Standard Chartered Ultimate Credit Card

  • Joining Fee: Rs. 5,000
  • Renewal Fee: Rs. 5,000
  • Best Suited For: Travel | Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: 6,000 Rewards redeemable for shopping vouchers or charity spends under the Standard Chartered 360° rewards program.
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Standard Chartered launched its Ultimate credit card in September 2017. It is the most premium card issued by the bank as of now. It should be the card of choice for individuals with a high income who want to enjoy an elite lifestyle without compromising with their lavish needs. This card is in direct competition with ICICI Bank Sapphiro credit card and HDFC Bank Infinia credit card Metal Edition. Earlier, the card was being offered in two variants- the Visa Infinite variant and MasterCard World variant; the former has now been discontinued, though. Since it’s a premium card, Standard Chartered offers some exclusive benefits to its customers, like, golf services, Priority Pass membership, etc; with this card. Considering all the international travel requirements of its customers in mind, Standard Chartered has also kept the foreign currency exchange rate at 2% (lower than the average fee of 3.5%) and offers 5% cashback on duty-free purchases at airports. As it is a Reward Points-based credit card, you get 5 Rewards on every Rs. 150 spent using this card, which can be redeemed against shopping vouchers or charity spends under the Standard Chartered 360° rewards program.

New Features

Spend Based Waiver


Interest Rates

3.75% every month or 45% annually

Add-on Card Fee


Rewards Redemption Fee

Rs. 99

Fuel Surcharge

1% fuel surcharge waiver is applicable. Maximum Rs. 1,000 each month.

Foreign Currency Markup

2% (3.5% charged at the time of transaction and 1.5% cashback within 60 days)

Cash Advance Charges

3% of the transacted amount, subject to a minimum fee of Rs. 300

Movie & Dining



Complimentary Priority Pass membership with free domestic and international lounge access, and 5% cashback on all duty-free purchases at airports.

International Lounge Access

1 complimentary lounge visits per month with the Priority Pass membership.

Rewards Rate

5 Reward Points on every retail purchase of Rs. 150


1 complimentary golf game per month, and 1 free golf coaching session each month.

Insurance Benefits

Air accidental insurance cover worth Rs. 1 crore, and several travel insurance covers.

Reward Redemption

The earned Rewards are redeemable on the SC online portal under the Standard Chartered 360° rewards program. 1 Reward Point = Re. 1.

Domestic Lounge Access

16 domestic lounge access per year (4 every quarter)

Zero Liability Protection

Cardholder won’t be liable for any fraudulent transaction made on their lost/stolen card once the loss of card is reported to the bank.


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