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Standard Chartered · Standard Chartered
Rewards vs Ultimate
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
45composite score
95% rule confidence
95% rule confidence
Winner
52composite score
82% rule confidence
82% rule confidence
Annual fee
₹1,000
₹5,000
Network
Visa
Visa
Base reward rate
1%
3.3%
Min. income (monthly)
₹40,000
₹1,00,000
Min. credit score
720+
720+
Best for
Online shopping
Dining
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Ultimate edges out for most wallets.
- Better base rate, 3.3% vs 1% on everything outside a bonus bucket.
Composite score
Rewards45
Ultimate52
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
Pick the right one for every purchase, automatically.
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