Standard Chartered Ultimate Credit Card
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 2.22% on duty free spends in the form of cashback.
Cardholders get 4 quarterly domestic + 4 annual international airport lounge access, plus reward points worth ₹6,000 as a welcome benefit.
- Joining Fee₹5,000
- Annual Fee₹5,000
- Best Suited ForCashback
- Reward TypeCashback
- 2.22% on duty free
- Base 3.33% on other spends
- Reward Points worth ₹6,000
SCBworld elitesuper premiumRewards and Benefits
- air accident: ₹1,00,00,000
- travel medical: ₹45,00,000
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 3.3% = ₹500/mo
- Groceries₹8,000 · 3.3% = ₹267/mo
- Dining & food delivery₹8,000 · 3.3% = ₹267/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 3.3% = ₹333/mo
- Utilities & bills₹5,000 · 0.0% = ₹0/mo
₹16,400 rewards − ₹5,000 annual fee. Estimate for the spend you entered.
Fees & Charges
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 (4/quarterly) + international (4/annual).
- Insurance cover bundled: air accident, travel medical.
Pros & Cons
- 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.
- High annual fee of ₹5,000.
- No annual-fee waiver option.
- No rewards on fuel spends.
₹6,000 welcome benefit
- Reward Points worth ₹6,000Joining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 2.22% on duty freeFlat 5 RP per ₹150 on all spends (= 3.33% at 1 RP = ₹1). Additional cashback on duty-free spends; reduced 2% foreign-currency markup.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- utilities
Airport lounge access
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.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 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.