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.
Rates and fees last verified 19 July 2026.
Annual fee
₹5,000
Joining fee
₹5,000
Reward type
points
Base reward rate
3.33%
Card network
Visa
Card tier
Super-premium
Reward rates by category
- Utilities2%
Eligibility
- Minimum credit score: 770
- Minimum monthly income: ₹1,50,000
- Employment: salaried, self-employed
- Age: 21–65
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
Pros
- + High flat reward rate on everything
- + Strong lounge access + Priority Pass
- + Low forex markup
Cons
- − High fee with no published spend-based waiver
- − International lounge visit requires prior-month spend
Applying takes you to Standard Chartered's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.