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.

Sc Ultimate

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

How to apply Total time: 15 min · Estimated cost: ₹5,000 (joining fee) · You’ll need: PAN, Aadhaar, salary slips, bank statement, Form 16

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

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.
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.
Complete the application — Provide your personal details, employment information, monthly income, and existing credit relationships. Choose the Ultimate variant and number of supplementary cards.
Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
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.
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.
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.
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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

Standard credit cards — product page (verified 5 September 2026).
Reserve Bank of India — Master Direction on Credit Card and Debit Card Issuance (verified 5 September 2026).

Airport lounge access in India — networks, benefits, cards — Priority Pass, Visa Infinite, Mastercard World, and Amex Centurion coverage at Indian airports
Hidden caps on credit-card rewards — what issuers don’t shout about — monthly and quarterly caps that quietly throttle otherwise-high reward rates
How rewards programmes are designed (and what that means for you) — the rule of 1% interchange and why issuers gate rewards behind caps
Tax on credit-card rewards in India — what gets reported — when reward redemptions cross into taxable territory