Our Money Guide

Standard Chartered Super Value Titanium Credit Card gives attractive cashback on fuel purchases, phone bills and utility bills – but only on low purchase amounts.

Brief Summary

Our Rating
4.0 / 5

Our View :

5% cashback on fuel, phone bills and utility bills but only on low monthly spend amounts – monthly fuel purchases of ₹4000 , monthly phone bill payments of ₹4000 , and monthly utility bill payments of ₹2000.

Welcome offer of ₹1500 compensates for the 1st year annual fee , while annual fee from the 2nd year onwards is not charged if you spend ₹90000 or more in the previous year.

For premium banking customers only, there are 2 special offers. The card is lifetime free, and you also get complimentary access to international airport lounges once per month provided you have spent a minimum of 10000 in the previous month.

on Standard Chartered Bank website

Standard Chartered Super Value Titanium Credit Card 

Special Benefits

5% cashback on fuel purchases, phone bills, and utility bills

Other Benefits

Complimentary airport lounge access abroad

Minimum Income

₹55000 per month

Annual Fee

₹ 750

Annual Fee Offers

Welcome offer worth ₹1500
Renewal fee waived at ₹50,000 annual card spend

Standard Chartered Super Value Titanium Credit Card  : Summary Table

5% cashback on fuel purchasesYou get 5% cashback on fuel expenses (including fuel surcharge) :
– only on fuel transactions below ₹2000 (since maximum cashback per transaction is capped at ₹100), AND
– only on fuel purchases upto ₹4000 per month (since maximum cashback per month is capped at ₹200)
Both conditions need to be met to get 5% cashback on fuel purchases.
5% cashback on phone bill paymentsYou get 5% cashback on phone bills :
— only on bill transactions between ₹750 and ₹2000 (since maximum cashback per transaction is capped at ₹100, and minimum transaction amount required is ₹750)
– only on bill payments upto ₹4000 per month (since maximum cashback per month is capped at ₹200)
– Payment needs to be made through StandChart’s Billpay platform
All the above conditions need to be met to get 5% cashback on phone bill payments.
5% cashback on utility bills paymentsYou get 5% cashback on utility bills :
– only on transactions between ₹750 and ₹2000 (since maximum cashback per transaction is capped at ₹100, and minimum transaction amount required is ₹750)
– only on bill payments upto ₹2000 per month (since maximum cashback per month is capped at ₹100)
– Payment needs to be made through StandChart’s Billpay platform
All the above conditions need to be met to get 5% cashback on utility bills payments.
0.16% benefits on all other purchasesYou earn 0.66 reward points worth ₹0.15 (15 paise) , on every ₹100 you spend on all other purchases.
– since 1 reward point = ₹0.25 or 25 paise.

– No reward points are given on returned purchases, disputed or unauthorized/fraudulent transactions, finance charges, card account fees, cash withdrawals and charged back transactions.
₹750 annual fee 
Annual fee offers –
Welcome offer worth ₹1500 : Upon payment of 1st year annual fee, you receive 100% cashback (up to ₹1500) on fuel purchases done within 90 days of card issuance.
Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹90,000 or more in the previous year.
Minimum income requirementStable income of ₹55,000 per month
Special benefits ONLY for Premium Banking customers of Standard Chartered
Complimentary airport lounge access outside India
Zero annual fee
Complimentary airport lounge access outside India – through Priority Pass
– Complimentary Priority Pass membership granting access to more than 1,000 airport lounges worldwide. For more details, visit Priority Pass Benefits.
– You get complimentary lounge visits , once per month , only if you have spent a minimum of ₹10,000 in the previous month on your card.

Zero annual fee
– your card is lifetime free.

Premium Banking qualification criteria
– Minimum monthly average FUM1 (funds under management) of ₹15 lakh, or
– Minimum monthly salary credit into Standard Chartered salary account of ₹1.5 Lakh, or
– Mortgage approved amount of ₹1 crore and above, in the first 12 months of commencement of Premium Banking relationship, and thereafter maintain a mortgage outstanding balance above ₹1 crore.
– If one family member meets the Premium qualification criteria, the other members of his/her family can enjoy Premium Banking benefits. Family members include, if single status, parents. In case of married status – spouse and children.

Pros and Cons of Standard Chartered Super Value Titanium Credit Card 

Pros

  • Good cashback rate on fuel purchases, phone bill payments and utility bill payments, though only on low spend amounts
  • Good welcome offer
  • Annual fee waiver spend target of ₹90,000 is achievable by utilising the 3 cashback categories

Cons

  • Monthly spend limits on the three 5% cashback categories are on the lower side

Comparison With Other Credit Cards

Features Yatra SBI Credit Card
Cashback Rates 0.25% – 1.5%

Other benefits Fuel Surcharge Waiver
Annual Fee ₹499 + Taxes

Annual Fee Offers Annual Fee Reversal on meeting ₹1,00,000 spends
Minimum Income Not Specified

Full Review of the Standard Chartered Super Value Titanium Credit Card 

Features & Benefits of the Standard Chartered Super Value Titanium Credit Card 

5% cashback on fuel purchases

Earning rewards : You get 5% cashback on fuel expenses (including fuel surcharge) :
– only on fuel transactions below ₹2000 (since maximum cashback per transaction is capped at ₹100), and
– only on fuel purchases upto ₹4000 per month (since maximum cashback per month is capped at ₹200)

Redeeming rewards : Cashback is automatically paid into your monthly credit card statement.

5% cashback on phone bills

Earning rewards : You get 5% cashback on phone bills :
– only on bill transactions between ₹750 and ₹2000 (since maximum cashback per transaction is capped at ₹100, and minimum transaction amount required is ₹750), and
– only on bill payments upto ₹4000 per month (since maximum cashback per month is capped at ₹200)
– Payment needs to be made through StandChart’s Billpay platform
– All the above conditions need to be met to get 5% cashback on phone bill payments.

Redeeming rewards : Cashback is automatically paid into your monthly card statement.

5% cashback on utility bills

Earning rewards : You get 5% cashback on utility bills :
– only on bill transactions between ₹750 and ₹2000 (since maximum cashback per transaction is capped at ₹100, and minimum transaction amount required is ₹750), and
– only on bill payments upto ₹2000 per month (since maximum cashback per month is capped at ₹100)
– Payment needs to be made through StandChart’s Billpay platform
– All the above conditions need to be met to get 5% cashback on utility bills payments.

Redeeming rewards : Cashback is automatically paid into your monthly card statement.

0.16% benefits on all other purchases

Earning rewards : You earn 1 reward point on every ₹150 you spend on all other purchases = 0.66 reward points , on every ₹100 you spend = ₹0.16 or 16 paise on every ₹100 you spend. Since 1 reward point = ₹0.25 or 25 paise.

– No reward points are given on returned purchases, disputed or unauthorized/fraudulent transactions, finance charges, card account fees, cash withdrawals and charged back transactions.

Complimentary Priority Pass Membership (Only for premium banking customers)

– Complimentary Priority Pass membership granting access to more than 1,000 airport lounges worldwide. For more details, visit Priority Pass Benefits.
– You get complimentary lounge visits , once per month , only if you have spent a minimum of ₹10,000 in the previous month on your card.

Standard Chartered Super Value Titanium Credit Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹750Welcome offer worth ₹1500 : Upon payment of 1st year annual fee, you receive 100% cashback (up to ₹1500) on fuel purchases done within 90 days of card issuance.
Renewal fee from 2nd year onwards₹750Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹90,000 or more in the previous year.

Hence the card is virtually lifetime free if you spend ₹50,000 or more each year.
No annual fee , only for Premium Banking customers of Standard Chartered Bank

Late payment fee

Late payment fees depends on the total payment due

Amount dueLate fee
Less than ₹100Nil
₹101 to ₹500₹100
₹501 to ₹5,000₹500
₹5,001 to ₹10,000₹700
₹10,001 to ₹25,000₹800
Over ₹25,000₹1200

Important note
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – Standard Chartered Super Value Titanium Credit Card Fees and Charges

Eligibility Criteria

Minimum agePrimary cardholders – 21 years
Add-on cardholders – 18 years
Maximum age65 years
Occupation Salaried, self-employed
Minimum income requirementsStable income of ₹55,000 per month
Credit scoreGood credit score, preferably above 700-750
LocationApplicant should be based in the credit card sourcing locations of the Standard Chartered bank

Application Process & Tracking Application Status

Step-by-step guide

Online application process 
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Standard Chartered Bank website. You can also visit official website of the bank and fill out the application form.

The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.
To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Approval timeline and tracking application statusIn most cases, the credit card decision would be communicated within 7-15 working days.

In certain cases, it could take longer, especially if the bank wants more information and documents from you.
Click here to track the status of your credit card application.

Necessary documents and verification

Required documents 
Identity proof (any one of the following photo cards) :
Passport
Voter Id Card
Govt ID
PAN card

Address proof (any one of the following documents with current residence address) :
Aadhaar card, passport
Driving license
Election/voter’s ID card,
Job card issued by NREGA duly signed by an officer of the state government,
Letter issued by the National Population Register containing details of name, address.

1 recent passport-sized photograph

Financial documents for salaried:
Latest one-month salary slip

Financial documents for self-employed:
Self-employed businessmen : Latest IT Returns with computation of income /certified financials, last business continuity proof.
Self-employed professionals : Latest IT Returns, business continuity proof.

Other Benefits for Cardholders

Kuch Bhi on EMI“Kuch Bhi on EMI” program converts purchases into EMIs for Standard Chartered credit cardholders.
You get attractive interest rates
Conversion options : Standard Chartered mobile app, online banking, or customer service helpline.
Flexible repayment tenure : 3 to 48 months.
Competitive processing fees & instant approval for conversion requests.
Dial-A-LoanLoan amount up to ₹5,00,000 (but within your credit limit)
No documentation or post-dated cheques required
Interest rate starting at 0.99% per month based on eligibility
Flexible tenures from 12 to 60 months
Bank transfer (NEFT) disbursement to Standard Chartered Bank or other bank’s savings account , within 3 working days
24/7 customer supportYour bank is always available; please click here for all the options to contact the bank.
Security featuresChip and PIN technology – security for offline transactions :
In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even if your card is lost, it is unlikely to be misused since BOTH the physical card and the PIN must be spent on the card.

Two-factor authentication – security for online transactions :
When making an online transaction, you approve your online transaction by using a One-time Password (OTP) you get on your mobile phone. Since only you know the OTP, the card is unlikely to be misused unless someone has access to your card details AND mobile phone. This ensures a safe online purchase experience.

SMS alerts and notifications – for both offline and online transactions :
For your peace of mind, you get free SMS alerts and notifications for all your credit card transactions. Hence you will know about all transactions on your card. In the unlikely scenario of misuse of your card, you would still get these alerts and notifications – which will help you immediately block your credit card.
Contactless paymentLook for the contactless network symbol on your card to determine if your credit card is contactless. In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction without requiring a Credit Card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their Credit Card PIN for security reasons.

Conclusion

The Standard Chartered Super Value Titanium Credit Card is a good entry level card. You get 5% cashback on fuel purchases, phone bills and utility bill payments. But this 5% cashback is given only on low monthly spend amounts in these categories, hence it is suitable for comparatively low spenders in these categories. The card has an appealing welcome offer, and is virtually free from the 2nd year onwards if you spend ₹90,000 or more in the previous year.

Apply Now

on Standard Chartered Bank website

Frequently Asked Questions

How can I apply for the Super Value Titanium Card? 

The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Standard Chartered Bank website. You can also visit official website of the bank and fill out the application form.

Are there any annual fees associated with the Standard Chartered Super Value Titanium Card?

The Standard Chartered Super Value Titanium Card has an annual fee of ₹750. The card comes with a welcome offer worth ₹1500 which compensates for the 1st year annual fee. Annual fee from second year onwards is also waived off if you spend ₹90,000 or more in the previous year.Hence the card can be virtually free if you spend ₹90,000 or more each year. Only for premium banking customers of Standard Chartered, the card is lifetime free.

How does the specialised cashback work? 

Super Value Titanium Card offers 5% cashback on three categories – monthly fuel purchases upto ₹4000 , monthly phone bill payments upto ₹4000, and monthly utility bill payments upto ₹2000. Hence you enjoy attractive discounts on your everyday expenses.

How can I access the Priority Pass lounges? 

Only premium banking customers of Standard Chartered get complimentary Priority Pass membership which gives them access to approximately 1000+ airport lounges around the world. They get free lounge visits once per month, if they have spent a minimum of ₹10,000 in the previous month on their Super Value Titanium Card.

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