Is Standard Chartered Ultimate good for travel?

Standard Chartered Ultimate is a premium card from SC. It is not primarily a travel card, but may offer some travel benefits.

SC • premium

Standard Chartered Ultimate

Q: What is the annual fee of Standard Chartered Ultimate?

The annual fee for Standard Chartered Ultimate is Rs.5000 + GST.

Q: How to apply for Standard Chartered Ultimate?

You can apply for Standard Chartered Ultimate online through SC's website or through CreditIQ's unbiased apply link. Eligibility typically requires a credit score of 750+ and a minimum income as per bank criteria.

Honest review — No affiliate bias — Updated May 2026

CreditIQ Score

8.2

out of 10

Rs. 5,000

Annual Fee

Rs. 5,000

Joining Fee

Visa/Mastercard

Network

premium

CreditIQ Verdict

The Standard Chartered Ultimate is a premium credit card from SC with an annual fee of Rs.5,000. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on premium categories and want to earn meaningful rewards.

Fees & Charges

Annual FeeRs. 5,000 + GST

Joining FeeRs. 5,000 + GST

Interest Rate42% per annum (3.33% per month)

Forex Markup3.5% on international transactions

Cash Advance2.5% of amount (min Rs. 500)

Late PaymentRs. 0 – Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...

+ Spend on premium regularly

+ Spend Rs.20,000+ per month

+ Have a good credit score (750+)

+ Earn Rs.1.5L+ annually

Skip if you...

- Travel internationally often (high forex markup)

- Carry a balance month-to-month

- Are a first-time credit card user

- Cannot meet annual spend threshold

Frequently Asked Questions

What is the annual fee of Standard Chartered Ultimate?

The annual fee is Rs.5,000 + GST. It is waived if you meet the annual spend threshold.

What is the reward rate on Standard Chartered Ultimate?

Standard Chartered Ultimate offers 3.3. Check the benefits section above for category-specific accelerators.

How to apply for Standard Chartered Ultimate?

You can apply online through SC's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.

Applying via CreditIQ

Zero affiliate bias. We show all cards equally — ranked by value, not commission.

Apply Now Compare with other cards

Quick facts

Annual feeRs.5,000

NetworkVisa/Mastercard

BankSC

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