Standard Chartered
Standard Chartered Ultimate Credit Card
Best for travel, dining, lounge-access
₹5,000/yr annual fee · 5x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹5,000/yr
Reward rate
5x
Min. income
₹15,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹15 lakh/yr · CIBIL 750+
Reward cap
No explicit cap; categories earn reduced RP since Apr 2023
Welcome benefit
5,000 reward points on annual renewal
Who is this for
- Frequent traveller
- Food & dining spender
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- ₹5,000 non-waiver joining fee
- ₹1,000 late-payment fee
Issuer
Headquarters
Mumbai, Maharashtra
Established 1858
Website
www.sc.com/inFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹400 and ₹10,000 |
| Joining fee | ₹5,000 | Not waivable |
| Annual fee | ₹5,000 | No spend-based waiver |
| Forex markup | Not published | Not waivable |
| Late payment | ₹1,000 | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| TRAVEL | 5.00 | — | 0.30 |
| DINING | 5.00 | — | 0.30 |
| All spends | 5 Reward Points per ₹150 spent | No explicit cap; categories earn reduced RP since Apr 2023 | 1 RP = ₹1 (marketing); actual 1 RP ≈ ₹0.25 on catalogue vouchers per user reports |
Benefits
-
Domestic lounge access
16 per year (4 per quarter)
-
International lounge access Highlight
1 complimentary per month with Priority Pass (on ₹20,000+ previous month spend)
-
Milestone benefits Highlight
5,000 reward points on annual renewal
-
Fuel surcharge waiver
1% waiver on fuel transactions; max ₹1,000/month
Eligibility
- Age
- 21–65 years
- Min. income
- ₹15,00,000
- Min. credit score
- 750+
- Score note
- Excellent credit score
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, ITR, salary slips, bank statements
Standard Chartered Ultimate Credit Card is a VISA credit card from Standard Chartered. It is best suited for travel, dining, lounge-access.
Fees and rewards
- Annual fee: ₹5000
- Joining fee: ₹5000
- Rewards: 5x on travel & dining; 1x others
Eligibility
PAN, Aadhaar, ITR, salary slips, bank statements
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Step-by-step application guide: Read the Standard Chartered Ultimate Credit Card apply walkthrough →
Apply for Standard Chartered Ultimate Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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