Standard Chartered Ultimate
by Standard Chartered · Data verified 2 days ago
Ultra-premium card with 3.3% rewards rate and unlimited lounges
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- High 3.33% base reward rate (5 Reward Points per ₹150 spent; 1 RP = ₹1)
- 4 complimentary domestic airport lounge visits per quarter (16 visits/year)
- 1 complimentary international lounge visit per month via Priority Pass (12 visits/year)
- Reduced 2.0% forex markup on international transactions
- 5,000 Reward Points on renewal fee payment (worth ₹5,000, offsetting renewal cost)
- 1 complimentary golf game and 1 coaching session per month
- 5% cashback on duty-free spends (up to ₹1,000/month)
- Air accident cover of $200,000 (~₹1.65 Cr) and travel medical cover up to $25,000
Things to Consider
- No spend-based annual fee waiver (₹5,000 + GST every year)
- Lounge visits require minimum ₹20,000 spend in previous billing cycle
- International lounge visits limited to 1 visit per month via Priority Pass
- Golf access requires minimum ₹20,000 monthly spend
- Reward points redemption attracts standard redemption fee
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Shopping | 5 pts/₹100 | 5 RP per ₹150 |
| Dining | 5 pts/₹100 | 5 RP per ₹150 |
| Travel | 5 pts/₹100 | 5 RP per ₹150 |
| Fuel | — | Fuel surcharge waiver |
Domestic Lounges
16 per year
Int'l Lounges
12 per year
Travel Insurance
₹50L cover
Golf Benefits
Complimentary
Concierge
24/7 assistance
Fuel Savings
₹1,000/mo
Lost Card Cover
₹0
Dining
- •Up to 25% discount at 750+ restaurants via concierge
Shopping
- •5% cashback on purchases
- •5X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •4 complimentary domestic airport lounge visits per quarter (16 visits/year)
- •1 complimentary international lounge visit per month via Priority Pass outside India (12 visits/year)
- •1 complimentary golf game and 1 coaching session per month at 20+ courses in India and 150+ worldwide (min ₹20,000 monthly spend)
- •Air Accident Cover: $200,000 (~₹1.65 Crore)
- •Medical Travel Insurance: up to $25,000 (~₹20 Lakh)
- •5% cashback on duty-free transactions (capped at ₹1,000 per month)
Partner Benefits
- •Avis: up to 35% off on car rentals
- •Hertz: up to 25% upgrade
- •yQ: 25% off on fast track services
Special Offers & Features
- •5% cashback on duty-free spends (max ₹1,000/month)
- •Supplementary card with Priority Pass available
EMI Options
- •EMI conversion on purchases above Rs.5,000
- •Tenure: 3, 6, 9, 12 months
- •Interest rate: 12-22% p.a.
Reward Transfer Partners
Singapore Airlines
Air India
Marriott Bonvoy
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to Standard Chartered's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on Standard Chartered Ultimate
SC Ultimate Credit Card: ₹6,000 Welcome Bonus + ₹5,000 Renewal Bonus
Standard Chartered Ultimate offers 6,000 bonus points (₹6,000 value) on activation plus 5,000 bonus points on renewal. Ongoing 3.33% effective reward rate (5 RP per ₹150, 1 RP = ₹1).
Ongoing card benefit. 6,000 welcome points on activation (₹50K spend in 60 days). 5,000 renewal points. 5 RP per ₹150 (1 RP = ₹1). Fee ₹5,000+GST.
SC Ultimate Credit Card: 12 Golf Rounds + Priority Pass Lounge Access
Standard Chartered Ultimate includes complimentary Priority Pass membership, 4 domestic lounge visits per quarter, and up to 12 complimentary golf rounds annually.
Ongoing card benefit. Priority Pass membership included. 4 domestic lounge visits/quarter. International lounge on ₹20K monthly spend. 12 golf rounds/year.
MakeMyTrip
Explore the world with Standard Chartered Credit Cards. Enjoy a flat 10% instant discount up to ₹5,000 on international flights on MakeMyTrip using promo code MMTSCB.
Step 2: Select international flights with minimum booking amount ₹25,000.
Step 3: Apply promo code MMTSCB on payment page.
Step 4: Pay using Standard Chartered Credit Card to get up to ₹5,000 instant discount.
Valid on international flight bookings originating from India. Minimum spend of ₹25,000 required. Maximum discount capped at ₹5,000 per booking. Valid once per cardholder per calendar quarter.
Swiggy
Order delicious cuisines with Standard Chartered Credit Cards on Swiggy. Enjoy flat ₹100 off on food delivery orders of ₹499 and above.
Step 2: Enter promo code SCFOOD100 on checkout.
Step 3: Pay using Standard Chartered Credit Card.
Step 4: Receive flat ₹100 instant discount immediately.
Minimum order value of ₹499 excluding taxes and packaging. Valid twice per cardholder per month. Applicable on food delivery orders only.
Croma
Upgrade your electronics with Standard Chartered Credit Cards at Croma. Get up to ₹4,000 instant discount on premium tech, home appliances, and audio gear.
Step 2: Select electronic items worth ₹20,000 or more.
Step 3: Choose Standard Chartered Bank offer at payment stage.
Step 4: Receive up to ₹4,000 instant discount on full swipe or EMI.
Valid on select electronic products. Minimum spend of ₹20,000 required. Valid on Full Swipe and EMI transactions. Limit of 1 transaction per card per month.
Frequently Asked Questions
Everything you need to know about Standard Chartered Ultimate
- • Min age: 21 years
- • Salaried: ₹75,000/month min
- • Self-employed: ₹100,000/month min
- • CIBIL: 750+ recommended
- ✓ Domestic: 16 per year
- ✓ International: 12 per year
- → 4 complimentary domestic airport lounge visits per calendar quarter using the Ultimate Card directly, subject to minimum ₹20,000 spend in previous billing cycle.
- → 1 complimentary international lounge visit per month outside India via complimentary Priority Pass membership, subject to minimum ₹20,000 spend on the card in previous month.
- • Instant: Pre-approved Standard Chartered customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for Standard Chartered Ultimate today and unlock amazing rewards and premium experiences.
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