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Standard Chartered Ultimate
90/100
Standard Chartered
A veteran high-reward powerhouse with flat 3.3% return across everything.
Credwiser Score 90/100

Standard Chartered Ultimate

Standard Chartered • A veteran high-reward powerhouse with flat 3.3% return across everything.

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Standard Chartered Ultimate provides an uncapped 3.3% reward rate (5 points per ₹150, where 1 point = ₹1 on flight portal) on virtually every transaction including tax, utilities, and insurance.

Annual Fee (+ 18% GST)₹5,000 (₹5,900 incl. GST)
Fee WaiverNon-waivable annual fee
Joining Perk6,000 Reward Points (Worth ₹6,000 on travel portal)
Primary Reward3.3% Flat Reward Rate on all retail spends (5 RP per ₹150)
Airport Lounge Access4 Domestic + 4 International visits per quarter via Priority Pass
Forex Markup2.0% + 18% GST
RuPay UPINo
Best ForBig offline and online spenders looking for flat 3.3% return across all categories

What We Like

  • Flat 3.3% return across almost all retail categories
  • 1 Reward Point = ₹1 on flight and hotel booking portal
  • Extensive lounge access with Priority Pass

Watch Out

  • Duty free and fuel spends have specific exclusions
  • StanC online portal tech feels dated compared to HDFC or Axis

MITC & Hidden Charges

Annual fee ₹5,000 + 18% GST. Surcharge waiver 1% on fuel transactions.

Standard Chartered Ultimate FAQs

What is the point value of Standard Chartered Ultimate?

1 Reward Point = ₹1 when redeemed against flight and hotel tickets on the StanC travel portal.

Alternatives to Consider

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98/100
HDFC Bank
The undisputed monarch of Indian super-premium credit cards.
Annual Fee₹12,500 + GST
Reward3.3% Base to 33.3% via SmartBuy Portal
LoungeUnlimited Domestic & International visits (Priority Pass with free guest access)
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Axis Bank Atlas Credit Card
96/100
Axis Bank
The premier choice for direct airline and hotel spend optimization.
Annual Fee₹5,000 + GST
Reward5 EDGE Miles per ₹100 on direct Airlines & Hotels
LoungeUp to 12 Domestic + 6 International visits per year (Tier-based: Silver, Gold, Platinum)
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