Ultimate Credit Card

Name: Ultimate Credit Card
Brand: Standard Chartered
Price: 5000 INR

Standard Chartered•VisaSuper-premiumActive

Official Page ↗

Highlights

Base reward rate: 3.33% return (5 pts per ₹150)
Domestic Lounge: 4 visits/quarter via Visa Lounge Program
International Lounge: 16 visits/year via Priority Pass

Welcome / Joining Benefit

5,000 Reward Points (worth ₹5,000) welcome gift on fee payment.

Points Expiry

Joining Fee

₹5,000

+18% GST applicable

Annual Fee

₹5,000

+18% GST applicable

Renewal Fee

₹5,000

+18% GST applicable

Joining Fee Waiver

5,000 Reward Points (worth ₹5,000) welcome gift on fee payment.

Annual Fee Waiver

Spend Threshold₹0

PeriodAnniversary Year

No renewal fee waiver, but gives 5,000 points annually on fee payment.

Basic Requirements

Minimum Age21 years

Maximum Age70 years

Eligible OccupationSalaried, Self-Employed

Forex markup: 0%

Base Reward Rate

Points per Spend

5 pts

Per Every

₹150

Effective Return

3.33%

Currency: SC Ultimate Points — 1 point ≈ ₹1

Accelerated & Special Rates

Flat 3.33% reward rate on all retail transactions (excludes fuel, utility, rent).

3.33% return

❌ No Points Earned On:

FuelWallet LoadRentUtilitiesGovernment Spends

🛫 Domestic Lounge Access

ProgramVisa Lounge Program

Visits4 per quarter

Guest AccessNo

🌏 International Lounge Access

ProgramPriority Pass

Visits16 per year

Guest AccessNo

Redemption Options

360° Rewards Points

Smart Redemption Tips

🏆 Best value: Gift Voucher at ₹0.25–₹0.50/pt — maximize your returns here.

⚠️ Avoid Statement Credit (₹0.20/pt) — you lose 60% of point value.

🪙 Reward currency: 360° Rewards Points

Best Value

🎁Gift Voucher

Gift vouchers via 360° Rewards portal

₹0.25–₹0.50/pt

✈️Travel Portal

Flights and hotels via rewards portal

₹0.25–₹0.50/pt

💳Statement Credit

Redeem points against statement balance

₹0.20/pt

Points Transfer Partners

Total: 0 partners

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