Card Details
Standard Chartered Ultimate Credit Card
Card Issuer
Standard Chartered Bank
Joining Fee
₹5,000
Annual Fee
₹5,000
Reward Type
Reward Points
Card Access
Standard
Earn Points
5 pts/₹150
Reward points on retail purchases (1 RP = ₹1)
3 pts/₹150
Utilities, supermarkets, insurance, property, schools, government & rentals
5%
Cashback on duty-free airport purchases
5%
Cashback on duty-free spends
Benefits
5 RP/₹150 on most retail spends
- High base reward rate
- 5 RP per ₹150 on retail spends
- 1 RP equals ₹1 on redemption
- Utilities, supermarkets, insurance, property management, schools, government and rental spends earn 3 RP/₹150
Priority Pass with domestic & international…
- Comprehensive lounge access
- 4 domestic lounge visits every quarter
- 1 international lounge visit per month with Priority Pass
- International visit needs ₹20,000 spend in the previous month
Monthly complimentary golf game & lesson
Air accident cover ₹1 crore
What Users Are Saying
Community Feed
Jul 2024
“Standard chartered ultimate”
by r/CreditCardsIndia, Jul 2024
“Is SC Ultimate Card worth it?”
by r/CreditCardsIndia, Jul 2024
“Planning to replace my standard chartered ultimate. Need”
by r/CreditCardsIndia, Aug 2025
“Is Standard Chartered Ultimate worth it for Government”
by r/CreditCardsIndia, Jul 2024
“Standard Chartered Ultimate Credit Card vs Smart”
by r/IndianCreditCards, Jul 2025
Frequently Asked Questions
The Standard Chartered Ultimate Credit Card charges ₹5,000 plus GST as a joining fee and the same ₹5,000 again at renewal. Standard Chartered waives the renewal fee if you spend ₹4L in the previous year, which is about ₹33,333 a month. If your card spend sits below that, treat ₹5,000 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
Duty-free cashback capped at ₹1,000 per month
Priority Pass international lounge visit requires ₹20,000 spend in the previous month
Utilities, supermarkets, insurance, property management, schools, government and rental payments earn only 3 RP/₹150
Rent processing fee of 1% + taxes on MCC 6513 effective 2 Apr 2023
International lounge benefit is conditional on previous month spend threshold
