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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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I suppose they have a lot of old stock in rewards. The coming soon will happen when frustrated and desperate customers will use their points to redeem these outdated items. Then the new items will actually come soon.

I see smartwatches which are discontinued even on the brand website.

Standard chartered cards of other countries have much better propositions including airmiles.
 
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Pavan said:
This is the best part 🙂 my friend collected 25000 Points to redeem on a product and by the time he redeem product was taken out
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helloworld

Post in thread 'SC Ultimate (Standard Chartered Ultimate) Upgrade Suggestion'

I wasted my 3 years of valuable reward points on a vouchers which I not at all interested. Things changed slowly for the past 2 years and even though you're getting 5000 points for 6000 rs. Those points will be wasted if you not found proper redemption options.

Also, note redemption not as per your requirement but based on their denomination, so even if you have 5k points and your favourite voucher 10k points, you have to spend 5k extra as rupees which will further reduce the overrall reward rate you're getting from those points.

My suggestion, take cashback card from SC if you really...
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😡 We're only passing time, nothing improves in SC.
 
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sourpai said:
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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So my annual fee + GST got reversed once I told them that I wanted to close the card. I will be keeping the card for another year. Lets see if they are able to bring some good changes
 
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sourpai said:
So my annual fee + GST got reversed once I told them that I wanted to close the card. I will be keeping the card for another year. Lets see if they are able to bring some good changes
Click to expand...
Bladesmiths Not Happening GIF by DefyTV
 
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Just received my credit card statement. Another Statement, another interest and GST charge.

Planning to escalate to the RBI for compensation or convert to LTF and stop using it. (don't want to close since this is my oldest card).

Is it possible considering the charges have been wrongly levied every month since last year?
 
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jhanishdev said:
Just received my credit card statement. Another Statement, another interest and GST charge.

Planning to escalate to the RBI for compensation or convert to LTF and stop using it. (don't want to close since this is my oldest card).

Is it possible considering the charges have been wrongly levied every month since last year?
Click to expand...
which charges? any background?
 
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sourpai said:
So my annual fee + GST got reversed once I told them that I wanted to close the card. I will be keeping the card for another year. Lets see if they are able to bring some good changes
Click to expand...

sourpai said:
So my annual fee + GST got reversed once I told them that I wanted to close the card. I will be keeping the card for another year. Lets see if they are able to bring some good changes
Click to expand...
sourpai said:
Agree... not keeping any hopes. Just keeping since card is free for one year
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Forget changing the redemption
First they should start writing something new
Same copy paste reply since 2023
Not even single is changed

Optimum Name is the 1.5% card
 
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