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Standard Chartered Ultimate Credit Card

Name: Standard Chartered Ultimate Credit Card
Brand: Standard Chartered
Price: 5000 INR

Standard Chartered

8.7

CardTrail Score

Very Good

out of 10

💰 Net Value

8.4

🔓 Accessibility

5.6

⚡ Feature Depth

5.8

🏦 Bank Trust

7.0

How we score →

Compare This Card Full Details

Annual Fee

₹5,000

Spend ₹5L/year

Forex Markup

3.5%

Reward Rate

3.3%

Up to 3.3%

Lounge Access

domestic | 4 intl

About This Card

Standard Chartered Ultimate offers a rare flat 3.3% reward rate on ALL spends — no categories, no restrictions. This simplicity is its biggest selling point. If you hate optimizing categories and just want consistent returns, this is your card. The 3.5% forex markup is its Achilles heel.

Pros & Cons

Pros

3.3% flat rate on everything — no categories to optimize
Points worth ₹1 on flights
Good lounge access
Simple earn structure

Cons

3.5% forex markup kills travel value
₹5K fee, ₹5L waiver
SC's reward portal is clunky
Less brand presence than HDFC/Axis

Fee Details

Annual Fee

₹5,000

Joining Fee

₹5,000

Fee Waiver Condition

Spend ₹5L/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

3.3%

Max Rate

3.3%

Currency

Reward Points

Welcome Bonus

5,000 Reward Points

Lounge Access

Domestic Lounges

per quarter

International Lounges

per quarter

Key Highlights

+ 3.3% reward rate on ALL spends — no category restriction
+ 1 RP = ₹1 when redeemed for flights
+ 8+4 lounge visits/quarter

Compare With...

See how Standard Chartered Ultimate Credit Card stacks up against top alternatives

HDFC Diners Club Black

HDFC

9.4

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HDFC Diners Club Metal Edition

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