Standard Chartered
WorldElite · Ultimate
Standard Chartered Ultimate Credit Card
Standard Chartered
Premium rewards with 5 RP per ₹100 and unlimited lounge access
Annual Fee
₹5,000
Joining Fee
₹5,000
Reward Rate
1.3%
Forex Markup
2%
Value Analysis
Annual Net Value
₹29,100
Total Annual Benefits
₹35,000
Total Annual Charges
₹5,900
ROI
593%
Fee Waiver Available
Annual fee waived on spending ₹5 Lakh in the preceding year — ₹5,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (1)
5 Reward Points per ₹100
Earn 5 reward points per ₹100 on all retail spends — one of the highest earn rates in the market
- • Excludes cash advances, quasi-cash, and insurance premiums
5 RP per ₹100
Airport Lounge Access (1)
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge access at participating lounges across India
- • At participating airport lounges in India
Unlimited visits
₹50,000/yr
Travel Benefits (1)
Low Forex Markup at 2%
Enjoy a competitive 2% foreign currency markup on international transactions
- • Applied on all international transactions
2% forex markup
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Standard Chartered 360° Rewards
5 reward points per ₹100
Effective cashback: 1.25%
Points expire: 2 years from date of accrual
Redemption Options
- → Airline miles transfer
- → Hotel loyalty points transfer
- → Gift cards and vouchers
- → Merchandise from rewards catalogue
- → Statement credit
Milestone Bonuses
10,000 bonus reward points on spending ₹5 Lakh annually
Spend ₹5,00,000 annually
10,000 Reward Points
15,000 bonus reward points on spending ₹10 Lakh annually
Spend ₹10,00,000 annually
15,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹5,000 Excluding GST |
| Annual Fee | ₹5,000 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2%
- Interest Rate (Monthly)
- 3%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹20
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 2% + ₹125
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹75,000
- Min. Annual Income
- ₹9,00,000
- Min. Credit Score
- 720
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹75,000
- • Self-Employed: ITR > ₹9 Lakh p.a.
- • Subject to credit assessment
Insurance Coverage
Accidental Death
₹1.0 Cr
Permanent Disability
₹1.0 Cr
Travel Insurance
₹15.0 L
Lost Card Liability
₹5.0 L
Report within 48h
Air Accident Cover
₹1.0 Cr
Purchase Protection
₹2.0 L
90 days
- • Air accident cover: ₹1 Crore
- • Travel insurance: ₹15 Lakh
- • Purchase protection: ₹2 Lakh for 90 days
Airport Lounge Access
Domestic
-1 visits/year
Unlimited
~₹2,500/visit
International
4 visits/year
4 per year via Priority Pass
~₹4,000/visit
Priority Pass Visa Airport Companion LoungeKey
- • Unlimited domestic lounge access
- • 4 complimentary international lounge visits per year
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Metal card Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility Unlimited domestic lounge access Priority Pass membership Low 2% forex markup SC mobile app and online banking
EMI Options
Min. Transaction
₹5,000
Interest / Month
1.25%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The Standard Chartered Ultimate Credit Card is a world-class premium card offering 5 reward points per ₹100 on all spends, unlimited airport lounge ac...
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