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.
Jay Dodiya
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
Related card
Sc Ultimate
How to Apply for the Standard Chartered Ultimate Credit Card in 2026
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
Written by
Jay Dodiya
Editorial disclosure
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