Standard Chartered Ultimate Review: Is It Worth It for Travel Rewards in 2026?
Strong Travel card earning 3.3 points per ₹100 on travel, with ₹5,000 annual fee.
Standard Chartered Ultimate fee structure and eligibility
| Detail | Value |
|---|---|
| Annual fee | ₹5,000 |
| Joining fee | ₹5,000 |
| Welcome bonus | 5,000 points |
| Eligibility tier | Premium income (₹12-24L/year) |
Standard Chartered Ultimate earn rates by spend category
| Category | Earn Rate |
|---|---|
| Travel | 3.3 points per ₹100 |
| Dining | 3.3 points per ₹100 |
| Online | 3.3 points per ₹100 |
| Retail | 3.3 points per ₹100 |
| Fuel | 1 points per ₹100 |
| Other | 3.3 points per ₹100 |
Where Standard Chartered Ultimate points transfer
| Program | Transfer Ratio |
|---|---|
| Singapore Airlines KrisFlyer | Check issuer portal for current ratio |
Transfer ratios change periodically. Always verify the current ratio on your Standard Chartered rewards portal before initiating a transfer.
What Standard Chartered Ultimate does well
- Solid earn rate: 3.3 points per ₹100 on travel spends
- Transfer partners: Singapore Airlines KrisFlyer
- Generous welcome bonus of 5,000 points
- 3.3× reward points on all spends — no capping
- 1.5% cashback option on all transactions
Where Standard Chartered Ultimate falls short
- Poor fuel earn rate — not suitable as a primary fuel card
- Limited transfer partner options — less flexibility for award bookings
Standard Chartered Ultimate earns across Singapore Airlines KrisFlyer. Pick your destination and see what your points unlock.
Standard Chartered Ultimate frequently asked questions
What is the annual fee for Standard Chartered Ultimate?
Standard Chartered Ultimate has an annual fee of ₹5,000 with a joining fee of ₹5,000. New cardholders receive 5,000 welcome bonus points.
What are the best spend categories for Standard Chartered Ultimate?
Standard Chartered Ultimate earns the highest rewards on travel spends at 3.3 points per ₹100. 3.3× reward points on all spends — no capping.
Which airline and hotel partners can I transfer Standard Chartered Ultimate points to?
Standard Chartered Ultimate points transfer to: Singapore Airlines KrisFlyer. Transfer ratios vary by partner — check your issuer's portal for current rates.
Who should get the Standard Chartered Ultimate card?
Standard Chartered Ultimate is best suited for travel and cashback spenders. Premium income (₹12-24L/year).