Standard Chartered Ultimate vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Standard Chartered Ultimate wins 5-3. Best general earn-rate at the ₹5K fee tier. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | Standard Chartered Ultimate | Kotak White |
|---|---|---|
| Annual fee | · ₹5,000 | ₹3,000 |
| Joining fee | · ₹5,000 | ₹3,000 |
| Top reward rate | 3.3% (general) | · Milestone |
| Base reward rate | 3.3% | · Milestone |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 6,000 reward points + ₹1,000 voucher | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | · ₹1,500,000 / yr | ₹500,000 / yr |
| Min income | ₹1,500,000 | · ₹2,500,000 |
| Min credit score | 780 | · N/A |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
Standard Chartered Ultimate
- 5 reward points per ₹150 (effectively 3.3%)
- 4 complimentary international lounge visits/year
- BookMyShow buy-1-get-1
- 1% fuel surcharge waiver
- Comprehensive travel + purchase insurance
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›Standard Chartered Ultimate vs Kotak White: which is better?
Standard Chartered Ultimate wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Standard Chartered Ultimate for its best categories, Kotak White for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Standard Chartered Ultimate: 6,000 reward points + ₹1,000 voucher. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.