Standard Chartered Ultimate Credit Card vs ICICI Amazon Pay Credit Card — which is better for dining and restaurants?
Gaurav Joshi
Asked 7 Apr 2026
I'm stuck between Standard Chartered Ultimate Credit Card and ICICI Amazon Pay Credit Card. Both seem good on paper. Which one is actually better for someone whose main spend is fuel?
2 Answers
I have had a hard time getting this card approved twice. The third time I applied after a 10% salary hike and got instant approval. Banks re-check eligibility every time. If you got rejected, improve your income proof / CIBIL and reapply after 6 months.
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
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