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Last updated: 29 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
5 Points per ₹150
Flat 3.33% Reward Rate
The privileges that come bundled in, beyond the reward points.
Highest flat reward rate
Golf Access
An honest read on where this card earns its keep — and where it doesn't.
3.33% Flat Return
Simple
Limited redemption options
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Standard Chartered before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Standard Chartered Ultimate stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Standard Chartered Ultimate fees, reward conversion, lounge access, and application eligibility.
Standard Chartered Ultimate has an annual fee of ₹5,000 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "6000 Points".
Standard Chartered Ultimate earns Points at a primary rate of 5 Points per ₹150. Specifically, Flat 3.33% Reward Rate. Spends in Premium, Rewards categories provide the maximum valueback per transaction on this card.
A CIBIL credit score of 750 or above is strongly recommended for approval of Standard Chartered Ultimate. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Standard Chartered Ultimate is issued on the Visa or Mastercard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Standard Chartered Ultimate levies a forex markup fee of 2% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Standard Chartered Ultimate currently features a welcome offer: "6000 Points". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include 3.33% Flat Return and Simple. However, keep in mind that Limited redemption options. Overall, Standard Chartered Ultimate delivers strong value if your regular spending aligns with Premium, Rewards.
Standard Chartered Ultimate is focused on Premium and Rewards valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
You can apply for Standard Chartered Ultimate directly through Standard Chartered's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
