✓ Verified Mar 2026Fees: T1Rewards: T1
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Standard Chartered

SC Ultimate

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Annual Fee

₹5,000

Reward Type

Points

Forex

0%

Lounge

∞ dom · ∞ intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹5,000
Annual Fee₹5,000
Min Monthly Income₹2,00,000

Rewards

Reward TypePoints
Base Rate5%
Point Value₹1/point

Redemption Values

vouchers₹1/pt

Milestones

Spend ₹5L in a year₹2,500 cashback + complimentary video subscription (annually)

Travel & Global

Forex Markup0% - Zero Forex ✓
Domestic LoungeUnlimited ✓
Intl. LoungeUnlimited ✓
Lounge NetworkDreamfolks

India-Specific

Fuel Surcharge✓ 1% waiver

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⚖️ Breakeven Analysis

To recover the ₹5,000 annual fee at the base reward rate of 5%, you need to spend ₹1,00,000 annually.

🎯 Pro Tips

  • ▸Highest flat reward rate (3.3%) across all categories including wallet loads.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹55,000

Effective Rate

4.6%

Ranked #4 of 173 cards🏆 Top 10

₹5,000 annual fee deducted from gross rewards value.

🏷️ Best For

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