Standard Chartered India · Scored card guide

Standard Chartered Ultimate

₹1 catalogue value per point; reduced rates for groceries and utilities. This is a one-category monthly estimate, not a guaranteed account return.

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Where it pays

5 points/₹150 eligible retail worth ₹1 each toward the issuer rewards catalogue; utilities and supermarkets earn only 3 points/₹150 since 2 April 2023. Fuel earns zero points. This model assumes one transaction each month, credits 12 months of catalogue reward value, and deducts one ₹99 redemption handling charge; catalogue value is not guaranteed cash. ₹5,000 joining/annual fee plus GST deducted; conditional 6,000 welcome points for fee payment not included. Golf, lounge, duty-free, foreign-currency and surcharge benefits omitted. Tariff: https://www.sc.com/in/credit-cards/tariffs-and-charges/ .

Modeled first-year cost: ₹5,000 plus estimated 18% GST on the card fee; one ₹99 reward redemption handling charge is deducted in the modeled value when points can be redeemed. Cash redemption and welcome benefits are not assumed.

Issuer source

https://www.sc.com/in/credit-cards/ultimate-card/

Checked 27 Sep 2026. Confirm current issuer terms and the value of actual catalogue items before applying.

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