Standard Chartered Ultimate Credit Card
Updated 15 Apr 2026Source-linked
The Standard Chartered Ultimate Credit Card is a super premium credit card from Standard Chartered Bank, with a joining fee of ₹5,000 + GST.
It earns up to 3.33% back on forex spend spends in the form of cashback.
Cardholders get 1 quarterly domestic + 4 annual international airport lounge access.
Standard Chartered Ultimate Credit Card
- Joining Fee₹5,000
- Annual Fee₹5,000
- Best Suited ForCashback
- Reward TypeCashback
Rewards Rate
- 3.33% on forex spend
- Base 3.33% on other spends
Welcome Benefits
- Not applicable
SCBworld elitesuper premiumRewards and Benefits
Rewards Rate
3.33% on forex spend
Base 3.33% on other spends.
Reward Redemption
Redeem at ₹1 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
1 visit each quarterly.
International Lounge Access
4 visits each annual.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
N/A
Golf
1 round(s) / monthly.
Insurance Benefits
- air accident: ₹1,00,00,000
- travel medical: ₹45,00,000
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.00%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- super premium card issued by Standard Chartered Bank.
- Joining / annual fee of ₹5,000 + GST.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (1/quarterly) + international (4/annual).
- Insurance cover bundled: air accident, travel medical.
Pros & Cons
Pros
- Strong base reward rate of 3.33%.
- Low forex markup of 2.00% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
Cons
- High annual fee of ₹5,000.
- No annual-fee waiver option.
- No rewards on fuel spends.
Accelerated rewards
- 3.33% on forex spendEffectively 3.33% cashback on forex after the 2% markup (5 points per ₹150, unit value ₹1).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- utilities
Airport lounge access
Domestic
1 visit(s) / quarterly. Via mastercard.
International
4 visit(s) / annual. Via priority-pass.
Insurance benefits
- air accident: ₹1,00,00,000
- travel medical: ₹45,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000.
Sources
- : www.sc.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹21,00,000 p.a.
- Income (self-employed)
- ₹21,00,000 p.a.