Rewards Credit Card
Rs 1,000Annual fee
Rs 1,50,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- 1 complimentary domestic lounge visit per calendar quarter
3.5%Forex markup
Best for
Rewards, Retail, Lounge
Top rewards
Retail Spends (up To ₹20,000 Per Month): 4 reward points / ₹150 spent; Incremental Retail Spends Above ₹20,000 Per Month: 8 reward points / ₹150 spent; Government And Insurance Spends: 1 reward point / ₹150 spent
Ultimate Credit Card
Rs 5,000Annual fee
16Domestic lounge
Domestic lounge conditions
- 4 complimentary domestic lounge visits per calendar quarter
- 1 complimentary international lounge visit per month via Priority Pass, subject to a minimum spend of ₹20,000 in the previous calendar month.
2%Forex markup
Best for
Travel, Lounge, Golf, Duty Free
Top rewards
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
| Feature | Rewards Credit Card | Ultimate Credit Card |
|---|---|---|
| Issuer | Standard Chartered | Standard Chartered |
| Network | Visa | Mastercard |
| Joining fee | Rs 0 | Rs 5,000 |
| Annual fee | Rs 1,000 | Rs 5,000 |
| Fee waiver spend | Rs 1,50,000 | - |
| Reward type | 360° Rewards Points | 360° Rewards Points |
| Best for | Rewards, Retail, Lounge | Travel, Lounge, Golf, Duty Free |
| Top reward categories | Retail Spends (up To ₹20,000 Per Month): 4 reward points / ₹150 spent; Incremental Retail Spends Above ₹20,000 Per Month: 8 reward points / ₹150 spent; Government And Insurance Spends: 1 reward point / ₹150 spent | 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 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 4 | 16 |
| International lounge | 0 | 12 |
| Forex markup | 3.5% | 2% |
| Milestone benefits | Annual fee waiver on spends of ₹1,50,000 or more in the previous year, 4,000 reward points on payment of annual renewal fee if spend threshold is not met | 6,000 reward points on payment of joining fee |
| Redemption | Statement credit: upto ₹ 0.25 per point | Not Listed |
| Key exclusions | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) |