Is SC Platinum Rewards LTF Credit Card Worth It?

With a lifetime free credit card, you don’t have to pay an annual fee as long as you have it. Almost every bank in India offers lifetime free credit cards with excellent benefits. This means you can enjoy the benefits and rewards of the card without worrying about any yearly charges. It’s an excellent option for those who want to save on fees while taking advantage of credit card benefits. Whether you’re buying groceries, filling up on gas, or dining out the Standard Chartered Platinum Rewards Lifetime Free Credit Card can help you earn points on your purchases, all without the burden of an annual fee.

SC Platinum Rewards Credit Card

The Standard Chartered Platinum Rewards Credit Card is free for a lifetime, making it an attractive offer for potential credit card users. This card has no annual charges but carries a joining charge of Rs. 250, which can be waived by spending Rs. 500 in the first 30 days of card issuance. This card is best suited for dining, where you’ll get 100% cashback on dining spending within 90 days of card issuance. For every Rs. 150 spent on all categories, you’ll get one reward point, and for every Rs. 150 spent on dining and fuel transactions, you’ll get five reward points. The reward points can be redeemed against retail items and vouchers at 1 RP = Rs. 0.25. There are no welcome or travel benefits with this card, nor are there any milestone benefits. The Platinum Rewards card is a virtual card as well as a physical card.

Benefits of Platinum Rewards Credit Card

The benefits of the Platinum Rewards credit card are as follows:

• On spending Rs. 150 on dining, earn 5 reward points.
• On spending Rs. 150 on fuel, earn 5 reward points.
• On spending Rs. 150 on other categories, earn 1 reward point.
• The Platinum Rewards Credit Card has no annual fee, and the joining fee is waived upon spending Rs. 500 within the first 30 days of card issuance, making it a lifetime-free credit card.

Is the LTF Credit Card Worth It?

The SC Platinum Reward Credit Card has good benefits and rewards, but it is not worth it. There are better cards with exciting offers out there in the market. The biggest drawback of the Standard Chartered Platinum Rewards Credit Card is that they are not available all over the country. They are only available in some parts of the country, making it difficult for people in rural areas and even small towns to apply for it.

The IndusInd Legend Credit Card is way better than the SC Platinum Rewards Credit Card. This card has no joining or renewal fee, making it a lifetime-free card for potential credit card applicants. This card offers better benefits, such as BOGO offers on movie tickets and complimentary airport lounge access. There are many better options than the SC Platinum Rewards Credit Card

Conclusion

The SC Platinum Rewards LTF Credit Card allows you to enjoy rewards and benefits without worrying about annual fees, making it a great option for those who want to save money. However, it’s important to consider its advantages and limitations before deciding to apply for this card. Since it may be unavailable in certain regions, there may be better options, such as the IndusInd Legend Credit Card or AU Bank Altura + Credit Card. To choose the right credit card for you, it’s important to consider your spending habits and financial goals. Ultimately, you should choose the credit card that best matches your lifestyle and is more beneficial for you.