Standard Chartered Super Value Titanium Credit Card

Name: Standard Chartered Super Value Titanium Credit Card
Brand: Standard Chartered
Price: 750 INR
Availability: InStock
Rating: 3 (1 reviews)

Overview

Standard Chartered's Super Value Titanium Credit Card targets everyday recurring expenses. The card pays 5% cashback on three high-frequency categories: fuel purchases, telephone bills, and utility bill payments. With maximum annual savings of ₹6,000 through cashback alone and a low ₹750 fee that gets waived at ₹90,000 annual spend, the card provides strong return on regular household spending.Fuel cashback applies at all petrol stations on transactions of ₹2,000 or below, with a cap of ₹100 per transaction and ₹200 per month. Phone bill cashback kicks in on payments above ₹750, also capped at ₹100 per transaction and ₹200 monthly. Utility bill cashback follows the same ₹750 minimum but caps at ₹100 per month. All fuel cashback gets credited to the SC 360 Rewards portal rather than directly to the card statement.Beyond cashback, all other spending earns 1 reward point per ₹150, redeemable through Standard Chartered's 360 Rewards catalog for vouchers and discounts. The card supports contactless payments on the Mastercard network and integrates with digital payment options including UPI, BharatQR, and Samsung Pay. An EMI conversion facility lets you split purchases above ₹2,000 into monthly installments through online banking or the SC Mobile app.Applicants need a minimum monthly income of ₹55,000 and must be aged 21 to 65 years. The card is available in Standard Chartered's sourcing cities across India. Supplementary cards come free with no joining or annual charges. Premium Banking customers receive the card complimentary and get additional Priority Pass lounge access, though standard cardholders do not receive lounge benefits.

Pros

↑Up to ₹6,000 annual cashback across fuel, telephone, and utility bills at a 5% rate across all three categories
↑Low ₹750 annual fee that gets waived on just ₹90,000 yearly spending, making it effectively free for most active users
↑Free lifetime supplementary cards for family members with shared credit limit and no additional annual charges

Cons

↓Only 1 reward point per ₹150 on non-category spending, giving minimal value outside fuel and bill payments
↓No airport lounge access for standard cardholders, with lounge benefits restricted only to Premium Banking customers
↓Monthly cashback caps are low (₹200 on fuel, ₹200 on phone, ₹100 on utility), limiting returns for high spenders

Key Highlights

Welcome Offer
5% cashback on fuel, phone, and utility bills
5% cashback on fuel (max ₹200/month)
5% cashback on telephone bills (max ₹200/month)
5% cashback on utility bills (max ₹100/month)
Total annual cashback up to ₹6,000

Reward Rate
Up to ₹6,000 annual cashback savings
Fuel: ₹2,400/year (₹200/month cap)
Phone bills: ₹2,400/year (₹200/month cap)
Utility bills: ₹1,200/year (₹100/month cap)
Cashback credited to SC 360 Rewards portal

Minimum Salary
₹55,000 minimum monthly income needed
Age: 21 to 65 years for primary cardholder
Add-on cardholder: 18 years or above
Must be in Standard Chartered sourcing cities

Joining Fee
₹750 joining fee
Same for first year and subsequent years
Supplementary card joining fee: Nil
GST applicable on all fees

Annual Fee
₹750 annual fee (waived at ₹90,000 spend)
Annual retail spend of ₹90,000 needed for waiver
Supplementary card annual fee: Nil
GST charged on all fees as applicable

Why Choose?
Free supplementary cards for family
No joining or annual fee for add-on cards
Add-on cardholder must be 18+ years
Shares primary card credit limit
No separate limit for add-on card

Key Benefits

Bill Payment

★4.5

▼

5% cashback on telephone bills (transactions above ₹750)
5% cashback on utility bills (transactions above ₹750)
Phone bill cashback: up to ₹200 per month (₹2,400 per year)
Utility bill cashback: up to ₹100 per month (₹1,200 per year)
Use Standard Chartered bill pay platforms for eligibility

Cashback

★4.0

▼

Total annual cashback up to ₹6,000 across fuel, phone, and utility categories
5% rate applies equally across all three eligible categories
Per-transaction cap of ₹100 on all cashback categories
Fuel cashback credited to SC 360 Rewards portal
No cashback on general retail or online purchases

Fuel

★4.5

▼

5% cashback on fuel at all petrol stations across India
Each fuel transaction must be ₹2,000 or below to qualify
Maximum cashback of ₹100 per transaction
Monthly fuel cashback cap of ₹200 (₹2,400 per year)
Cashback credited to SC 360 Rewards portal

Lifestyle

★2.0

▼

Contactless Mastercard with tap-and-pay functionality
Digital payments via UPI, BharatQR, IMPS, and Samsung Pay
Online banking and SC Mobile app for card management
Dial-a-Loan facility up to ₹5,00,000 at 0.99% per month
Balance transfer from other banks at 0.99% per month for 6 months

Reward Points

★2.0

▼

1 reward point earned per ₹150 spent on non-category purchases
Points redeemable through 360 Rewards catalog for vouchers and discounts
₹99 handling charge applies per reward redemption
No accelerated earning on any specific spending category
Low earn rate compared to dedicated rewards cards

Detailed Information

Joining Fee	₹750
Annual Fee	₹750
Annual Fee Waiver	Waived on ₹90,000 annual retail spend
Monthly Percentage Rate	3.75%
Annual Percentage Rate	45%
Minimum Monthly Payment	5% of outstanding or ₹250, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	₹0 (up to ₹100 outstanding) to ₹1,200 (above ₹10,000 outstanding)
Overlimit Charges	₹500 or 2.5% of overlimit amount, whichever is higher
Cash Advance Fee	3% of withdrawal amount (min ₹300)
Balance Transfer Fee	0.99% per month for first 6 months
Fee For Supplementary Card	Nil (lifetime free)
Card Replacement Fee	₹250
Fee For Duplicate Statement	₹125 per statement (if older than 1 month)
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-65 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	₹6,60,000 per annum (₹55,000 per month)
Minimum Annual Income Self Employed	₹6,60,000 per annum (₹55,000 per month)
Minimum Credit Score	Not specified by the bank

Identity Proof	PAN Card Passport Voter ID Card Government issued photo ID
Address Proof	Aadhaar Card Passport Driving License Voter ID Card NREGA job card signed by State Government officer
Income Proof Salaried	Latest 1 month salary slip
Income Proof Self Employed	Latest IT Returns with computation of income Certified financial statements Business continuity proof

Frequently Asked Questions

The annual fee is ₹750 for both the first year and renewal. It gets waived if your annual retail spending reaches ₹90,000.

You earn 5% cashback on fuel purchases at all petrol stations in India. Each transaction must be ₹2,000 or below to qualify. Cashback caps at ₹100 per transaction and ₹200 per month. The cashback gets credited to the SC 360 Rewards portal.

The maximum fuel cashback is ₹200 per month, totaling ₹2,400 per year. Each individual transaction is capped at ₹100 cashback.

You earn 5% cashback on telephone bill payments above ₹750. Cashback caps at ₹100 per transaction and ₹200 per month, giving you up to ₹2,400 per year.

You earn 5% cashback on utility bill payments with a minimum transaction amount of ₹750. Cashback caps at ₹100 per transaction and ₹100 per month, totaling ₹1,200 per year.

The maximum annual cashback is ₹6,000: ₹2,400 from fuel, ₹2,400 from telephone bills, and ₹1,200 from utility bills.

All purchases outside fuel, telephone, and utility categories earn 1 reward point per ₹150 spent. Points can be redeemed through the Standard Chartered 360 Rewards catalog for vouchers and discounts.

The Super Value Titanium Credit Card runs on the Mastercard network and supports contactless tap-and-pay transactions at all Mastercard terminals.

Yes. Supplementary cards are free with no joining or annual charges. The add-on cardholder must be at least 18 years old. The add-on card shares the primary card's credit limit with no separate allocation.

No. The add-on card shares the same credit limit as the primary card. There is no separate limit allocated for the supplementary cardholder.

All overseas transactions carry a 3.5% transaction fee. This includes charges from Mastercard for converting foreign currency transactions into INR. Transactions at merchant establishments registered overseas, even if the merchant is in India, attract a 1% charge from Mastercard included in the statement amount.

You need a minimum stable monthly income of ₹55,000 (₹6,60,000 per year) to apply for this card.

The primary cardholder must be between 21 and 65 years old. Add-on cardholders must be at least 18 years old.

Yes. The card has Mastercard contactless technology for quick tap-and-pay transactions at enabled terminals. Enhanced security is maintained through 3D Secure OTP verification for online purchases.

Yes. Purchases above ₹2,000 can be converted into monthly installments through Kuch Bhi on EMI via online banking or the SC Mobile app. Flexible tenure options are available with competitive pricing.

You can transfer outstanding balances from other bank credit cards up to ₹5,00,000. The interest rate is 0.99% per month for the first 6 months.

Dial-a-Loan lets you avail loans on your credit card up to ₹5,00,000 with tenure ranging from 12 to 60 months, starting at an interest rate of 0.99% per month.

Standard cardholders do not receive airport lounge access. Premium Banking customers holding this card get 1 complimentary international lounge visit per month through Priority Pass, subject to Premium Banking qualification criteria. No domestic lounge access is included.

You need identity proof (PAN Card, Passport, Voter ID, or Government photo ID), address proof (Aadhaar, Passport, or Driving License), a recent passport-sized photograph, and income proof. Salaried applicants need the latest 1 month salary slip. Self-employed applicants need IT returns and business continuity proof.

Yes. You can apply through the Standard Chartered website and get an instant in-principle decision. A bank representative contacts you to complete documentation. You can also finish KYC online through video verification.

VKYC (Video KYC) lets you complete your identity verification through a video call from home when applying for the card online. This eliminates the need for physical document submission and makes the application process fully contactless.

A processing fee of 1% plus applicable taxes applies to all rental transactions under Merchant Category Code 6513. This fee is separate from any charges applied by the merchant at the time of transaction.

Late payment charges are: ₹0 for outstanding up to ₹100, ₹100 for ₹101 to ₹500, ₹500 for ₹501 to ₹5,000, ₹700 for ₹5,001 to ₹10,000, and ₹1,200 for above ₹10,000. An additional ₹100 applies if the minimum amount due goes unpaid for 2 or more consecutive months.

The monthly interest rate is 3.75%, which translates to an annual percentage rate (APR) of 45%. Interest applies from the transaction date if the total outstanding is not paid by the due date. Cash transactions also attract 3.75% monthly interest. The interest-free credit period ranges from 18 to 55 days depending on your payment due date.

Standard Chartered 360 Rewards is the bank's rewards portal where you can redeem earned reward points for vouchers, discounts, and other benefits. Fuel cashback also gets credited to this portal. A handling charge of ₹99 applies per redemption toward courier and processing.

Overview

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Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

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