Standard Chartered Ultimate Credit Card
Standard Chartered Ultimate Credit Card from Standard Chartered Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 5,000 | Best for: Travel, Shopping, Utility Bills
Estimated value per Rs 100 of eligible spend.
Standard Chartered Ultimate Credit Card Overview
Standard Chartered Ultimate Credit Card is a Standard Chartered Bank credit card. Base reward value is about Rs 3.33 per Rs 100 of eligible spend. Zlash checks boosted categories like travel, utility bills, grocery along with caps and exclusions.
Best For
Standard Chartered Ultimate Credit Card is most useful when your spends regularly fall into travel, utility bills, grocery.
Rewards
travel
1x the base reward rate.
utility bills
0.6x the base reward rate.
grocery
0.6x the base reward rate.
insurance
0.6x the base reward rate.
education
0.6x the base reward rate.
rent
0.6x the base reward rate.
Not Good For
- Spends in excluded categories such as fuel, cashback transactions.
- Users who cannot recover the annual fee through rewards or card benefits.
Welcome And Travel Benefits
Welcome: Includes voucher-based benefits.
Domestic lounge: Domestic lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
International lounge: International lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Lifestyle Benefits
Golf: Golf benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Insurance: Insurance benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
2% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Milestone benefit in a yearly period for benefit value around Rs 5,000.
Zlash Verdict
Choose this card when travel, shopping, utility bills match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of Standard Chartered Ultimate Credit Card?
The listed annual fee is Rs 5,000.
What is Standard Chartered Ultimate Credit Card best used for?
Standard Chartered Ultimate Credit Card is most useful when your spends regularly fall into travel, utility bills, grocery.
Does Standard Chartered Ultimate Credit Card have reward exclusions?
Yes. The extracted exclusions include fuel, cashback transactions.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.