Standard CharteredUltimate
Standard Chartered ·
Ultimate
Joining ₹5,000 · Annual ₹5,000
Fee break-even: ≈₹1,50,150/yr through this card at its base rate. Below that, the fee eats the rewards.
Earns Reward points · assumed 1 ₹/point. Standard Chartered's own page prices 1 point at ₹1. Redemptions run through its 360 Rewards catalogue, so check what ₹1 actually buys there before counting on par value
Verified 13 Aug 2026Forex markup2%
GolfComplimentary access to premier golf courses
Domestic lounge16 a year. 4 per quarter at domestic lounges
EMIA flat 1.5% of the transaction on every conversion processing fee · Standard Chartered's Kuch Bhi on EMI covers checkout and post purchase conversions alike, with a flat 1.5% fee and tenures of 3 to 60 months. Minimum ₹2,000 to convert, pre closing costs 3%. · Standard Chartered does not publish whether converted purchases keep earning, so treat points on EMI as unconfirmed
International lounge1 visit a month at international lounges, unlocked by ₹20,000 of spends in the previous month
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 3.33% | Base rate |
| Amazon | 3.33% | Base rate |
| Flipkart | 3.33% | Base rate |
| Subscriptions & OTT | 3.33% | Base rate |
| Offline spend | 3.33% | Base rate |
| UPI spending | 0% | No RuPay variant is published, so UPI linking is unavailable |
| Dining | 3.33% | Base rate |
| Swiggy | 3.33% | Base rate |
| Zomato | 3.33% | Base rate |
| Groceries | 2% | Supermarkets earn the reduced 3 points per ₹150 |
| Quick commerce | 2% | Uses its groceries rate |
| Swiggy Instamart | 3.33% | Base rate |
| Blinkit | 3.33% | Base rate |
| BigBasket | 2% | Uses its groceries rate |
| Movies & shows | 3.33% | Base rate |
| BookMyShow | 3.33% | Base rate |
| PVR INOX | 3.33% | Base rate |
| Fuel | 0% | Fuel earns no points |
| Travel (general) | 3.33% | Base rate |
| Flights | 3.33% | Base rate |
| Hotels | 3.33% | Base rate |
| MakeMyTrip | 3.33% | Base rate |
| IRCTC rail | 3.33% | Base rate |
| International | 1.33% | 3.33% reward − 2% forex markup |
| Utilities & bills | 2% | 3 points per ₹150 |
| Rent | 2% | Property management earns 3 points per ₹150 |
| Education fees | 2% | Schools earn 3 points per ₹150 |
| Insurance premiums | 2% | 3 points per ₹150 |
| Government & tax | 2% | 3 points per ₹150 |
| Wallet loads | 3.33% | Base rate |
| Anything else | 3.33% | Base rate |
| Jewellery | 3.33% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- Welcome: 6,000 points worth ₹6,000 on payment of the joining fee
- 5% cashback on duty free spends
Other exclusions
- Standard Chartered does not publish whether converted purchases keep earning, so treat points on EMI as unconfirmed
What we liked
- 3.33% flat on ordinary spends at the bank's own point pricing, with even rent and government at 2%
- 2% forex markup and 5% cashback on duty free
- 16 domestic lounge visits a year plus conditional international access
What to mind
- The ₹5,000 fee never waives
- The ₹1 per point value depends on the 360 Rewards catalogue being priced fairly
- Fuel earns nothing
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.