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
Beyond Credit Card
Rs 25,000Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary domestic and international airport lounge access
- 4 complimentary guest lounge visits per year
- Unlimited domestic and international lounge access is provided for the cardholder, plus 4 complimentary guest visits per year.
2%Forex markup
Best for
Priority Banking, Travel, Lounge, Golf, Dining
Top rewards
Other Retail Spends: 5 reward points / ₹150 spent; Utility, Insurance, Grocery, School, Property Management And Government Spends: 3 reward points / ₹150 spent
| Feature | Ultimate Credit Card | Beyond Credit Card |
|---|---|---|
| Issuer | Standard Chartered | Standard Chartered |
| Network | Mastercard | Visa |
| Joining fee | Rs 5,000 | Rs 15,000 |
| Annual fee | Rs 5,000 | Rs 25,000 |
| Reward type | 360° Rewards Points | 360° Rewards Points |
| Best for | Travel, Lounge, Golf, Duty Free | Priority Banking, Travel, Lounge, Golf, Dining |
| Top reward categories | 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 | Other Retail Spends: 5 reward points / ₹150 spent; Utility, Insurance, Grocery, School, Property Management And Government Spends: 3 reward points / ₹150 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 16 | Unlimited |
| International lounge | 12 | Unlimited |
| Forex markup | 2% | 2% |
| Milestone benefits | 6,000 reward points on payment of joining fee | Annual fee waiver subject to Funds Under Management (FUM) criteria in the last 3 months prior to fee levy |
| Redemption | Not Listed | Not Listed |
| Key exclusions | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) | Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges), Fuel transactions |