How to Apply for the Standard Chartered Ultimate Credit Card in 2026

title: "How to Apply for the Standard Chartered Ultimate Credit Card in 2026" slug: how-to-apply-for-sc-ultimate-credit-card excerpt: "Apply for the Standard Chartered Ultimate Credit Card with 5X reward points on every spend. Income thresholds, eligibility, and the application process." category: how-to-apply tags:

• standard-chartered
• ultimate
• premium
• lounge-access
• rewards relatedCards:
• sc-ultimate heroImage: /images/guides/sc-ultimate.svg publishedAt: "2026-06-18T16:57:29.762Z"

The Standard Chartered Ultimate Credit Card is a premium card with 5 reward points per ₹100 on all retail spends, 1% fuel surcharge waiver, 6 domestic + 4 international lounge visits per year, and a milestone voucher of ₹5,000 on spends of ₹5 lakh in a year. The annual fee is ₹5,000, waived on ₹4 lakh spends.

Why this matters

SC Ultimate is the most rewarding Standard Chartered card in India. The 5 reward points per ₹100 on all categories is competitive with the best cards. The 6+4 lounge visits cover most moderate travellers. The card is open to non-Stanchart customers.

Related cards

How to Apply for the Standard Chartered Ultimate Credit Card in 2026

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    <h4 class="mb-1 text-base font-semibold text-ink">Check Ultimate eligibility</h4>
    <p class="text-sm leading-relaxed text-ink-muted">You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹50,000 for salaried. CIBIL score of 750+ is preferred.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Apply online via Standard Chartered website</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Visit sc.com/in → Cards → Credit Cards → Ultimate. Click Apply Now. The form is pre-filled if you are an existing Standard Chartered customer.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete the application</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Provide your personal details, employment information, monthly income, and existing credit relationships. Choose the Ultimate variant and number of supplementary cards.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete Aadhaar eKYC</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Upload income documents</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Upload the latest 3 months&#39; salary slips, last 6 months&#39; bank statement, and Form 16. Self-employed applicants must upload 2 years&#39; ITR with computation and business proof.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Submit and track</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Submit the form. The 12-digit application reference is shown. Track status in the Standard Chartered app. Approval takes 7–10 working days.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Pay the joining fee and receive the card</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Once approved, Standard Chartered will charge ₹5,000 + GST as the joining fee. The card is delivered within 5 working days. Activate via IVR, Standard Chartered app, or at any Standard Chartered ATM.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use the card for all spends to maximise 5X</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Use the card for all retail spends to earn 5 reward points per ₹100. The 5X is uncapped — no monthly cap.</p>
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Common mistakes to avoid

The 5X is uncapped but excluded from fuel, EMI, and cash advances. The 6+4 lounge visits are via Dreamfolks — register before your first travel.

Pro tips

• Use Ultimate as your default card for all retail spends to maximise 5X
• Register on Dreamfolks and link the card before your first trip
• Plan to spend ₹4 lakh to waive the ₹5,000 annual fee
• Pair with Standard Chartered Manhattan for groceries and utility

Frequently asked questions

What is the annual fee on SC Ultimate?

₹5,000 + GST, waived on ₹4 lakh spends in the previous 12 months.

How many lounge visits are included?

6 domestic + 4 international per year via Dreamfolks.

Does the 5X apply to fuel?

No. The 5X is excluded from fuel, EMI, and cash advances.