Standard Chartered Ultimate Credit Card: Fees, Rewards & Benefits
Rewards card with lounge access
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The SC Ultimate is a super-premium card with a flat ~3.3% reward rate, generous lounge access (16 domestic, 12 international) and a low 2% forex markup. The INR 5,000 joining and INR 5,000 annual fees with no waiver mean it pays off best for heavy spenders and frequent travellers.
Rewards card with lounge access
The Bottom Line
The Ultimate Credit Card is built for premium rewards maximiser and frequent international traveller. With a ₹5,000 annual fee, it offers 5% rewards on shopping and 6,000 bonus points. It makes the most sense if your spending matches premium rewards maximiser and frequent international traveller.
It earns a base reward rate of 3.3333333333333335% and stacks best when your spending lines up with Premium Rewards Maximiser, Frequent International Traveller.
Who Should Get This Card
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Best fit for
IdealHigh spenders who want a flat ~3.3% return at full value across most categories and travel enough to use 16 domestic + 12 international lounge visits.
Those who value the low 2% forex markup, INR 1 crore air accident cover and overseas medical insurance.
Probably not for
SkipThe INR 5,000 + INR 5,000 fees with no waiver require heavy spending to break even.
Spends skewed to utilities, insurance, rent and supermarkets earn only the reduced ~2%.
Is It Worth It For You?
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Reward Rates
Ultimate Credit Card offers 3.3333333333333335% basic reward rate.
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Welcome Offer
Fees & Charges
Eligibility
- Min Income: ₹24 Lakhs
- Min Credit Score: 750
- Salaried/self-employed age 21-65; min annual income ~Rs 24 lakh; premium travel card with golf, lounge, 5% duty-free cashback.
Exclusions & Terms
Forex markup
- Foreign currency markup
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹5,000 annual fee. Apply on the Standard Chartered website.
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