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Standard Chartered Ultimate Credit Card
Standard Chartered's flagship card offering 3.3% universal cashback on ALL spends with no category restrictions, unlimited Priority Pass lounge access, and comprehensive insurance.
Secure application on Standard Chartered's official site
"This card offers a balanced mix of rewards and benefits. Consider your spending patterns carefully - if you spend heavily in the card's bonus categories, it can deliver excellent value. Always compare with alternatives before applying."
Priya Sharma
Senior Financial Analyst
How to Apply for Standard Chartered Ultimate Credit Card
Is It Worth It? (Quick Math)
Worth the fee!
You gain ₹15,000 per year value after fees.
Check Eligibility
Get instant eligibility results in 10 seconds
This is an indicative check. Final approval depends on bank's assessment.
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Key Features
- 3.3% universal cashback — among best in India
- No cashback cap — unlimited earning potential
- Unlimited international airport lounge via Priority Pass
- Comprehensive travel and purchase protection insurance
Rating Overview
How we rate credit cards· See rating rubricEligibility Criteria
Age
21+ Years
Income
₹2.0L / year
Documents
Rewards Program
Standard Chartered Ultimate Credit Card Rewards
Earn 2 points per ₹150 spent. Redemption value: Variable
| Category | Reward Rate | Points / ₹150 | Est. Value | Cap |
|---|---|---|---|---|
| General Spends | 2 points/₹150 | 4 | ₹1 | Check T&C |
| AcceleratedBest | 5x - 10x points | 10 | ₹2.50 | Check T&C |
Annual Fee Break-even: Spend ₹3,00,000 in the best category to earn rewards equal to the ₹5,000 annual fee | ||||
Rate
2 points/₹150
Pts/₹150
4
Value
₹1
Rate
5x - 10x points
Pts/₹150
10
Value
₹2.50
Rewards Calculator
See if this card's rewards justify the annual fee
Benefits Breakdown
Core Benefits
- •3.3% universal cashback — among best in India
- •No cashback cap — unlimited earning potential
- •Unlimited international airport lounge via Priority Pass
- •Comprehensive travel and purchase protection insurance
Travel
- •Airport Lounge Access
- •Travel Insurance
Pros
- 3.3% universal cashback — among best in India
- No cashback cap — unlimited earning potential
- Unlimited international airport lounge via Priority Pass
- Comprehensive travel and purchase protection insurance
Cons
- Very high annual fee of ₹5,000 + GST
- Requires ₹24L annual income — limits accessibility
- SC bank digital experience can be inconsistent
- At ₹5,000 fee, competes directly with HDFC Infinia/Diners Black
Required Documents
Keep these documents ready before applying for Standard Chartered Ultimate Credit Card
Fees & Charges
| Fee Type | Amount |
|---|---|
Joining Fee First year fee | ₹5000 |
Annual Fee From second year onwards | ₹5000 |
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Frequently Asked Questions
What is the minimum salary for a credit card?
Most banks require a minimum monthly income of ₹15,000 to ₹25,000. For premium cards, the requirement can be ₹50,000+.
How to apply for a Lifetime Free (LTF) credit card?
You can apply for LTF cards directly through our platform. Popular options include Amazon Pay ICICI, IDFC First Millennia, and Dhanlaxmi Bank Platinum.
Can I get a credit card without income proof?
Yes, you can get a secured credit card (like IDFC First WOW) against a Fixed Deposit without showing income proof. This is great for students and homemakers.
Does checking my eligibility affect my credit score?
No. Checking eligibility on our platform is a 'Soft Inquiry' and does not impact your CIBIL score. Only when you submit a formal application to the bank, a 'Hard Inquiry' is done.
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Ready to upgrade your wallet?
Apply for the Standard Chartered Ultimate Credit Card today and start earning rewards on every spend.
● Secure application on Standard Chartered's official site