Yes, u should apply for smart card first as SCB is very strict about income criteria of Ultimate. Probability of getting 4L is very moderate only. However if you got nothing to lose, u can apply. Enjoy 2% cb of smart till LE to reach 4L. That is what I am doing.
Do not apply for any other card, you can apply for SC ultimate if you have other credit card with minimum 4L limit.
Why is it so buzz about LTF? You don't get Super Premium Cards as LTF easily unless you have some connections or maintain high NRV with the bank.
If we have Hdfc regalia with 4L + limit, can we go for ultimate?
StanC never offers LTF on ultimate, since the card itself is just awesome,
they do accept HDFC bank card for c2c. but offline/branches might ask for income details as well.
i can share my own experience have applied sc smart cc cause of FYF(offer running on sc website till 31st august 2022) and then apply ultimate if existing limit on sc crossed 4laksh or 5 lakhs , I'm self employed and it been a week or so in 2 week more or so will know whether it approved or declined , for sc you need to be on their employee limit other wise not possible for salaried people to apply directly , if you have a sc saving a/c then check with them
did sc smart cc got approved instantly for you, are you salaried or self-employed?
Do you think applying online would be better via c2c? Also does the online process of SC allows C2C application?
ok how many days did it took? or weeks?
Thanks for the advice. Can I apply C2C online and should there be a minimum age of the card(age of the existing card) ?
yes you can apply online, but better apply offline. 1 year old card.
But if we apply online, as you mentioned, they may ask for income docs. Since i do not qualify for your income criteria, but qualify for c2c (Having regalia with 4L+ limit).
That's why I said apply offline 🙂
Sorry, got a little bit confused, thanks for the help.
