Unlimited complimentary domestic and international lounge access via Priority Pass for the primary cardholder.
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⚖ Add to comparisonStandard Chartered Bank · Visa
Standard Chartered Ultimate Credit Card
The Ultimate's appeal is its simplicity: a flat ~3.3% reward value (5 points per Rs.150, 1 point = Re.1) across almost everything, which beats most premium cards that bury value in category bonuses. Add unlimited domestic and international Priority Pass lounge access and it's a clean premium daily driver. The Rs.5,000 fee isn't easily waived, so it only makes sense above roughly Rs.2 lakh annual spend where the flat rate compounds. The 3.5% forex markup (as of 2026) undercuts its international pitch, and co-brand perks are thinner than rivals. Skip it if you'd rather chase transferable miles. Verify rates on sc.com/in.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Earn 5 reward points for every Rs.150 on retail spending (1 point equals Re.1)
- ✓Reward value works out to a flat 3.3% or so across categories
- ✓Insurance and utility spending earns reward points too
- ✓Get 5% cashback on duty-free spending up to a cap
- ✓Reward points can be redeemed as statement credit
👍 Pros
- + Flat reward rate is excellent with few exclusions
- + Lounge access is unlimited at domestic and international airports
- + One point equals one rupee, so value is easy to read
- + A strong everyday card at the premium level
👎 Cons
- – The annual fee is not easy to get waived
- – Forex markup is high for a card marketed as international-friendly
- – Co-brand perks are fewer than on rival cards
Can you get it?
- ▸Indian resident, either salaried or self-employed
- ▸A CIBIL score of 750 or higher is recommended
- ▸Income that meets Standard Chartered's premium criteria
- ▸Valid PAN along with KYC documents
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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