Standard Chartered Ultimate Credit Card
Standard Chartered About This Card
Standard Chartered Ultimate offers a rare flat 3.3% reward rate on ALL spends — no categories, no restrictions. This simplicity is its biggest selling point. If you hate optimizing categories and just want consistent returns, this is your card. The 3.5% forex markup is its Achilles heel.
Pros & Cons
Pros
- 3.3% flat rate on everything — no categories to optimize
- Points worth ₹1 on flights
- Good lounge access
- Simple earn structure
Cons
- 3.5% forex markup kills travel value
- ₹5K fee, ₹5L waiver
- SC's reward portal is clunky
- Less brand presence than HDFC/Axis
Fee Details
Reward Structure
Lounge Access
Key Highlights
- + 3.3% reward rate on ALL spends — no category restriction
- + 1 RP = ₹1 when redeemed for flights
- + 8+4 lounge visits/quarter
Compare With...
See how Standard Chartered Ultimate Credit Card stacks up against top alternatives
Want the Full Picture?
Compare the Standard Chartered Ultimate Credit Card side-by-side with any card in our database. Use our comparison tool to see which card truly fits your spending pattern.
CardTrail is an independent research platform. Our ratings are not influenced by commercial relationships.
Quick Summary
CardTrail Score
Best For
Own the Standard Chartered Ultimate Credit Card?
Get notified when benefits change, fees are revised, or a better alternative launches. One email, only when it matters.
Related Cards
View all cards
