Standard Chartered Ultimate Credit Card
Standard Chartered India · Open to apply
A premium rewards card: 5 points per ₹150 with each point worth ₹1 (3.3%), 3 points on utilities, supermarkets, insurance and similar, 6,000 joining points, 5% duty-free cashback, 2% forex markup and four domestic lounge visits a quarter. ₹5,000 joining and annual fee.
- Annual fee
- ₹5,000 + GST a year
- Joining fee
- ₹5,000 + GST
- Base rate
- All other spends, 5 points per ₹150: 5 Reward points per ₹150 (about 3.33% at cash value)
- Lounges
- Domestic: 4 visits a calendar quarter; International: 1 visit a calendar month after ₹20,000 spend
- Forex markup
- 2%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No points on fuel
- No points on ATM and cash transactions
Where the sources disagree
- Forex markup: T&C section 6 names the "Beyond Credit Card" in its 2% forex text (a slip); the page, the MITC fee note and the fee table's footnote give 2% for the Ultimate card. We use 2%.
Terms the calculator does not value
- The 5% duty-free cashback (at most ₹1,000 a statement) is not entered as an earn rule because the spend model has no duty-free category (MCC 5309).
- The golf programme has no stated number of rounds on the page.
Sources
- Standard Chartered Ultimate Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- Standard Chartered credit cards Most Important Terms and Conditions (Rewards Credit Card version, with the fee table of March 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Standard Chartered Ultimate Credit Card Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)