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

Apply for the Standard Chartered Ultimate Credit Card with 5X reward points on every spend. Income thresholds, eligibility, and the application process.

FinWiz24 Editorial

Published 6 April 2026

Updated 18 June 2026

3 min read

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

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.

Card: sc-ultimate View Card

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

How to

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

Apply for the Standard Chartered Ultimate Credit Card with 5X reward points on every spend. Income thresholds, eligibility, and the application process.

Time: 15mCost: ₹5,000 (joining fee)

What you'll need

PAN
Aadhaar
salary slips
bank statement
Form 16

1
Check Ultimate eligibility
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.
2
Apply online via Standard Chartered website
Visit sc.com/in → Cards → Credit Cards → Ultimate. Click Apply Now. The form is pre-filled if you are an existing Standard Chartered customer.
3
Complete the application
Provide your personal details, employment information, monthly income, and existing credit relationships. Choose the Ultimate variant and number of supplementary cards.
4
Complete Aadhaar eKYC
Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
5
Upload income documents
Upload the latest 3 months' salary slips, last 6 months' bank statement, and Form 16. Self-employed applicants must upload 2 years' ITR with computation and business proof.
6
Submit and track
Submit the form. The 12-digit application reference is shown. Track status in the Standard Chartered app. Approval takes 7–10 working days.
7
Pay the joining fee and receive the card
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.
8
Use the card for all spends to maximise 5X
Use the card for all retail spends to earn 5 reward points per ₹100. The 5X is uncapped — no monthly cap.

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.

Material Connection: Some of the links in this content may be affiliate links, meaning we may earn a commission at no extra cost to you if you apply through our links.

Written by FinWiz24 Editorial

Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.