Is Standard chartered Ultimate really worth ?

[sauchadh]

I see many of you hold Standard chartered Ultimate credit card. Is it really the worth ? 1st of all it is a paid card and we get equivalent 5000 points every year. Ofcourse GST we need to pay from our pocket. I see there are not many reward redemption option. Can someone throw light on this on how they redeem their points ? Are we getting an equivalent benefit in terms of fees we are paying ?
Also if you spend 150Rs you get 5 points. How about if someone spends less than 150 Rs would we still get points ? I am thinking if I should take this card or not . Any thoughts ?

 

[Cryptopsycho]

SC ultimate is indeed really worth! 3.3% return on literally everything without any exclusion!! And u get reward points for every rs 30 spent!! Just a no nonsense card which everyone should have!! Fee u pay is just 900/- (for GST only, as u get equivalent 5000 reward points worth Rs 5000)-. Plus redemption catalogue is pretty vast. Not like infinia or DCB where u get 3.3% only over flights or hotel redemptions.
Use it where none of the card is giving benefits more than 3%.
My view, simply go for it!!

 

[sauchadh]

SC ultimate is indeed really worth! 3.3% return on literally everything without any exclusion!! And u get reward points for every rs 30 spent!! Just a no nonsense card which everyone should have!! Fee u may is just 900/- (for GST only, as u get equivalent 5000 reward points worth Rs 5000)-. Plus redemption catalogue is pretty vast. Not like infinia or DCB where u get 3.3% only over flights or hotel redemptions.
Use it where none of the card is giving benefits more than 3%.
My view, simply go for it!!

Thanks for the response. Do you have the link for redemption catalogue ? I know we can't get Amazon or Flipkart which is the most we used. I want to see what other options are available

 

[Cryptopsycho]

Thanks for the response. Do you have the link for redemption catalogue ? I know we can't get Amazon or Flipkart which is the most we used. I want to see what other options are available

I do have link but I think it's login based. However, major options for vouchers include Big basket, Myntra, Croma, shoppers stop, hotels, lifestyle, pantaloons, Westside, Cleartrip, Makemytrip, Tanishq, Kalyan gold, Titan and many more!!

 

[sauchadh]

That sounds pretty impressive. Are you holding this particular card ? Are there any redemption charges if we want to buy vouchers ? Does the points lapse on a year to year basis ?

 

[Cryptopsycho]

That sounds pretty impressive. Are you holding this particular card ? Are there any redemption charges if we want to buy vouchers ? Does the points lapse on a year to year basis ?

Yes I do have this card but not yet redeemed any reward points. Reward points have a expiry of 3 years from date of accural. Redemption charges of 99 + GST applicable.

 

[sahil624]

Can we use Priority Pass for domestic lounges (complementary usage).
Also, is SC Ultimate on Visa Infinite?

 

[saiki4116]

SC ultimate is indeed really worth! 3.3% return on literally everything without any exclusion!! And u get reward points for every rs 30 spent!! Just a no nonsense card which everyone should have!! Fee u may is just 900/- (for GST only, as u get equivalent 5000 reward points worth Rs 5000)-. Plus redemption catalogue is pretty vast. Not like infinia or DCB where u get 3.3% only over flights or hotel redemptions.
Use it where none of the card is giving benefits more than 3%.
My view, simply go for it!!

I got this card recently. Can you confirm if you got reward points on EMI's as well. As they don't have exclusion list mentioned on their webiste other then Joining and Renewal Fee, ideally should get Reward points.
They are taking shit lot of time to issue addon card(still not issues) and couple of times tap to pay hasn't worked. Their escalation Team is also not responsive, might want to drop off this card due to their support.

 

[Cryptopsycho]

I got this card recently. Can you confirm if you got reward points on EMI's as well. As they don't have exclusion list mentioned on their webiste other then Joining and Renewal Fee, ideally should get Reward points.
They are taking shit lot of time to issue addon card(still not issues) and couple of times tap to pay hasn't worked. Their escalation Team is also not responsive, might want to drop off this card due to their support.

EMI I can't comment as I m not a very big fan of Emis on credit card! Otherwise I never faced any issue with this card in payment or otherwise

 

[Cryptopsycho]

Can we use Priority Pass for domestic lounges (complementary usage).
Also, is SC Ultimate on Visa Infinite?

Priority pass can't be used for domestic lounges afaik. Further, even for international complimentary usage, u need to spend 20k in previous month.
SC ultimate is on Visa Infinite!!

 

[Pavan]

Even though am eligible am unable to get this card because of non serviceable city ..My office is in serviceable area but not my home ..Hope they consider tier2 cities.

 

[nitin007]

Can someone provide me the Phone number of Sales person for offline application of Ultimate card in Gurgaon Region TIA

 

[akshay_m]

Hi,

Can anyone please guide on how to get the points for the joining bonus? My bill got generated in August which had the joining fees, which is paid as well. However, I dont see the 6000 points which were supposed to added for the joining fees.

 

[Subhash]

Hi,

Can anyone please guide on how to get the points for the joining bonus? My bill got generated in August which had the joining fees, which is paid as well. However, I dont see the 6000 points which were supposed to added for the joining fees.

As I enquired with CS that would take 3 months to credit joining bonus points.

 

[ChurningNoob]

SC ultimate is indeed really worth! 3.3% return on literally everything without any exclusion!! And u get reward points for every rs 30 spent!! Just a no nonsense card which everyone should have!! Fee u may is just 900/- (for GST only, as u get equivalent 5000 reward points worth Rs 5000)-. Plus redemption catalogue is pretty vast. Not like infinia or DCB where u get 3.3% only over flights or hotel redemptions.
Use it where none of the card is giving benefits more than 3%.
My view, simply go for it!!

Does that include fuel transactions too?

 

[Cryptopsycho]

Does that include fuel transactions too?

yes. On fuel transactions also, u get 3.3% return. Just one point that there is no surcharge waiver on SC Ultimate. So net benefit would be 3.3% - Surcharge

 

[Darshanc14]

SC ultimate is indeed really worth! 3.3% return on literally everything without any exclusion!! And u get reward points for every rs 30 spent!! Just a no nonsense card which everyone should have!! Fee u may is just 900/- (for GST only, as u get equivalent 5000 reward points worth Rs 5000)-. Plus redemption catalogue is pretty vast. Not like infinia or DCB where u get 3.3% only over flights or hotel redemptions.
Use it where none of the card is giving benefits more than 3%.
My view, simply go for it!!

Does it include jewellery purchase as well with no upper limit?

 

[ltf4ever]

anyone here got this card ltf?

 

[Cryptopsycho]

Does it include jewellery purchase as well with no upper limit?

yes it does without any limit!!

 

[Darshanc14]

yes it does without any limit!!

Thanks for confirming. Makes it a great card for jewellery spends. Just hoping they give a good limit enhancement soon