Standard Chartered Ultimate Credit Card

none ('This is complimentary for all cardholders' - product FAQ)

Domestic: 'Only one entry per cardholder will be permitted' (Mastercard); Visa entry is 'Free entry for the Eligible Cardholder only'. Priority Pass: 'all guest visits will be chargeable at the rate of up to USD 35 per visit'

Mastercard domestic: INR 25 authorisation for validation, not charged; Visa domestic: INR 2 non-refundable swipe. Priority Pass: 'up to USD 35 per visit', including every visit inside India, billed in INR 'within 90 days from Priority Pass usage date'

yes - 'Both primary and supplementary Eligible Cardholder will have this access individually' (domestic) and 'Primary and Supplementary cardholder shall be eligible for 1 complimentary lounge visit per month' (PP)

T&C PDF file dated 05-Jan-2026; product page https://www.sc.bank.in/credit-cards/ultimate-card/ retrieved 18-Sep-2026. Page value chart says '6 domestic lounge visits (INR 1400/visit)' and '4 global lounge visits with priority pass' - an illustration that does not match the 16/yr domestic + spend-gated PP terms; T&C governs. Older SC copy page /credit-cards/travel-credit-cards/ still says '2 complimentary Priority Passes for Domestic and International airport lounges every month on spend over INR 20,000' - superseded by the Jan-2026 T&C (1/month, outside India only). The Mastercard list SC links from the current Rewards/Ultimate T&Cs is a priceless.com PDF whose metadata dates it 08-Feb-2022 (Excel export, 21 rows) and it still lists 'Plaza Premium Lounge, Domestic T3' and 'Plaza Premium (Lounge A), International T3' at Delhi, and 'Enclam Lounge' T1D; treat as STALE. SC's own copy at av.sc.com/in/content/docs/scb-credit-cards-mastercard-lounge-list.pdf returned HTTP 403 AccessDenied on 18-Sep-2026 (curl, WebFetch and a real browser) and no current SC page links it.