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REWARD POINTS CARD

Ultimate Credit Card

Standard Chartered Bank

Earns 5 Reward Points per ₹150 spent (1 point = ₹1), with 5% cashback on duty-free spends, domestic and Priority Pass lounge access and a 2% forex markup.

Fuel earns no points; utilities, supermarkets, insurance, rent, schools and government earn 3 points per ₹150. ₹5,000 joining and renewal fee. International lounge visit needs ₹20,000 prior-month spend.

Ultimate Credit Card
ANNUAL FEE
₹5,000
JOINING FEE
₹5,000
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Earns 5 Reward Points per ₹150 spent, with 1 Reward Point equal to ₹1.
BEST FOR
Included: Cardholders who value lounge visits, duty-free cashback, golf privileges and a 2% forex markup.
Included: May suit frequent travellers who can meet the ₹20,000 prior-month spend for an international lounge visit.
Included: May suit overseas spends where a 2% forex markup applies, with 5% cashback at duty-free stores.
Included: May suit golf players, as the card offers complimentary access to premier golf courses in the country.
Limitation: Customers with high fuel, utility or supermarket spends may wish to compare other cards.
Limitation: Those low spenders may wish to compare other cards.
Limitation: Those fuel-heavy spends, which earn no reward points may wish to compare other cards.
Limitation: Those applicants outside the bank's card sourcing cities or outside age 21-65 may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: International Priority Pass visit: 1 per month, only if previous-month card spend exceeds ₹20,000.
Condition: Rental payments (MCC 6513) attract a 1% processing fee plus taxes, effective 2 Apr 2023.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
65

Fees & ownership

Joining fee
₹5,000
Annual / renewal fee
₹5,000
Fee waived at
Not stated
Forex markup
2%
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
4 visits per quarter — 4 visits per calendar quarter · Complimentary for all cardholders; Priority Pass use in domestic lounges is chargeable · ₹20,000 spend in the previous month
International airport lounge
1 visit per month — 1 visit per month (Priority Pass) · Priority Pass for primary and supplementary cards; USD 27 per visit, waived for 1 visit a month on prior-month spend above ₹20,000 · ₹20,000 spend in the previous month
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Priority Pass
EVERYDAY
Fuel
1% on fuel spends at all petrol pumps; capped at ₹1,000 per month
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Fuel transactions earn no reward points; rental payments carry a 1% processing fee.; Fuel (from 2 Apr 2023)
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Earns 5 Reward Points per ₹150 spent, with 1 Reward Point equal to ₹1.
Included: Complimentary Priority Pass membership for primary and supplementary cardholders; usage is chargeable.
Included: 5% cashback on duty-free store spends and a 1% fuel surcharge waiver.
Included: Lifetime free supplementary cards, Kuch Bhi on EMI for spends above ₹2,000, and complimentary golf privileges.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.