Ultimate Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: Standard Chartered Bank
Network: Visa | Tier: Premium
High reward rate
Why Choose the Ultimate Credit Card?
The Ultimate Credit Card is a Premium-tier Visa credit card issued by Standard Chartered Bank, rated 4.5/5 by the Credit Card Hunt editorial team. It is best suited for Premium users. With a reward rate of 5 RP per 150 and an annual fee of ₹5,000, it ranks among the popular Premium cards in India in 2026.
New cardholders are welcomed with Welcome, which adds immediate value in the first year.
Ultimate Credit Card Fees & Charges
| Annual Fee | ₹5,000 |
|---|---|
| Joining Fee | ₹5,000 |
| Interest Rate | 3.75% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Ultimate Credit Card Rewards & Benefits
| Reward Rate | 5 RP per 150 |
|---|---|
| Welcome Bonus | Welcome |
| Lounge Access | Lounge |
| Best For | Premium users |
Key Highlights of the Ultimate Credit Card
- High reward rate
- 5 RP per 150
- Lounge
Ultimate Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹12,00,000/year
Minimum Income Required: ₹12,00,000/year
Advantages of the Ultimate Credit Card
- High rewards
Drawbacks of the Ultimate Credit Card
- Fee high
Ultimate Credit Card — Frequently Asked Questions
What is the annual fee of the Ultimate Credit Card?
The Ultimate Credit Card has an annual fee of ₹5,000 and a joining fee of ₹5,000. New cardholders receive Welcome as a welcome benefit, which helps offset the joining cost.
Does the Ultimate Credit Card offer airport lounge access?
Yes — the Ultimate Credit Card offers Lounge.
Who is eligible for the Ultimate Credit Card?
The minimum income requirement is ₹12,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Ultimate Credit Card?
The Ultimate Credit Card earns 5 RP per 150. It is best suited for Premium users.
Credit Cards Similar to the Ultimate Credit Card
If you are considering the Ultimate Credit Card, these premium credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
- Gold Charge Card by American Express — rated 4.6/5, ₹4,500 annual fee
- Membership Rewards Credit Card by American Express — rated 4.6/5, ₹4,500 annual fee
Expert Rating: 4.5/5