Standard Chartered Ultimate Credit Card — Rewards, Fees & Value
Standard Chartered · mastercard · premium
Best reward rate
5%
Annual fee
₹5,000
Type
Reward points
Point value (best)
₹1
Reward rate by category
Effective value back per ₹100 spent, after our cap-aware audit. Points valued at best redemption.
Key benefits
- 4 complimentary domestic lounge visits per quarter
- 1 international lounge visit/month via Priority Pass (₹20,000 prior-month spend required)
- 2% forex markup
- 5% cashback on duty-free spends
- 1% fuel surcharge waiver capped ₹1,000/month
- Golf access at premier courses in India and globally
See what this card is worth for your spending
Calculate your exact points value, or let the Card Finder check whether the Ultimate belongs in your stack.
FAQs
What is the reward rate on the Ultimate credit card?
The Standard Chartered Ultimate Credit Card earns up to 5% effective value on dining & food delivery and 5% on online shopping. Its base rate is about 5%.
What is the annual fee of the Ultimate?
The Ultimate has an annual fee of ₹5,000.
What is one Ultimate reward point worth?
On the Ultimate, one point is worth up to about ₹1 via its best redemption, or around ₹1 as cashback.
Reward data last verified 2026-06-16. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with Standard Chartered.