Standard Chartered Ultimate Credit Card
Standard Chartered Bank logo

Standard Chartered Bank

Standard Chartered Ultimate Credit Card

Mastercard
Premium

Your rating

Community rating

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

2%

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

Key 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

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

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

Travel & 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

Tips & reviews

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

Checking sign-in…

Eligibility

Age21+ yrs – 65

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.

Quick Links

View on bank website

Data last updated 24 Mar 2026

All Standard Chartered Bank credit cards →Best Reward CardsCards with Lounge AccessBest Travel CardsBest Fuel Cards