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A lady enjoying lifestyle benefits and reward points with Ultimate Credit Card
  1. Credit Cards
  2. Ultimate Credit Card

Earn 6000 Reward Points* worth Rs. 6000 on payment of joining fee with Ultimate Credit Card.

*T&C apply

Ultimate Credit Card Benefits
  • Get
    5 Reward* points

    on INR 150 spent

  • Get
    1 = 1

    1 Reward point equals to INR 1

  • Get
    5% cashback*

    on duty-free spends

Ultimate Credit Card Benefits

Ultimate Rewards

Earn 5 reward* points per INR 150 spent and get maximum benefit with 1 reward point equal to INR 1

Travel Benefits

5% cashback* on duty free spends and access to over 1000 airport lounges across the world.

Foreign currency markup

Enjoy reduced foreign currency markup fee of 2% on all foreign currency transactions.

Lifestyle Benefits

Get complimentary access to premier golf courses in the country.


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Joining fees
INR 5,000

Renewal fees
INR 5,000

Supplementary card – Joining fees

Supplementary card – Renewal fees


  • Applicant’s age should be between 21 and 65.

Monthly Income

  • Applicant should have a stable monthly income.

Other Requirements

  • Applicant should belong to credit cards sourcing cities/locations of the Bank.
  • All applications are subject to credit and other policy checks of the Bank.

You will need

  • Identity Proof (Any One of the following Photo cards): Passport, Voter Id Card, Govt ID, etc..
  • PAN Card
  • Address Proof (Any One of the following documents with current residence address): Aadhaar Card, Passport, Driving License, Election/Voter’s ID Card, Job card issued by NREGA duly signed by an officer of the State Government, The letter issued by the National Population Register containing details of name, address.
  • 1 recent passport-sized Photograph

Financial documents for salaried

  • Latest one month salary slip

Financial documents for self employed

  • Self Employed Businessmen: Latest IT Returns with computation of income /Certified Financials, Last Business Continuity proof.
  • Self Employed Professionals: Latest IT Returns, Business Continuity proof.

  • Joining fee = Rs 5,000
  • Renewal fee = Rs 5,000
  • Complimentary membership to Priority Pass to primary card holder as well as supplementary card holder. Usage is chargeable at 27 USD per visit. The fees will be waived for 1 visit per month for customers whose card spend in the last month exceeds INR 20,000
  • Travel and Air Accident Cover up to ($ 200K).& Medical Travel Insurance up to $ 25K.
  • Cashback of 5%* at duty-free store
  • 1%* fuel surcharge waiver
  • Exclusive Golf privileges

Rs 5,000 to be paid every year

Yes, you can, please call Phone Banking for the same.

Cardholder to be between 18-70 years of age. Also this facility is available only for the primary cardholder

  • The domestic lounge program under VISA/Mastercard provides you 4 domestic lounge accesses per calendar quarter using your Ultimate Credit Card. This is complimentary for all cardholders.
  • The Priority Pass programme provides you with 1 international lounge visit per month, subject to the cardholder having spent more than INR 20,000 in the previous calendar month of the visit. Please note that the card member will be liable to pay for each domestic lounge visit using Priority Pass, as per applicable charges.

Yes, you can apply for an Ultimate virtual credit card for golf benefits, dining privileges & more & access these perks instantly To know more, click here.

Your Ultimate credit card offers you complimentary membership to Priority Pass, which gives you access to lounges in international airports across the globe. You can log on to www.prioritypass.com for details on the participating lounges. To know more on the terms and conditions, click here.

Credit card transactions with Merchant Category Code (MCC) 6513, 7349 are covered under Rental Payments.

A Merchant Category Code (MCC) is a four-digit number assigned to a merchant/business by the merchant’s acquiring bank. These are defined by networks e.g. Visa, MasterCard.

A processing fee of 1% (plus taxes) would be applicable to all rental transactions. This fee will be over and above any charges applied by the merchant as communicated to the client at the time of transaction.

For example – If you pay INR 20,000 on a third-party rent payment platform using your Standard Chartered Bank Credit Card, 1% of transaction amount i.e. INR 200 plus taxes will be charged as a processing fee

Processing fee on rental payments will be effective from April 02, 2023.

The processing fee will be levied by 15th of the next calendar month and will have a separate narration in the monthly statement.

From April 2nd, 2023, transactions on Ultimate credit card for Utilities, Supermarkets, Insurance, Property management, Schools & Government payments will now earn 3 reward points on every INR150 spent.

4900 Utilities 150 3
5411 Supermarkets 150 3
5960,6300 Insurance 150 3
7349,6513 Property Management / Rent Pay 150 3
8299 Schools 150 3
9399 Government 150 3

Please note there is no capping to the reward points that can be earned in a month on the merchant categories where there is a revision in reward points.

From April 2nd, 2023, no reward points will be earned for Fuel transactions on StanChart Ultimate credit card.

However, clients will now enjoy a surcharge waiver of 1% on fuel spends across all petrol pumps. The fuel surcharge waiver amount will be capped at Max Rs 1000/ per month.

The changes would be effective from April 2nd, 2023. Please note all spends till 31st March 2023 on the select categories will continue to earn reward points as per the existing reward proposition i.e. 5 reward points on every INR 150 spent.

There will be no impact to your existing reward points which you have earned and is available for redemption till expiry of those points.

Annual Benefits of using Ultimate Credit Card
Total Benefit
4 golf session (INR 5000/visit) ₹20,000
6 domestic lounge visits (INR 1400/visit) ₹8400
4 global lounge visits with priority pass (2300/visit) ₹9200
Cashback on duty free outlets (INR 1000 cashback – 2 visit / year ) ₹2000
1.5% cashback on your foreign mark up (INR 50,000 / Year) ₹750
Rewards points on total annual spends (with 2 examples)
e.g., 1) avg INR 600,000/year 5 reward points / INR 150 = ₹20,000 on all spends except below categories mentioned in e.g. (2)
e.g., 2) avg INR 300,000/year 3 reward points / INR 150 = ₹6000 on Utilities, Supermarkets, Insurance, Property management, Schools & Government payments
1% fuel surcharge waiver (On spend of INR 15000/month i.e., INR 150 waiver per month) ₹1800
Rewards point on paying joining fee (6000 rewards points worth INR 6000) ₹6000
 Total Benefits for Customer ₹74,150
For Illustration purposes only, Terms & Conditions apply*

For details, please click here
For details, please click here
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