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Standard CharteredFree to apply via CardGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
5 Points per ₹150
Flat 3.33% Reward Rate
The privileges that come bundled in, beyond the reward points.
Highest flat reward rate
Golf Access
An honest read on where this card earns its keep — and where it doesn't.
3.33% Flat Return
Simple
Limited redemption options
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Standard Chartered before you apply.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of Standard Chartered are often approved on slightly lower scores.
Everything you need to know about Standard Chartered Ultimate fees, reward conversion, lounge access, and application eligibility.
The joining fee for Standard Chartered Ultimate is nominal, and the annual renewal fee is ₹5000 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for Standard Chartered Ultimate from Standard Chartered, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
Standard Chartered Ultimate is designed to reward everyday spends. It currently features: "6000 Points". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via Standard Chartered's rewards portal.
Standard Chartered Ultimate does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.
You can apply for Standard Chartered Ultimate directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
