Verified — 16/16 categories
Standard Chartered
Standard Chartered Ultimate Credit Card
Best forDining & Food Delivery
Earns5 RP/₹150 on dining
1st Year / Joining Fee
₹5,000 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Network
Not recorded
Standard Chartered
Standard Chartered Ultimate Credit Card
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on dining and food delivery, where it earns 5 RP/₹150
How you earn
Reward rates at a glance — exactly as recorded for this card.
Dining5 RP/₹150
Food Delivery5 RP/₹150
Shopping5 RP/₹150
Travel5 RP/₹150
Railways5 RP/₹150
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | 3 RP/₹150 | — | 3 RP / ₹150 (2.00%) on property rental paymentsDetails
|
| Education | 3 RP/₹150 | — | 3 RP / ₹150 (2.00%) on schools and education feesDetails
|
| Insurance | 3 RP/₹150 | — | 3 RP / ₹150 (2.00%) on insurance premium paymentsDetails
|
| Utilities | 3 RP/₹150 | — | 3 RP / ₹150 (2.00%) on utility bill paymentsDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 3 RP/₹150 | — | 3 RP / ₹150 (2.00%) on groceriesDetails
|
| Dining | 5 RP/₹150 | — | 5 RP / ₹150 (3.33%) uncapped on dining retailDetails
|
| Food Delivery | 5 RP/₹150 | — | 5 RP / ₹150 (3.33%) uncapped on food deliveryDetails
|
| Shopping | 5 RP/₹150 | — | 5 RP / ₹150 (3.33%) uncapped on general shopping and retailDetails
|
| Travel | 5 RP/₹150 | — | 5 RP / ₹150 (3.33%) uncapped on domestic travelDetails
|
| Government | 3 RP/₹150 | — | 3 RP / ₹150 (2.00%) on government paymentsDetails
|
| Wallet | No reward | — | —Details
|
| Railways | 5 RP/₹150 | — | 5 RP / ₹150 (3.33%) on railway ticket bookingsDetails
|
| FASTag | 3 RP/₹150 | — | 3 RP / ₹150 (2.00%) on FASTag paymentsDetails
|
| Jewellery | 5 RP/₹150 | — | 5 RP / ₹150 (3.33%) on jewellery purchasesDetails
|
| Telecom | 3 RP/₹150 | — | 3 RP / ₹150 (2.00%) on telecom and mobile billsDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹5,000 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Reward caps
No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.
Key benefits
Rewards
5 RP/₹150 on dining
Fuel surcharge waiver
1% fuel surcharge waiver on transactions ₹400-₹5,000, max waiver ₹250/month
Foreign-currency markup
2% foreign-currency markup — 2.0% foreign currency transaction fee + 18% GST
Milestone benefit
Renewal benefit: 5,000 Reward Points (worth ₹5,000) credited upon payment of renewal fee
Important to know
Limits and exclusions that change what you earn.
- No reward on: Fuel, Wallet
Who should consider this card
✓ Good fit if
- Your spending is concentrated in dining, food delivery, shopping
△ Less useful if
- Much of your spending is in fuel, wallet, which earn nothing
- You do not want to pay an annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 0 caps · 2 no-reward categories
Caps
No cap recorded.
Categories with no reward or not eligible
- Fuel — No reward.
- Wallet — No reward.
Milestones · 1 recorded
- Milestone → benefit worth ₹5,000 — Renewal benefit: 5,000 Reward Points (worth ₹5,000) credited upon payment of renewal fee.
Eligibility
Subject to Standard Chartered's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions ₹400-₹5,000, max waiver ₹250/month.
- Foreign-currency markup: 2% foreign-currency markup — 2.0% foreign currency transaction fee + 18% GST.
What DhanChakshu couldn't fully verify · 2 areas
2 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-27
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-27
Documents used
Official product page, 360 Rewards schedule, fees and waivers · SRC-SC-ULTIMATE-SCHEDULE