HDFC Regalia Gold Credit Card
HDFC Bank
Rewards 1.6%
Net Value ₹23,156
Joining Fee ₹2,500
Renewal Fee ₹0
18 lounge visits • Forex 2.0%
Standard Chartered Ultimate Credit Card
Standard Chartered
Premium golf and rewards credit card
Joining Fee
₹5,000
+ 18% GST
First Year Net
+₹17,384
Annual Fee
₹5,000
+ 18% GST
Renewal Net
+₹11,384
Base Reward Rate
3.3%
5 points per ₹150
Final Net Score
38
out of 100
Net Annual Value
+₹17,284
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
38/100
Effective Reward Rate
Weighted average based on your spending categories
3.3%
Annual Net Value
Expected yearly benefit after all costs
₹17,284
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Premium golf and rewards credit card
Launch Date
September 2017
Networks
Mastercard World
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹15,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹17,284
Fee outcome
Fee likely payable
Why this result
- Base rewards: Value is driven mostly by the base reward rate and fee math.
Details
Spend curve and supporting scenario values
Standard Chartered Ultimate Credit Card - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹5,000
- Foreign Transaction: 2.0%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 3.3% reward rate
- Lounge Access: Available
- Our Rating: 38/100
Standard Chartered Ultimate Credit Card - Frequently Asked Questions
What are the benefits of Standard Chartered Ultimate Credit Card?
Standard Chartered Ultimate Credit Card from Standard Chartered offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for Standard Chartered Ultimate Credit Card?
Standard Chartered Ultimate Credit Card is ideal for premium card users reward-focused spending. Minimum credit score requirements apply.
How much does Standard Chartered Ultimate Credit Card cost?
The annual fee for Standard Chartered Ultimate Credit Card is ₹5,000. Additional charges may include foreign transaction fees and late payment charges.
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