It is one of the best card for offline usage if one is not into travel and doesn’t mind dynamic brand specific redemptions. Uber, Decathlon, Pepperfry and Urban ladder are my go to options for redemption. No fuss with regards to acceptance either.Looks like SC ultimate is a really good card for non Smartbuy / Gyftr spends because it essentially gives 4.3% benefits when combined with HDFC billpay.
I have LTF DCB but thinking if I should get SC ultimate also and keep DCB only for accelerated RPs?