits
- 5 reward points per Rs.150 on retail spends (1 point = Re.1)
- Flat reward value of roughly 3.3% across categories
- Insurance and utility spends earn a lower 3 points per ₹150
- 5% cashback on duty-free spends up to a cap
- Reward points redeemable as statement credit
Eligibility & who it suits
- Indian resident, salaried or self-employed
- CIBIL score of 750 or above recommended
- Income meeting Standard Chartered's premium criteria
- Valid PAN and KYC documents
How to apply
Check current rates on Standard Chartered Bank’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | SCStandard Chartered BankStandard Chartered Ultimate₹5,000/yr · IN Standard Chartered Ultimate Credit CardPremium users who want a simple flat-rate rewards card |
₹5,000/yr | Flat 3.3% reward value on most spends | Reward points and benefits worth the annual fee on activatio… | 2% markup on foreign curre… | Excellent | |
| 2 | HHDFC BankHDFC Infinia Metal Edition₹12,500/yr · IN HDFC Infinia Credit Card (Metal Edition)High-net-worth spenders who want top-tier travel and luxury perks |
₹12,500/yr | 3.3% base value, up to 33% on SmartBuy bookings | 12,500 bonus Reward Points on fee payment | 2% markup on foreign curre… | Excellent | |
| 3 | HHDFC BankHDFC Diners Club Black Metal₹10,000/yr · IN HDFC Diners Club Black Metal Credit CardFrequent flyers who want luxury perks on the Diners network |
₹10,000/yr | 3.3% base, up to 33% via SmartBuy | Club Marriott, Amazon Prime and Swiggy One (3 months) on spe… | 2% markup on foreign curre… | Excellent | |
| 4 | AAxis BankMagnus₹12,500/yr · IN Axis Bank Magnus Credit CardPoints maximizers who transfer rewards to airline miles |
₹12,500/yr | Around 4.8% base value, higher via partner transfers | Large bonus EDGE Points or voucher on spend milestone | 2% markup on foreign curre… | Excellent |
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