Standard Chartered Super Value Titanium Credit Card
Cashback
Fuel
1st Year Fee: ₹750* Plus Applicable Taxes
Cashback
5% cashback on utilities and phone bills
Fuel Benefits
5% cashback on all fuel spends
Reward Points
1 reward point per Rs. 150 spent
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About Standard Chartered Super Value Titanium Credit Card
Standard Chartered Super Value Titanium is an entry-level credit card primarily offering benefits across fuel and utility spends. It is among the few credit cards in India that offer benefits on fuel without being in co-branded partnership with a fuel refinery. Value-back on primary categories is offered in the form of direct cashback, with separate capping on each category. On other spends, cardholders earn reward points. At an annual fee of Rs. 750, Standard Chartered Super Value Titanium Credit Card is slightly costlier than other cards in this category. Read on to know about its features and benefits and a comparison with other fuel and entry-level cards.
Note: This card is not available on Paisabazaar. Content on this page is for information purpose only.
Cashback and Rewards Program
With Standard Chartered Super Value Titanium Credit Card, consumers can earn accelerated cashback on the following spends:
- 5% cashback on fuel spends1 of Rs. 2,000 or below
- 5% cashback on utility bill payments2 of Rs. 750 or more
- 5% cashback on phone bill payments3 above Rs. 750
- 1 reward point for every Rs. 150 spent across other categories
- Reward points are redeemable against vouchers, discounts and other offers from Standard Chartered Bank’s Rewards Catalogue
Note: Standard Chartered Bank’s Premium Banking Customers can get a complimentary Super Value Titanium along with a complimentary Priority Pass Membership.
Suggested Read: Best Credit Cards for Utility Bill Payments
Fees and Charges
| Particulars | Amount | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 750 | ||||||||||||
| Annual Fee | Rs. 750 | ||||||||||||
| Finance Charges | 3.75% p.m. (45% p.a.) | ||||||||||||
| Cash Withdrawal Fee | 3% of cash withdrawal amount subject to a minimum of Rs. 300 | ||||||||||||
| Rewards Redemption Fee | Nil | ||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You wish to save on fuel without restricting to a particular brand
The cards you own do not offer value-back on utility spends but you wish to save on this category
You are not looking for travel, shopping, dining or movie benefits
You are Standard Chartered Bank’s Premium Banking Customer
Eligibility Criteria
Occupation: Salaried or Self-employed
Age: Between 21 and 65 years
Minimum Income: Rs. 55,000 per month
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What do we like about this card?
Offering accelerated cashback on three everyday categories – fuel, utility and phone bills – Standard Chartered Super Value Titanium Credit Card secures a spot in the list of best entry-level credit cards. Unlike fuel credit cards, the value-back is not limited to a fuel refinery, allowing cardholders to save on all fuel spends, irrespective of the brand. Moreover, utilities and phone bills are excluded from most credit card rewards program. Since this card provides accelerated value-back on these categories, it could be a good addition to your wallet.
Pros
- 5% cashback on fuel, telephone & utility bills
- Reward points on other eligible spends
- Complimentary Priority Pass membership for Premium Banking customers
Cons
- Low monthly capping on cashback earning
- Poor reward rate on spends beyond the primary categories
- Condition to meet minimum transaction value to be eligible for cashback
Conclusion
While the bank promotes Super Value Titanium as a fuel credit card, capping of Rs. 200 p.m. on fuel spends limits the saving potential, especially when co-branded fuel credit cards in the market offer up to 8.5% returns on this category. Hence, consumers who wish to save on fuel should consider co-branded fuel cards like Indian Oil RBL Bank XTRA or BPCL SBI Card Octane. Base reward rate on Super Value Titanium is also relatively low when compared with cards like Amazon Pay ICICI Card or HDFC Moneyback+ Credit Card. Despite the capping, the card remains a good choice for utility spends.
Frequently Asked Questions
Everything you need to know about this credit card
Yes, Standard Chartered Super Value Titanium credit card provides the facility of ‘Balance Transfer’ through which you can transfer your outstanding balance on any other bank’s credit card. The card allows transferring other credit card balance of up to Rs. 5 Lakh, at an interest rate of 0.99% for first six months.
To apply for Standard Chartered Super Value Titanium credit card, you need to provide government approved photo ID proof like Aadhaar Card, PAN Card, Voter ID card, etc. You will also have to provide address proof and income proof documents.
Yes. All transactions made in any foreign currency will attract a 3.5% forex mark-up fee. GST will also be applicable on the fee amount.
Yes. You can get an add-on card on the Super Value Titanium Credit Card. However, minimum age of the add-on cardmember should be 18 years.
You can convert your outstanding amount into EMI through net banking or mobile app. Minimum spends of Rs. 2,000 can be converted. Tenure ranges from 3 months to 60 months and the interest rate starts from 0.99% per month.
Footnotes
- Cashback on fuel spends is capped at Rs. 100 per transaction and maximum cashback of Rs. 200 can be earned in a month.
- Cashback on utility bill payment is capped at Rs. 100 per month.
- Cashback on phone bill payment is capped at Rs. 100 per month.
Click here to know More Terms and Conditions
Rupanshi Thapa
Rupanshi is a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidence– whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.
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2 Comments
Is there any charge for utility payment by standard chartered credit card.if yes what is the limit
No, there is no processing fee applicable on utility bill payments made using the Standard Chartered credit cards.