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Standard Chartered India · Visa Infinite · हिन्दी

Standard Chartered Ultimate Credit Card: full review

The SC Ultimate is one of India's most rewarding premium cards. The 3.33% flat rate with 1 RP = ₹1 redemption is unmatched at the ₹5,000 fee tier, and domestic and international lounge access add travel value. Welcome RP covers the joining fee entirely. No rewards on fuel and the lower 2% on utilities and supermarkets are the main drawbacks.

Apply now ↗Annual fee: ₹5,000 + taxes
Last updated: October 2026 · Current terms verified
STANDARD CHARTER
VISA
)))
ULTIMATE
ASHOK KUMAR
12/28
₹5,000 + taxes (6,000 welcome RP worth ₹6,000, offsets fee in Year 1)Annual fee
5 reward points per ₹150 on most spends (about 3.33% at ₹1 a point); 3 points per ₹150 (2%) on utilities, supermarkets, insurance, property management, schools and government payments; 2% forexReward structure
Domestic and international lounge access (Standard Chartered's value chart counts 6 domestic and 4 Priority Pass visits a year)Lounge access

Key benefits of the Standard Chartered Ultimate Credit Card

5 reward points per ₹150 on most spends (3.33% at ₹1 a point); 3 points per ₹150 (2%) on utilities, supermarkets, insurance and government payments1 RP = ₹1 redeemable via SC 360° Rewards portal, best redemption ratio among premium Indian cards6,000 welcome reward points (= ₹6,000) on joining fee payment, covers Year 1 fee entirelyDomestic lounge access (the bank's value chart counts 6 visits a year)International lounge access with Priority Pass (the bank's value chart counts 4 visits a year)5% duty-free cashback on international airport shopping (capped ₹1,000/month)1 complimentary golf round per month at premier Indian courses2% low forex markup on international transactionsAir travel accident cover up to ₹1 crore; international medical insurance $25,000Annual fee reversal at ₹5L annual spend
Apply now ↗ Min. income: ₹24L+/year · Credit score: 750+
Pros and cons
Pros
✓ Best flat reward rate among non-invite-only Indian premium cards at 3.33%
✓ 1 RP = ₹1, most premium cards offer ₹0.20–₹0.25 per RP
✓ Welcome RP exactly covers joining fee: Year 1 is effectively free
✓ Still earns 2% on utilities and supermarkets, where most cards earn little
Cons
✗ 3 RP (not 5 RP) on utilities, supermarkets, insurance, schools, government from Apr 2023
✗ Fuel excluded from rewards entirely, only 1% fuel surcharge waiver
✗ Lounge visits are limited, not unlimited
✗ Available only in select metro cities
Quick facts
Issuer Standard Chartered India
Network Visa Infinite
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹5,000 + taxes (6,000 welcome RP worth ₹6,000, offsets fee in Year 1)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹5,000
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Domestic and international lounge access (Standard Chartered's value chart counts 6 domestic and 4 Priority Pass visits a year)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹24L+/year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceStandard Chartered's Ultimate card page · Last checked October 2026
Recent updates

Corrected from Standard Chartered's card page: utilities and supermarkets earn 3 points per ₹150, which is 2% at ₹1 a point. Our maths counted 1% on groceries and nothing on utility bills. The bank's value chart counts 6 domestic lounge visits a year, not 16.

Groceries1%2%
Utility bills0%2%
Domestic lounge16 a year6 a year (bank value chart)
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Frequently asked questions
The annual fee for Standard Chartered Ultimate Credit Card is ₹5,000 + taxes (6,000 welcome RP worth ₹6,000, offsets fee in Year 1). The joining fee is ₹5,000.
The main benefits of the Standard Chartered Ultimate Credit Card are: 5 reward points per ₹150 on most spends (3.33% at ₹1 a point); 3 points per ₹150 (2%) on utilities, supermarkets, insurance and government payments; 1 RP = ₹1 redeemable via SC 360° Rewards portal, best redemption ratio among premium Indian cards; 6,000 welcome reward points (= ₹6,000) on joining fee payment, covers Year 1 fee entirely; Domestic lounge access (the bank's value chart counts 6 visits a year); International lounge access with Priority Pass (the bank's value chart counts 4 visits a year); 5% duty-free cashback on international airport shopping (capped ₹1,000/month); 1 complimentary golf round per month at premier Indian courses; 2% low forex markup on international transactions; Air travel accident cover up to ₹1 crore; international medical insurance $25,000; Annual fee reversal at ₹5L annual spend.
5 reward points per ₹150 on most spends (about 3.33% at ₹1 a point); 3 points per ₹150 (2%) on utilities, supermarkets, insurance, property management, schools and government payments; 2% forex
Standard Chartered Ultimate Credit Card is best for High spenders wanting the best flat reward rate in India with 1 RP = ₹1 redemption value. The SC Ultimate is one of India's most rewarding premium cards. The 3.33% flat rate with 1 RP = ₹1 redemption is unmatched at the ₹5,000 fee tier, and domestic and international lounge access add travel value. Welcome RP covers the joining fee entirely. No rewards on fuel and the lower 2% on utilities and supermarkets are the main drawbacks.
The minimum income requirement for Standard Chartered Ultimate Credit Card is ₹24L+/year. A minimum credit score of 750+ is also recommended.
Yes, Standard Chartered Ultimate Credit Card offers Domestic and international lounge access (Standard Chartered's value chart counts 6 domestic and 4 Priority Pass visits a year).
Standard Chartered Ultimate Credit Card charges a 2% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
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Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
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Standard Chartered Ultimate₹5,000 + taxes
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