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SC Ultimate (Standard Chartered Ultimate) Upgrade Suggestion

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anish1516

anish1516

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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?
 
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Got a nice package from standard chartered. My primary standard chartered supervalue titanium card was upgraded to Ultimate. In the process the add on card remained super value titanium getting best of both cashback and reward points.
 
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pjrockzzz said:
Thankyou, I want to take Ultimate Card, in which they say 1 Reward point is 1 rupee, is it for the statement? Can I redeem in cash or statement cycle?
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Only option is redeeming on those vouchers in the list. Take the card only if you like any of these vouchers.

Also min spend of 3L is required to accumulate 10K points for redemption against those vouchers. Spends will have to be more than 3-4L if you use card on special categories such as utilities, govt spends, education, rent etc
 
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vipin89 said:
I have again called two times today. Customer care is saying we can’t take request for card over call, you have to apply online only or via branch. She also said you as per policy you cannot own two Standard Chartered Cards.
1 Re authentication is not working anymore. They are blatantly ignoring customers saying we are not taking any requests for new card via customer care.
Has anybody succeed in applying 2nd card via customer care in recent times ?
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Not true, i have 2 SCB cards and both of them are core cards and not co-branded cards.
 
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sourpai said:
Only option is redeeming on those vouchers in the list. Take the card only if you like any of these vouchers.

Also min spend of 3L is required to accumulate 10K points for redemption against those vouchers. Spends will have to be more than 3-4L if you use card on special categories such as utilities, govt spends, education, rent etc
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Also will like to add here that there is no guarantee the vouchers you like today will be available when you are going to actually redeem them.
 
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Is the SC Ultimate rewards redemption still 1:1? They claim 1 RP is Re.1 in their t&c (https://av.sc.com/in/content/docs/in-ultimate-credit-card-tnc.pdf), but when I visit the rewards website mentioned in their tnc (https://retail.sc.com/in/rewards360/rewards_home/in), I only see 1:4 redemption options, which is a terrible reward rate.

I'm not sure if this is because I'm not logged in, or if they have updated their vouchers to reflect a new reward rate. Can anyone who has this card please confirm if their redemption is also 1:4 now or does it change to 1:1 if you have the Ultimate card?

1733207861071.webp
 
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Rambro101 said:
Is the SC Ultimate rewards redemption still 1:1? They claim 1 RP is Re.1 in their t&c (https://av.sc.com/in/content/docs/in-ultimate-credit-card-tnc.pdf), but when I visit the rewards website mentioned in their tnc (https://retail.sc.com/in/rewards360/rewards_home/in), I only see 1:4 redemption options, which is a terrible reward rate.

I'm not sure if this is because I'm not logged in, or if they have updated their vouchers to reflect a new reward rate. Can anyone who has this card please confirm if their redemption is also 1:4 now or does it change to 1:1 if you have the Ultimate card?

View attachment 76306
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You have not logged in that is why 😑
 
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vikramv4u said:
I am unable to see Uber, First Cry, Marriott, Taj.. what rubbish is the selection of rewards.. any suggestions on what to use it for?
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Selection of rewards became rubbish after devaluation. Marriot one was there couple of months back. It gets changed time to time. So, you will either have to wait it for again or select from the available ones. I can see ITC is still there.
 
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Last year I got 20K ITC vouchers by using SC Ultimate on MCCs where mostly other cards don't give any rewards (Govt, Wallet, Snapay etc.)

I called them up for cancellation this time, but they are ready to waive off the fees once it is charged next week. So I cancelled the request for cancellation. Lets see. Will update next week. I have a good CL on this card as well (9L)

Retention lady did tell me that their system upgradation work is still ongoing and they plan to bring some changes to the card in next couple of months including better redemption options. She told me to continue with the card for at least next 5-6 months and then decide. I know it is a story they repeat every time, but if they waive off the fees then I don't mind continuing it for another year
 
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The thing with Ultimate is its distinction as the only card to give points for transactions where other cards have stopped. These are regular transactions like utilities and govt.
The saving grace for me is that the supplementary card is super value titanium which gives 5% cash back.

also, in my case it is my oldest card. I wonder what magic is being woven by Stanchart in their servers that it’s taking so much time.
 
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