Standard Chartered Smart credit card and Ultimate card. Both LTF. Or any other card? Which one to get?

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Deal Cadet
AjgarJurraat

Getting offer for Standard Chartered Smart credit card and Ultimate card. Both LTF

1. How are SC credit cards? Are they worth it?

2. How are these credit cards? Smart one is cashback oriented (but with strange conditions on redemption).

Ultimate is reward based - but didn't feel rewards were worth it.

3. Which are best credit card by SC - for rewards and cb?

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Deal Subedar Deal Subedar
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If you know how to use credit cards, both cards are worth keeping. 

Deal Cadet Deal Cadet
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What are the benefits of Ultimate one?
I'm failing to see how well should I be optimising it? Though they give 5RP every 150 rs but it can be redeemed as per their catalogue only.
Any other thoughts?
Post Mogul Post Mogul
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If you are getting LTF Ultimate, you should go for it. Its the best card at SC..though I have never heard Ultimate as LTF.
Deal Cadet Deal Cadet
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How are you getting them as lifetime free, you have bank account with them?

Deal Cadet Deal Cadet
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From where you got the offer for LTF. Do you hold savings account with them

Deal Cadet Deal Cadet
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No I don't hold any saving account. I got a call from a typical telemarketer where he seemingly confirmed from his senior that LTF is applicable for me.

Given the benefits currently, I don't feel Ultimate is worth it even if it's LTF.
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Commentator Commentator
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Ultimate is sure not an LTF
Deal Cadet Deal Cadet
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Will drop the proposal altogether

Deal Lieutenant Deal Lieutenant
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Ultimate LTF 

FAKE

Dont Take 

Deal Subedar Deal Subedar
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bhai tmko SC LTF ar IDFC wealth bhi, sb whi telemarketer de rha h? 😄

Deal Cadet Deal Cadet
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different people
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