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Standard Chartered Bank
Methodology: max documented redemption × 0.70 friction discount · Last reviewed: 2026-05-23
SCB 360 Rewards catalogue + Marriott Bonvoy redemption (~₹0.35/point on Ultimate)
Statement credit at ₹0.15/point
Methodology note: Ultimate Credit Card retains strong reward earning + redemption flex; 360 Rewards catalogue narrower than HDFC SmartBuy.