All cards / Standard Chartered
Standard Chartered Ultimate
A high flat reward rate (5 points per ₹150, no accelerated category needed) makes this a strong super-premium card — note lounge access is generous but not literally unlimited (4 domestic/quarter, 1 international/month with a spend condition), and there's no published annual fee waiver. Golfers get a genuine recurring perk too: one complimentary game and one coaching session at domestic courses every month, on top of a 24-hour concierge desk, which pushes the card's lifestyle value beyond the headline reward rate.
Annual fee
₹5,000
Joining fee
₹5,000
Reward type
points
Base reward rate
3.33%
Card network
Mastercard
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 770+ whose spend is concentrated in travel. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Movie & dining: Discounts and privileges via Standard Chartered's Good Life Programme dining partners
- Rewards rate: 3.33% base rate
- Travel: 24-hour concierge desk for travel, dining, and lifestyle bookings
- Domestic lounge access: 4 complimentary domestic lounge visits per quarter via Visa/Mastercard lounge programme
- International lounge access: 1 complimentary Priority Pass international lounge visit per month, conditional on minimum ₹20,000 spend in the previous month
- Golf: 1 complimentary golf game and 1 coaching session per month at select domestic courses
- Insurance benefits: ₹1 crore air accident cover; USD 25,000 overseas medical treatment insurance
Benefits by category
- 🍽️ Dining & food delivery
24-hour concierge desk for travel, dining, and lifestyle bookings
- ✈️ Travel
4 domestic lounge visits/quarter + 1 international Priority Pass visit/month (min. ₹20,000 spend previous month)
- 🛡️ Insurance
₹1 crore air accident cover + $25,000 medical travel insurance
- 🧾 Utilities
2% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 770
- Minimum monthly income: ₹1,50,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Rewards redemption fee: No redemption fee for statement credit; points redeemed as vouchers/merchandise per catalogue value
- Foreign currency markup: 2%
- Interest rate: 41.88% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher
Benefits
- 4 domestic lounge visits/quarter + 1 international Priority Pass visit/month (min. ₹20,000 spend previous month)
- ₹1 crore air accident cover + $25,000 medical travel insurance
- 6,000 reward points (₹6,000 value) on joining fee payment
- 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
- 24-hour concierge desk for travel, dining, and lifestyle bookings
Pros
- + High flat reward rate on everything
- + Strong lounge access + Priority Pass
- + Low forex markup
- + Monthly complimentary golf game and coaching session at domestic courses
Cons
- − High fee with no published spend-based waiver
- − International lounge visit requires prior-month spend
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