CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Standard Chartered

SC Ultimate Credit Card

73
Ranked #8 of 170 in credit
creditVisa/MastercardPremium

Standard Chartered's flagship premium credit card offering an unusually broad, uncapped 3.33% flat reward rate across most spending categories, strong golf privileges, and a low 2% forex markup — competitive with HDFC Infinia/Diners Black on raw reward rate, but weaker on lounge access.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value73/100 · weight 71%
≈ 3.33% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
No rewards on: utilities. Reward score is scaled by ×(1 − 0.5%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency63/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks85/100 · weight 9%

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
Waiver: No standard spend-based waiver; welcome bonus (6,000 pts = Rs6,000) offsets year-1 fee; renewal offset by 5,000 pts on payment
Forex markup
2%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
all_spendspoints3.33%(3.33 pts @ ₹1.00)—5 pts/Rs150 = 3.33%, uncapped, broad category coverage; 1pt=Rs1 flat value

Welcome offer

6,000 Reward Points (=Rs6,000) on joining fee payment + minimum Rs100 transaction within 30 days

Milestone benefits

Pros

  • Rare broad reward coverage across almost all categories (including utilities, insurance, education — usually excluded elsewhere) at a strong 3.33% flat rate
  • low 2% forex markup
  • unlimited golf (1 game + 1 lesson/month) at premier India courses
  • welcome bonus fully offsets year-1 fee

Cons

  • International lounge access capped at just 1/month AND conditional on prior-month spend — notably weaker than competing premium cards
  • no fuel surcharge waiver
  • no concierge service despite premium positioning
  • Rs99 redemption fee applies

What's inside

More benefits

  • Unlimited monthly golf

    ₹1,700

    1 complimentary golf game + 1 coaching session per month at premier India golf courses (20 in India, 150 worldwide via Mastercard variant)

    monthly.

  • Duty-free cashback

    5% cashback on airport duty-free purchases

    Cap ₹12,000 / monthly. Capped Rs1,000/statement cycle

Insurance cover

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₹NaN

Eligibility

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Age 21-65; min income Rs2L/month (salaried) or Rs24L p.a.; CIBIL 750+

Small print

Fuel surcharge:No fuel surcharge waiver per select.finology.in review