Standard Chartered · Premium
SC Ultimate
Where it ranks across all 187 cards
#1 Wallet load
3.3%
direct
#5 Jewellery & watches
3.3%
direct
#5 Gaming
3.3%
direct
#7 Mobile / broadband
3.3%
direct
#8 Other
3.3%
direct
#9 Train tickets
3.3%
direct
#9 Health & pharmacy
3.3%
direct
#12 Dining out
3.3%
direct
#13 Cabs & transit
3.3%
direct
#14 Hotels
3.3%
direct
#14 Electronics
3.3%
direct
#15 Flights
3.3%
direct
#19 Movies & events
3.3%
direct
#20 Online shopping
3.3%
direct
#21 Food delivery
3.3%
direct
#22 Fashion
3.3%
direct
#7 Education
2.0%
direct
#9 Insurance
2.0%
direct
#12 Utility bills
2.0%
direct
#44 Groceries
2.0%
direct
#7 Government / tax
1.1%
direct
Get an email if this card changes - sign in.
1 RP = ₹1 in the 360 Rewards catalogue (bank T&C)
Points valued at ₹1/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
3.33%base rate
5 pts / ₹150
source
Source: SC Ultimate card page (sc.com/in) - sc.com - read 22 Aug 2026
3 RP / ₹150 on utilities, supermarkets, insurance, schools, govt (2%)
2.00%this rule
3 pts / ₹150
source
Source: SC Ultimate T&C PDF (av.sc.com) - av.sc.com - read 20 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on2 exclusions
Fuel
earns nothing
Fuel earns nothing.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: SC Ultimate card page (sc.com/in) - sc.com - read 22 Aug 2026
EMI
earns nothing
EMI conversions ADJUST points rather than block them; real exclusions are fuel, ATM, fees/finance charges, disputed txns.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
Points expire 3 years; ₹99 redemption fee; ₹1/pt is catalogue-only.
categories: EMI
Source: SC Ultimate T&C (av.sc.com PDF) - av.sc.com - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.