What is the annual fee for Standard Chartered Ultimate Credit Card?

The annual fee for Standard Chartered Ultimate Credit Card is ₹5,000.

What is the joining fee for Standard Chartered Ultimate Credit Card?

The one-time joining fee for Standard Chartered Ultimate Credit Card is ₹5,000.

What are the rewards and benefits of Standard Chartered Ultimate Credit Card?

Standard Chartered Ultimate Credit Card earns points rewards. Reward rate ranges from 2% to 3.33%. You earn 3.33 points per ₹100 spent.

What lounge access benefits does Standard Chartered Ultimate Credit Card provide?

Standard Chartered Ultimate Credit Card provides 4 domestic lounge visits per quarter and 12 international lounge visits per year.

What is the eligibility criteria for Standard Chartered Ultimate Credit Card?

To be eligible for Standard Chartered Ultimate Credit Card, you need a minimum monthly income of ₹1,00,000.

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Standard Chartered Bank

Standard Chartered Ultimate Credit Card

Name: Standard Chartered Ultimate Credit Card
Brand: Standard Chartered Bank
Price: 5000 INR
Availability: InStock

The Standard Chartered Ultimate Credit Card (Mastercard) is SC's flagship premium card on the Mastercard network.

Premium

CardCheck ScoreVery Good

Top Category Performance

Premium Privileges (88/100)

Best for: SC's premium Mastercard — 4 lounge/qtr, 3.33% dining & travel, 2% forex

Joining Fee

₹5,000

Annual Fee

₹5,000

Reward Rate (%)

2 – 3.33

Forex Markup

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Very GoodScore / 100

Reward Power

27/35

Fee Value & ROI

18/25

Lounge & Perks

18/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category

Premium Privileges

88/100

Travel & Lounge

82/100

Cashback Spends

75/100

Online Shopping

72/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

Standard Chartered Ultimate Credit Card Benefits

Welcome benefit of 6,000 Reward Points worth ₹6,000 on fee payment

Earn 5 Reward Points per ₹150 spent on most retail transactions

Selected categories earn 3 Reward Points per ₹150 spent

1 Reward Point = ₹1 redemption value via 360° Rewards

4 complimentary domestic airport lounge visits per quarter (16 per year)

1 complimentary international lounge visit per month via Priority Pass (subject to ₹20,000 spend in previous month)

Complimentary Priority Pass membership

5% cashback on duty-free purchases (up to ₹1,000 per statement cycle)

Low forex markup of 2%

1 complimentary golf game and 1 golf lesson every month

Standard Chartered Ultimate Credit Card Rewards

How you earn back on every swipe

points

Reward type

2% – 3.33%

Earn rate

3.33

Points / ₹100

₹1

Per point

36 months

Point expiry

Standard Chartered Ultimate Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹5,000

Annual fee₹5,000

Interest-free period48 days

Interest rate (APR)23.88% – 45%

Forex markup2%

Fuel surcharge waiverYes

Standard Chartered Ultimate Credit Card Lounge Access

Airport perks included with this card

4 per quarter

Domestic lounge visits

12 per year

International lounge visits

Priority Pass

Included with this card

Things to Keep in Mind

fuel transactions earn no rewards
reward points may be capped at card level
supplementary cards excluded from joining offer

Card Features

Metal Card

Contactless

UPI Linked

Annual Fee: ₹5,000

This card carries a fixed annual fee of ₹5,000. At ~3.33% estimated return, spending approximately ₹12,513/mo earns enough rewards to fully offset the annual fee.

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Standard Chartered Ultimate Credit Card Eligibility

Age21+ yrs – 65

Min. income₹1,00,000/month

CIBIL score750+

Employment type

SalariedSelf employed

Pros & Cons

Pros

Excellent reward redemption value (1 RP = ₹1)
Welcome bonus exceeds joining fee value
Strong base reward rate on general spending
Low 2% forex markup
Generous domestic lounge access
International lounge access via Priority Pass
Monthly golf privileges included
Good travel and lifestyle card at a moderate premium fee

Cons

No annual fee waiver option
International lounge access requires ₹20,000 spend in the previous month
Reward rate reduced on some categories
Fuel spends do not earn reward points
No unlimited lounge access
Limited premium travel benefits compared to ultra-premium cards
Reward points expire after the validity period
Better value available on cards with accelerated travel ecosystems for very high spenders

Who is this card for?

Frequent travellers and diners who want SC's most rewarding premium card with comprehensive lounge access, competitive forex rates, and premium airline mile transfer options.