CardIQIndia
Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.
39
#50 of 173 in credit
Standard Chartered

Standard Chartered Ultimate Credit Card

creditVisasuper-premiumProvisional score

Flagship product granting an unconditional 3.3% flat reward rate flawlessly.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value28/100 · weight 65%
≈ 1.25% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency41/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks67/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹5,000 + 18% GST
= ₹5,900 total
Annual fee
₹5,000 + 18% GST
= ₹5,900 / year total
Forex markup
2%

Lounge access

Domestic (per year)
16
International (per year)
12

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
all_spendspoints1.25%(5 pts @ ₹0.25)—5 Reward points per Rs 150 spent identically across essentially every category (1 Reward Point = 1 Re)
travelpoints0.00%(0 pts @ ₹0.25)—Reduced forex and prominent travel insurance coverages