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STANDARD CHARTERED BANK LTD
Standard Chartered Ultimate Credit Card
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Verified Catalog
Source: STANDARD CHARTERED BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Premium credit card offering high reward rate on all spends with travel benefits including lounge access, golf privileges, and comprehensive insurance coverage
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
5 reward points on every ₹150 spent with 1:1 redemption ratio (1 reward point = ₹1)
Highlight 2
5% cashback up to ₹1,000 on duty-free spends
Highlight 3
6,000 reward points on joining & 5,000 reward points on renewal
Highlight 4
Low forex markup fee of 2% (effective August 25, 2024)
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹5,000
The front-loaded charge when you apply.
Annual fee
₹5,000
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹5,000100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary airport lounge access included with card membership.
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"Cashpoints redeemable against flight and hotel bookings"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Income proof ₹6L+"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Great value for train travelers with railway lounge access and higher rewards on IRCTC bookings; annual fee easily recoverable through benefits"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: Welcome Benefit (NeuCoins on completing first transaction) worth ₹1,499
- RP to Rupees: 1 Point = ₹0.25
- Accelerated Rewards Program: 5% Fuel Points on grocery shopping and bill payments (max 100 Fuel Points per month on each category)
- 5% of spends with IOCL card (max 250 Fuel Points per month for first six months, then 150 per month)
Cons
- Base Rate: Not specified
- Movie/Entertainment: Health webinars
- Dining: 10% Zomato discount
- Waive off condition: ₹50k spend/year
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