Standard Chartered Ultimate
Standard Chartered Bank
The Standard Chartered Ultimate is the bank's flagship premium credit card targeting high-net-worth individuals who demand comprehensive lifestyle benefits. The headline feature is the industry-leading 5% cashback on dining at partner restaurants — the highest dining cashback rate among all Indian credit cards in the premium segment. Combined with zero forex markup on international transactions, this makes the Ultimate exceptionally valuable for high-spending frequent diners and international travelers. Unlimited domestic airport lounge access at 100+ lounges removes all anxiety around visit limits, while 6 international Priority Pass visits per year covers moderate international travel needs. The complimentary golf rounds in India and premium 24/7 concierge services cater to affluent lifestyle needs. Air accident insurance of ₹3 crores is the highest cover among Standard Chartered cards. The ₹3,000 joining fee is offset by a ₹3,000 e-gift voucher from Pantaloons or Shoppers Stop, effectively making the first year more accessible. Source: Standard Chartered Bank official website, updated May 2026.
Key Facts
| Feature | Details |
|---|---|
| Joining Fee | ₹3,000 |
| Annual Fee | ₹3,000 |
| Reward Rate | [object Object]% |
| Cashback Rate | 0% |
| Lounge Access | Yes |
Features & Benefits
Pros & Cons
- Unlimited domestic lounge
- Zero forex markup
- Highest dining cashback rate
- Premium insurance cover
- High annual fee
- High joining fee
- Requires high annual spend for fee waiver
How to Apply
Review the eligibility criteria below and ensure you meet the income and credit score requirements.
Click "Apply Now" and fill in your personal, income, and KYC details online.
The bank reviews your application and approves within 2–5 working days. Card arrives in 3–7 days.