Is Standard chartered Ultimate really worth ?

[sauchadh]

I see many of you hold Standard chartered Ultimate credit card. Is it really the worth ? 1st of all it is a paid card and we get equivalent 5000 points every year. Ofcourse GST we need to pay from our pocket. I see there are not many reward redemption option. Can someone throw light on this on how they redeem their points ? Are we getting an equivalent benefit in terms of fees we are paying ?
Also if you spend 150Rs you get 5 points. How about if someone spends less than 150 Rs would we still get points ? I am thinking if I should take this card or not . Any thoughts ?

 

[Wealth is my birth right!]

Now am feeling happy on the other side am feeling sad too 🙁 i went till PNO for approval.. it is still in progress.. now thinking not to take the card

They won’t approve easily so no worries

 

[Ram1]

Bharatnxt transactions are being considerated as rent in sc ultimate?

 

[hungryPanda]

when are annual points credited

 

[Wealth is my birth right!]

when are annual points credited

Once u pay the fee

 

[RupayMan]

Once u pay the fee

Once paid the full fee i guess, first month only 5000 charged, GST in next month, i don't know what is this practice.

 

[Wealth is my birth right!]

Once paid the full fee i guess, first month only 5000 charged, GST in next month, i don't know what is this practice.

Yes they give comfort for us to pay gst in next month bills but delay for a month for the 5k points

 

[RupayMan]

Yes they give comfort for us to pay gst in next month bills but delay for a month for the 5k points

I just saw someone posted as it would take 3 months to credit

 

[Wealth is my birth right!]

I just saw someone posted as it would take 3 months to credit

Mnc bank na they want to do things differently
In my case it’s not ultimate other card some rewards I got after 160 days email follow ups finally got it but

 

[rogerthat]

Now am feeling happy on the other side am feeling sad too 🙁 i went till PNO for approval.. it is still in progress.. now thinking not to take the card

Bro I went all the way till RBI Ombudsman for an application process that took 5 months but still rejected.

 

[hungryPanda]

Once u pay the fee

how do they consider that , like i have maid the card payment already week is over but no changes on points should i wait for another statement

 

[RupayMan]

how do they consider that , like i have maid the card payment already week is over but no changes on points should i wait for another statement

I just told earlier it will take 3 months. I am also paid first month bill and waiting for points

 

[sridharkett]

Can we get ultimate on card to card basis, having hdfc credit with 4.2 limit kotak 4.5 L

 

[anirban.choudhuryanirban.choudhury is verified member.]

Can we get ultimate on card to card basis, having hdfc credit with 4.2 limit kotak 4.5 L

Yes
4 lakh is ok

 

[RupayMan]

Can we get ultimate on card to card basis, having hdfc credit with 4.2 limit kotak 4.5 L

But you won't get higher credit for ultimate with just 4L, i got with 1.5L only since my HDFC card doesn't show actual limit in cibil( they are top in this kind of things) even though is nearly 8L. A Ultimate card without Ultimate Credit limit in my case.

 

[Wealth is my birth right!]

how do they consider that , like i have maid the card payment already week is over but no changes on points should i wait for another statement

Gst part u will be paying in next bill right post which call cc they will credit soon
Else 3 months normally they take

 

[hungryPanda]

Gst part u will be paying in next bill right post which call cc they will credit soon
Else 3 months normally they take

they charged me GST also in same statement will call them today

 

[jeevanraj]

Since Croma vouchers have been removed from their redemption portal, I think i'm not gonna renew my Ultimate card this year unless there are any other great redemption options.

 

[RupayMan]

Since Croma vouchers have been removed from their redemption portal, I think i'm not gonna renew my Ultimate card this year unless there are any other great redemption options.

I feel the same, couldn't much useful for me too.. Closing on 11th month will not incur any renewal charges right.

 

[GojouKun]

Croma vouchers are removed 😞,
No rewards on Nps, time to close this card as well

 

[sun196]

Croma vouchers are removed 😞,
No rewards on Nps, time to close this card as well

Why no rewards for NPS? The recent devaluation cut the reward rate to 2% for govt spends. So NPS should fall under this, right?