Standard Chartered Ultimate
Updated on July 28, 2026 · Author: Team PaisaSimple
🎖️Reward Rate
5 reward points per ₹150 spent (3.33% reward rate)
Overview
Standard Chartered Ultimate is the easiest card for new users to earn real money back directly on daily shopping, Swiggy, Zomato & Flipkart.
Rewards
Reward Type
Cashback
Reward Rate
5 reward points per ₹150 spent (3.33% reward rate)
Welcome Benefit
Welcome gift vouchers worth up to ₹1,000 on card activation
Milestone Benefit
Bonus reward points on annual spend milestones
Redemption
Redeem points for air miles, gift vouchers, or statement credit
Benefits
- 🛫 Free Luxury Airport Lounge Access: Enjoy free airport lounge visits with complimentary gourmet food buffets, beverages & comfortable seating
- Get ₹5 back for every ₹100 spent on popular online sites
- Lowest foreign currency markup fee of 1%
Things to Know Before you apply
Standard Chartered Ultimate Eligibility Criteria
- Age: 21–65 years
- Minimum net monthly income of ₹25,000 (salaried) or ₹6 Lakh ITR (self-employed)
- Salaried / Self-Employed
Standard Chartered Ultimate Customer Care
- Toll Free: 1800 266 4332
- Landline: 022-6160 6161
- Concierge Service: 1800 258 4444
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹5,000 |
| Annual Fee | ₹5,000 |
Fee waiver: ₹5,000 / year (Fee waived on annual spend milestone)
PaisaSimple Review
Overall Rating
What do we like about this card?
Standard Chartered Ultimate is the easiest card for new users to earn real money back directly on daily shopping, Swiggy, Zomato & Flipkart.
Pros
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
Cons
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.