runzone

Hi, I hold SCB Ultimate Card and card renewal is due on 8th Feb 2024. In current anniversary year I have spent around 7L on this card.

Is there even a bleak chance that SCB will consider converting my SCB Ultimate card from paid to LTF on the basis of my spends? Or at least waive off charges for upcoming renewal?

In case they dont do any of the above, neither LTF nor fee reversal, I am willing to close my card.

I am getting pre-approved personal loan from ICICI at 12.35% pa with loan amount of ₹1320000. Should I take it or leave it? If I dont take this loan will I get another PL offer with lower interest rate?