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Standard Chartered Ultimate

Annual Fee

₹5,000

Rewards/₹100

₹3.75 - ₹6.25

Normalized to balance base rate with bonus categories

Interest Rate

41.40%

Credit Score

780+

At a Glance

Key Benefits

Standard card benefits

Lounge Access

0 domestic lounges/year

Eligibility

Any income level, CIBIL: 780+

Quick Details

Annual Fee
₹5,000 #266
Joining Fee
₹5,000 #263
Interest Rate
41.40% p.a. #82
Forex Markup
2.50% #63
Rewards/₹100
₹3.75 - ₹6.25 #30
Reward Type Reward Points
Reward Currency Miles
Domestic Lounge Visits
0/year
Min Credit Score
780+ #268
Min Monthly Income ₹NaN
Network VISA
forex_markup 2.50%
Fee Waiver on Spend ₹6,00,000/yr

Reward Structure

Base

All Spends

₹3.75 /₹100
Base

Travel

₹7.50 /₹100

Reward Calculator

Allocate by Category100%
Other Spends
10.0 pts
100%₹50,000
Your Rewards
Points Earned5,000
Cash Value₹3,750
Breakdown
Other Spends5,000
Total Value₹3,750
Quick amounts:

Milestone Benefits

Renewal Benefit

Annual fee waiver on Rs. 600000 annual spend

Spend ₹6,00,000 within 365 days

₹5,000

value

Airport Lounge Access

Domestic Free
0

visits

Priority Pass Free
0

visits

Insurance Coverage

Air Accident

₹1,50,00,000

Purchase Protection

₹5,00,000

Lifestyle Perks

Concierge

24x7 concierge service for travel, dining, and lifestyle bookings

Dining

4 /month

Special dining offers and discounts at partner restaurants

Golf

4 /quarter

Complimentary golf rounds at premium courses

Quick Analysis

SCs flagship premium card for frequent travelers seeking miles.

Pros

  • Excellent miles earning, unlimited lounge, travel benefits, golf

Cons

  • Invite-only, moderate forex markup

Best For

Premium travel, airline miles, international travel

Not Ideal For

Invite-only, higher fee

Frequently Asked Questions

What is the annual fee for Standard Chartered Ultimate?
The annual fee is Rs. 5000. The fee can be waived on spending Rs. 600000 annually.
What are the eligibility requirements for Standard Chartered Ultimate?
A good credit score of 780+ is recommended. Income requirements vary based on your relationship with the bank.
Does Standard Chartered Ultimate offer lounge access?
Yes, the card offers complimentary airport lounge access.
What rewards does Standard Chartered Ultimate offer?
The card offers reward value ranging from 2.50% to 5.00% depending on spend categories.
What is the forex markup on international transactions?
The forex markup is 2.50% on international transactions.
Which payment network does Standard Chartered Ultimate use?
The card is issued on the Visa network.

User Reviews

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