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Standard Chartered
Standard Chartered Ultimate
PremiumPointsVisaMastercardPending re-check
Joining fee
₹5,000
Annual fee
₹5,000
No spend-based waiver
Forex mark-up
2%
+ 18% GST on the mark-up
Why people pick it
- ✓5 points per ₹150 = 3.33% (1 point = ₹1)
- ✓Redeem points for statement credit
- ✓5% cashback at duty-free
Watch out for
- !No fee waiver
- !Limited lounge visits
Rewards
| Everything else (base rate) | 3.33% | no cap |
No rewards on: Fuel, Rent, Bills & recharges, Insurance, UPI payments at shops
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Travel & lounges
- Domestic lounge
- 4 / year
- International lounge
- 4 / year
Eligibility
- Salaried
- ₹1,50,000/month
- Self-employed
- ₹18,00,000/yr ITR
- Age
- 21–65 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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