Standard Chartered Ultimate credit card
Standard CharteredVisaSuper-premium

Ultimate credit card

3.3% flat value with ₹1 points, unlimited domestic lounges and golf.

47
Personal score47/100● Good fit
Recurring net savings₹2,947/yrafter fee, GST and caps · bills paid in full
First-year value₹8,947incl. ₹6,000 welcome, ₹5,900 joining fee
Effective savings rate0.9%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)You pay ₹5,900never waived
Lounge access✈∞ domyou can use 2 of your visits
PersonaliseOfficial page ↗

Source: Standard Chartered – Ultimate product page · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹8,007/yrBase rate 3.3% on other spends
−₹5,900Fee you pay
2/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! You pay the ₹5,900 annual fee (incl. GST) – waiver needs a fee-based renewal, it is never waived.

Where the money comes from

₹2,947/yr · 0.9%
Base rate 3.3% on other spendson ₹2,42,640₹8,007
Utilities & insurance (reduced)on ₹48,000₹480
Excluded categories (no rewards)on ₹36,000₹0
Fuel surcharge waiver₹360
Renewal fee incl. GSTyou pay it−₹5,900

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 47 is built

weights total 100% · methodology
Net savings rate15/100 × 55%8.3
Usable lounge access100/100 × 15%15.0
Redemption flexibility80/100 × 10%8.0
Lifestyle fit100/100 × 10%10.0
Simplicity60/100 × 5%3.0
Fee safety45/100 × 5%2.3

Airport lounges with this card

Open Lounge Finder →
42airports in India
50lounges you can enter
Unlimiteddomestic
Noneinternational

How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 4 lounges
  • ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
  • ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
  • ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
  • ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
  • ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
  • ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
  • ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
  • ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
  • ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
  • ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
  • ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
  • ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
  • ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
  • ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
  • ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
  • ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
  • ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

+ 30 more airports in the Lounge Finder.

Card facts

💳 Base earn3.3%value on eligible spend
⚡ Accelerated1% Utilities & insurance
🚫 No rewards onfuelrent
🏷️ Fees₹5,900/yr incl. GSTnot spend-waivable
🎁 Welcome (year 1)≈ ₹6,0006,000 points on fee payment
🏁 Milestonesnone
✈️ Lounge✈∞ dom🌏0 intlUnlimited domestic (Priority Pass for primary abroad at cost)
🌏 Forex markup2%+ GST on the markup
🔁 Redemption₹1/SC Reward Points ★★★★☆1 point = ₹1 on 360° Rewards catalogue and vouchers.
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylefuel waivergolfconciergeinsurance coverGolf rounds and lessons
🪪 EligibilityIncome ₹24L+/yr

At a glance

  • 3.3% on nearly everything
  • ₹1 points are easy to redeem
  • Unlimited domestic lounges
  • Fee not spend-waivable
  • Utilities capped
  • Limited international lounge

Community Q&A on the Ultimate

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the Standard Chartered Ultimate?

Joining fee ₹5,000 and renewal fee ₹5,000, plus 18% GST (₹5,900 a year). The fee is not waived on spend.

Does the Ultimate give airport lounge access?

unlimited domestic/yr. Unlimited domestic (Priority Pass for primary abroad at cost).

How much can I save with the Ultimate?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹2,947 a year, an effective savings rate of 0.9% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Ultimate's reward exclusions and caps?

No rewards on fuel, rent. Utilities & insurance (reduced): capped at ₹1,000 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.