Makes sense to get a paid SC Ultimate? (Already have LTF DCB and LTF Eterna)

[spatone]

Hi team,

My paid card portfolio currently stands as:-

1. AmEx MRCC (Used for monthly rewards)
2. AmEx Platinum Travel (Used for one time large purchases)
3. SC Manhattan (Used for 5% cashback on grocery, but hardly hit the renewal fee waiver spends)
4. Axis Ace (Used for all the places where AmEx Plat Travel and HDFC DCB are not accepted)
5. Citi Indian Oil (Very easy to reach fee reversal with fuel alone)
6. SBI SimplyClick (Used for SBI offers mostly)

I already have two supposedly Super Premium cards HDFC DCB (used for offline spends) and BoB Eterna (used for online spends).

My strategy going forward will be surrendering Axis Ace, SC Manhattan and SBI Simplyclick, and get the SC Ultimate instead. I will be using the SC Ultimate at all the offline places where my DCB / AmEx is not accepted. My Questions are:

1. Does this makes sense? I feel my portfolio is already cluttered and reducing the number of paid cards is only going to make it better
2. I will get renewal benefits on SC Ultimate every year even if I am unable to hit any milestones?

 

[AllSeeker]

Just got an email confirmation from BOB CC Team; they have issued the Eterna as LTF

Congrats!!

 

[souvikdey2002]

Just got an email confirmation from BOB CC Team; they have issued the Eterna as LTF

Congratulations!!!
One more Eterna LTF in the House.

 

[souvikdey2002]

'The income of 20 Lakhs/Annum then he/she must be eligible for Eterna LTF' part should be not true. Did not work for me despite the salary slips & ITR showing the same.

That's one of the factor.
You need to have very good depth of credit along with Solid re-payment History to back you up.

 

[hariselio]

Just got an email confirmation from BOB CC Team; they have issued the Eterna as LTF

Congrats! Did you apply eterna on C2C basis?

 

[chinmay]

Congrats! Did you apply eterna on C2C basis?

Nope; had applied for Eterna online on BOBs website and submitted bank statements.

 

[hariselio]

Nope; had applied for Eterna online on BOBs website and submitted bank statements.

Lucky you .

I also applied same way and I already have BOB account, no physical verification was done. Received with 3L limit, but it's not LTF Customer support says, LTF is only for 30L+ ITR.

 

[wolfdalalstreet]

Lucky you .

I also applied same way and I already have BOB account, no physical verification was done. Received with 3L limit, but it's not LTF Customer support says, LTF is only for 30L+ ITR.

Did the customer care give this in writing that the ITR needs to be above 30 L?

 

[hariselio]

Did the customer care give this in writing that the ITR needs to be above 30 L?

it was on call and three different people(all on calls to CC) gave me the same answer.

 

[hariselio]

But many got it without the condition

Seems to be...

 

[chinmay]

Lucky you .

I also applied same way and I already have BOB account, no physical verification was done. Received with 3L limit, but it's not LTF Customer support says, LTF is only for 30L+ ITR.

I don’t have BOB account nor do I have 30L+ ITR

Infact I’m offered very low limit as per my expectations; just 1L

You can try asking them if they can converts your to LTF

 

[sunnyhere]

There are 2 problems with SC Ultimate which you should keep in mind before going to apply for SC Ultimate:
1. The redemption options are very limited and generally require 10k points and above for redemption. Redemption charges of 99+taxes apply
2. International Lounge access is complimentary only if 20k spent in the previous month on the card

If this is fine, the card is perfect for any transaction offline or online.

 

[sahil624]

Just got an email confirmation from BOB CC Team; they have issued the Eterna as LTF

Hi, on which mail ID did you request them to issue Eterna for LTF?

 

[Harry1]

Lucky you .

I also applied same way and I already have BOB account, no physical verification was done. Received with 3L limit, but it's not LTF Customer support says, LTF is only for 30L+ ITR.

To me, they clearly declined. Said it's LTF only for radiance customers irrespective of any salary.

 

[MAS]

Hi, so can anyone confirm please, do we get unlimited domestic airport lounge access for addon card also, thx in advance

 

[chinmay]

Hi, on which mail ID did you request them to issue Eterna for LTF?

Eterna@bobfinancial.com

I did not request them to convert my card to LTF; they had issued it automatically, I just reached out to them to seek written confirmation.

 

[pranavcool]

Eterna@bobfinancial.com

I did not request them to convert my card to LTF; they had issued it automatically, I just reached out to them to seek written confirmation.

They did by mistake you got lucky in the lottery thanks to overwhelming applications at that time they had now rush is over for them

 

[pranavcool]

Nothing is by lottery

bro they did by mistake i meant

 

[gpbs11]

I

Eterna@bobfinancial.com

I did not request them to convert my card to LTF; they had issued it automatically, I just reached out to them to seek written confirmation.

I guess previous credit history/ loan with them does help even if you have slightly less itr/salary than required as it happened in my case.

 

[hariselio]

I

I guess previous credit history/ loan with them does help even if you have slightly less itr/salary than required as it happened in my case.

Not exactly, I'm having more than 15 years relationship with BoB with two completed loans and one active loan currently, still my eterna is not LTF .

 

[gpbs11]

Not exactly, I'm having more than 15 years relationship with BoB with two completed loans and one active loan currently, still my eterna is not LTF .

Ok. Maybe it varies from case to case. I Just shared my experience with them