SC Ultimate (Standard Chartered Ultimate) Upgrade Suggestion

[anish1516]

Hello!!!

Recently I have been receiving calls to upgrade my Manhattan Card to Ultimate card. My Manhattan card is free and the Ultimate would cost Rs. 5000 plus taxes every year. Here they are offering 5000 reward points on every renewal without any conditions. So effectively the card costs me Rs. 900 approx. Now my query is should I go for it? Right now I have decent number of cards. Don't have too much utility expenses. Use my Infinia for offline shopping and SBI Cashback for Online. Please suggest if it's worth to pay fee for SC Ultimate?

 

[SSV]

I took SC Smart last year because it was said that it is a stepping stone towards Ultimate which was my ultimate goal. But over the last 10 months, SC Ultimate redemption options have gone so downhill that now I'm feeling content that I wasn't eligible back then because of the limit. (Even though now I am, but I'll pass)

Stay with Smart , and Be Smart !!

 

[Ram1]

If anybody support my case of ultimate card poor reward redemption options, please retweet it

 

[KLB@96]

After how many days can I apply second SC card ? mine got approved few days ago ease my trip . want to apply smart card as second. whats the process ?

 

[SSV]

After how many days can I apply second SC card ? mind got approved few days ago ease my trip . want to apply smart card as second. whats the process ?

Just call the cc and ask them for 2nd card process

 

[pprakash11]

After how many days can I apply second SC card ? mine got approved few days ago ease my trip . want to apply smart card as second. whats the process ?

Just apply on website with ₹1 authentication

 

[leonneel]

i suggest you to take SC smart as second card instead of ultimate , very poor reward redemption voucher in theirs portal , better go cashback cards

I had gotten 4 cards pre approved on my account, sc ultimate, sc smart and 2 other ...I chose sc smart over sc ultimate. Sc smart is best card from scb

 

[KLB@96]

Just apply on website with ₹1 authentication

yes I see it says to do that 1 rupee thing but the dialogue boxes wont work. unable to select those and proceed further tried phone and desktop also

 

[helloworld]

yes I see it says to do that 1 rupee thing but the dialogue boxes wont work. unable to select those and proceed further tried phone and desktop also

There are two links and you have to read / click those links, which gives option to check and confirm. I belive its not difficult.

 

[_thekingpin]

How did you get Manhattan card for free?

 

[Animal]

Now Uber is also not available for redemption. This card should feature at the top in the worst cards of 2024 list.

 

[apindersingh]

Depends on your use case.

Best part is
1) No capping on reward points
2) Points get credited as soon as transaction is settled
3) You get reward points on all transactions except fuel.

Worst part is points redemption.

I’ve redeemed points mostly for FirstCry and Uber.

Hope this helps.

For first cry is It 1:1?

 

[apindersingh]

Does that mean SC card holders have to pay 499+GST ?

 

[AlgoTrader]

For first cry is It 1:1?

firstcry is gone now

 

[helloworld]

Does that mean SC card holders have to pay 499+GST ?

If you interpreted something else, could you share? it helps others who may have similar doubt to better clarification.

 

[apindersingh]

If you interpreted something else, could you share? it helps others who may have similar doubt to better clarification.

I thought they have written it wrong, should that not be free for SC card holders

 

[apindersingh]

There are two links and you have to read / click those links, which gives option to check and confirm. I belive its not difficult.

How much they take to process the card this way, I mean no confirmation they have given ?

 

[helloworld]

How much they take to process the card this way, I mean no confirmation they have given ?

within week, you'll get approval or rejection, nothing else.

I thought they have written it wrong, should that not be free for SC card holders

not free.

 

[apindersingh]

I got this as a link in my MSG box for smart cc
Does this means it's LTF ?

 

[Pavan]

@S S V @Bigde

Need a help

Got a offer for SC ultimate i already hold DCB
and my max spends is on diffrent cards

Please suggest if i can go for ultimate

 

[SSV]

@S S V @Bigde

Need a help

Got a offer for SC ultimate i already hold DCB
and my max spends is on diffrent cards

Please suggest if i can go for ultimate

Ultimate is really a waste card.. look at redemption options.. pathetic.. what’s the point in having good number of reward points when all you can do with those RPs is redeem them to pathetic vouchers you never ever use..
Only card worth having in SC portfolio is SC smart.. all others are almost equivalent to Garbage