Standard Chartered Ultimate Credit Card
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Flat ~3.3% value-back card with a 2% forex markup, 5% cashback on duty-free and domestic plus Priority Pass lounge access.
- Welcome offer
- 6,000 reward points (worth ₹6,000) on paying the joining fee
- Annual fee
- ₹5,900 a year incl. GST (₹5,000 + GST); no spend waiver found
- Rewards rate
- 5 reward points per ₹150 (1 point = ₹1, about 3.3%)
- Regular APR
- Interest is charged monthly; see the bank's fees page
- Recommended CIBIL score
- CIBIL 700+
- Forex markup
- 2% (+ GST)
- Airport lounges
- Domestic lounges; Priority Pass (international). 4 domestic a quarter; 1 international a month if you spent ₹20,000 in the previous month.
- Points go to
- Standard Chartered 360° Rewards. Standard Chartered India reward points, redeemed for vouchers, travel and statement credit; value depends on card (₹1 on Ultimate/Beyond, ₹0.25 on EaseMyTrip).
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