Standard Chartered
Ultimate Credit Card
SimplifyCards take:A good fit if you want a card built for travel, lounge, and golf
✓
Best for airport lounge accessBest for
28 complimentary lounge visits a year across domestic and international
!
Avoid if you want pure cashbackWatch out
Simpler cashback cards exist if you'd rather not manage reward points
✦
Good fit if you want a card built for travel, lounge, and golfBottom line
It combines complimentary airport lounge access, a low 2% forex markup, and milestone rewards
Estimate your 360° Rewards Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
360° Rewards Points rates
| Category | Rate |
|---|---|
| General Retail Spends (excl. Fuel And Capped Categories) | 5 reward points / ₹150 spent |
| Utility, Supermarket, Insurance, Rent, School Fees, And Government Spends | 3 reward points / ₹150 spent |
Redemption
360° Rewards Portal vouchers (1 point = ₹1, no statement cashback)upto ₹ 1 per 360° Rewards point
Important conditions
1
Domestic lounge16 visits per year
- 4 complimentary domestic lounge visits per calendar quarter
2
International lounge12 visits per year
- 1 complimentary international lounge visit per month via Priority Pass, subject to a minimum spend of ₹20,000 in the previous calendar month
3
Milestone6,000 reward points on payment of joining fee
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- 5% cashback on duty-free spends (maximum ₹1,000 cashback per month)
- 1 complimentary golf game and 1 complimentary coaching session per month
- Complimentary Priority Pass membership
- Reduced foreign currency markup of 2.0%
Eligibility
Check this before you apply
Salaried
- Age: 21 to 65 years
- Minimum monthly income of ₹2,50,000 or self-declared high relationship value
Self-employed
- Age: 21 to 65 years
- Minimum income or high relationship value
Exclusions
Spending that does not earn 360° rewards points
- Fuel transactions
- Cash withdrawal / cash advance transactions
- Fees and charges (including annual fee and finance charges)
Featured in our guides
Category shortlists where this card appears in the top picks
Best Credit Cards in India 2026
A broad shortlist for people comparing Indian credit cards across fees, rewards, lounge access, travel value, cashback, exclusions, and everyday usefulness
Best Premium Credit Cards in India
For high-spend users comparing premium cards where lounge access, travel value, milestones, and fee recovery matter as much as headline rewards
Compare before you decide
Alternatives based on what you might want instead