The Standard Chartered Super Value Titanium Credit Card offers up to ₹6,000 in annual savings, primarily through 5% cashback on fuel, telephone, and utility bills as of 2026. This entry-level card is designed for individuals focused on maximizing savings on daily expenditures.
| Parameter | Details |
|---|---|
| Card Type | Entry-level credit card, focused on cashback |
| Issuer | Standard Chartered Bank India |
| Primary Benefits | Cashback on fuel, utility bills, and telephone bills |
| Potential Annual Savings | Up to ₹6,000 (Source: Standard Chartered India, 2026) |
| Cashback on Fuel Purchases | 5% cashback |
| Maximum Cashback on Fuel | ₹200 per month (max transaction ₹2,000) |
| Fuel Surcharge Reversal | 1% (for transactions between ₹500 and ₹4,000) |
| Cashback on Telephone Bills | 5% cashback (min transaction ₹750, paid via Billpay platform) |
| Maximum Cashback on Telephone Bills | ₹200 per month |
| Cashback on Utility Bills | 5% cashback (min transaction ₹750, paid via Billpay platform) |
| Maximum Cashback on Utility Bills | ₹100 per transaction, up to ₹500 per month |
| Reward Points on Other Spends | 1 reward point for every ₹150 spent |
| Reward Points on First Swipe | 1,000 reward points (as per CreditMantri, 2026) |
| Annual Fee (First Year) | ₹750 + applicable taxes |
| Annual Fee (Renewal) | ₹750 + applicable taxes (from second year) |
| Annual Fee Waiver Criteria | Waived if yearly retail spends reach ₹90,000 or more; NIL for Premium Banking customers |
| Processing Fee on Rent Payments | 1% of transaction amount + taxes (effective April 2, 2023) |
| Loan Against Credit Card | Up to ₹5 lakh (Source: IndiaLends, 2026) |
| Loan Tenure Against Card | 12 to 60 months (Source: IndiaLends, 2026) |
| Welcome Offer Value | ₹1,500 (Source: OurMoneyGuide, 2026) |
| Complimentary International Lounge Access | 1 per month for Premium Super Value Titanium Credit Card holders (Source: Standard Chartered, 2026) |
| Overall Card Rating | 3/5 (Source: ET Now News Advisor, 2026) |
This card provides substantial cashback on recurring household expenses, making IT a practical choice for budget-conscious individuals in India looking to save on everyday spending.
Cashback & Reward Structure
The Standard Chartered Super Value Titanium Credit Card offers 5% cashback on fuel, telephone, and utility bills, capped at ₹200 per month for fuel and telephone, and ₹500 per month for utilities. For other expenses, cardholders earn 1 reward point for every ₹150 spent. As of 2026, potential annual savings can reach up to ₹6,000 across these categories.
| Type/Category | Cashback/Reward | Key Feature |
|---|---|---|
| Fuel Spends | 5% cashback | Up to ₹200 per month, maximum transaction amount does not exceed ₹2,000, at petrol pumps across India. Includes 1% surcharge reversal and 4% on transaction amount. |
| Telephone Bills | 5% cashback | Minimum transaction amount of ₹750, paid through Standard Chartered Bank’s Billpay platform, up to a maximum of ₹200 per month. |
| Utility Bills (Gas, Water, Electricity) | 5% cashback | Minimum transaction amount of ₹750, paid through Standard Chartered Bank’s Billpay platform. Maximum cashback per transaction is ₹100 and per month is ₹500. |
| All Other Expenses (excluding fuel, telecom, utilities) | 1 reward point | For every ₹150 spent. |
| First Swipe | 1000 reward points | Awarded on the first swipe of the card. |
| Overall Cashback CAP | Maximum ₹500 per month | Across all cashback categories (fuel, telephone, utility). |
| Reward Redemption | Vouchers, discounts, offers | Redeemable against products, vouchers, or services in the 360 Rewards catalog. Minimum 500 reward points for redemption, redeemable in multiples of ₹500. |
| Premium Banking Customers | Complimentary Priority Pass membership | Access to 1000+ airport lounges globally, with 1 international lounge visit per month (max 12 per year). |
| Overseas Point-of-Sales Spends (Premium Banking Customers) | 5X rewards | Specific to Premium Banking Customers. |
| Welcome Offer | ₹1,500 value | Compensates for the first year annual fee, or 100% cashback on fuel transactions up to ₹1,500 within 90 days of card issuance. |
| The Good Life Programme | Access to discounts | Offers across dining, shopping, and travel categories. |
| Fraudulent Transaction Protection | Protection against fraud | Cardholder is generally protected after timely reporting of card loss to the bank. |
| Instant Virtual Card | Virtual card with details | For secure online payments without waiting for the physical card. |
The card’s cashback structure prioritizes everyday utility and fuel expenses, making IT suitable for users who consistently spend in these categories.
Fees and Charges 2026
The Standard Chartered Super Value Titanium Credit Card carries an annual fee of ₹750 for most users, which can be waived based on spending. Key charges also include a 3.5% foreign currency markup and a 1% processing fee on rental payments, effective from April 02, 2023.
| Metric | Value (INR) | Details |
|---|---|---|
| First Year Annual Fee | ₹750 | Applicable for non-premium banking customers. |
| Renewal Fee (from second year) | ₹750 | Applicable for non-premium banking customers. Waived if yearly retail spends reach ₹90,000 or more. |
| Annual Fee for Premium Banking Customers | NIL | No annual fee charged for Standard Chartered Premium Banking clients. |
| Foreign Currency Markup Charges | 3.5% | Of the total transaction amount when spending in a different currency. |
| Cash Advance Fee | 3% | Of the transacted amount, subject to a minimum of ₹300. |
| Processing Fee on Rental Payments | 1% | Of transaction amount plus taxes, for payments made via third-party platforms (effective from April 02, 2023). Example: ₹200 plus taxes for a ₹20,000 transaction. |
| Reward Points Redemption Request Fee | ₹99 | Plus GST per redemption request (not applicable for cashback redemption). |
| Finance Charges (Monthly) | 3.75% (45% p.a.) | Applied on carried-forward retail balances and cash advances from the transaction date until full payment. |
| Late Payment Fee (Slab-wise) | ₹0–₹1,200 | Nil for small statement dues (up to approximately ₹100); up to ₹1,200 for higher outstanding balances. |
| Overlimit Fee (per instance) | ₹500 or 2.5% of overlimit amount | Minimum fee of ₹500 per billing cycle. |
Understanding these charges helps in managing card usage effectively and avoiding unexpected costs, especially for international transactions or cash withdrawals.
Eligibility Criteria
To apply for the Standard Chartered Super Value Titanium Credit Card in 2026, applicants must be between 21 and 65 years of age. Standard Chartered Bank assesses eligibility based on factors like income, credit history, and employment status.
- Age Requirement: Applicants must be a minimum of 21 years old and a maximum of 65 years old.
- Income Stability: Standard Chartered Bank requires a stable income source, though specific minimum income figures are not publicly disclosed.
- Credit Score: A strong CIBIL score, generally above 750, improves approval chances for the card.
- Employment Type: Both salaried and self-employed individuals are eligible to apply for the card.
- Residency Status: Applicants must be residents of India to qualify for the Standard Chartered Super Value Titanium Credit Card.
- Existing Relationship: Premium banking customers of Standard Chartered Bank may have a higher chance of approval and can get the card with a NIL annual fee.
The application process can be completed online or by visiting a Standard Chartered Bank branch with the required documents.
How to Apply for the Standard Chartered Super Value Titanium Credit Card
Applying for the Standard Chartered Super Value Titanium Credit Card is straightforward, with both online and offline options available to suit your preference. The bank requires applicants to meet specific eligibility criteria, including a minimum age of 21 and a maximum of 65 years.
Here is a step-by-step guide to applying for the Standard Chartered Super Value Titanium Credit Card:
- Check Eligibility: Ensure you meet the age criteria (21-65 years) and other requirements, such as an annual income of ₹5 lakh or above, as of 2026.
- Gather Documents: Prepare necessary documents like identity proof (Aadhaar, PAN), address proof (utility bills), and income proof (salary slips, bank statements).
- Choose Application Mode: You can apply either online through the Standard Chartered Bank website or offline by visiting a nearby branch.
- Complete Application Form: For online applications, fill out the digital form on the bank’s portal. For offline, complete the physical form at the branch.
- Submit Documents: Upload digital copies for online applications or submit physical copies at the branch. The bank will then process your application.
Upon successful application, Standard Chartered Bank will process your request, and you may receive an instant virtual card for online payments without waiting for the physical card.
Super Value Titanium vs Alternatives
The Standard Chartered Super Value Titanium Credit Card offers 5% cashback on fuel, utility, and telephone bills, capped at ₹200 per month for each category (Source: Standard Chartered, 2026). For consumers prioritizing fuel savings, co-branded cards like the Indian Oil RBL Bank XTRA or BPCL SBI Card Octane might offer higher value.
| Feature | Standard Chartered Super Value Titanium | Indian Oil RBL Bank XTRA | BPCL SBI Card Octane |
|---|---|---|---|
| Primary Benefit | Cashback on Fuel, Utility & Phone Bills | Fuel savings (co-branded) | Fuel savings (co-branded) |
| Fuel Cashback/Savings | 5% cashback up to ₹200/month (max transaction ₹2,000) | Co-branded fuel benefits | Co-branded fuel benefits |
| Utility/Telephone Bill Cashback | 5% cashback (min transaction ₹750, via SC Billpay) | Not specified | Not specified |
| Annual Fee (First Year) | ₹750 (NIL for Premium Banking customers) | Not specified | Not specified |
| Annual Fee Waiver Condition | Waived on yearly retail spends of ₹90,000 or more | Not specified | Not specified |
| Airport Lounge Access | 1 international lounge visit/month for Premium Banking customers (via Priority Pass) | Not specified | Not specified |
| Reward Points (General Spends) | 1 reward point for every ₹150 spent | Not specified | Not specified |
| Foreign Currency Markup | 3.5% of transaction amount | Not specified | Not specified |
While the Super Value Titanium card provides broad cashback across categories, dedicated fuel cards often provide d benefits specifically for petrol and diesel purchases.
Common Misconceptions
Many applicants misunderstand the Standard Chartered Super Value Titanium Credit Card’s benefits, especially regarding its cashback structure and fee waivers. The card primarily targets fuel and utility expenses, offering 5% cashback on these categories up to specific monthly limits.
- Misconception 1: Universal High Cashback. The card offers 5% cashback primarily on fuel, telephone, and utility bills. Other expenses typically earn 1 reward point per ₹150 spent, not 5% cashback.
- Misconception 2: Automatic Annual Fee Waiver. The ₹750 annual fee is waived only if yearly retail spends exceed ₹90,000, or if the cardholder is a Premium Banking customer. Otherwise, the fee applies from the second year.
- Misconception 3: Airport Lounge Access for All. Complimentary international lounge access via Priority Pass is only available with the Premium Super Value Titanium Credit Card variant, and exclusively for eligible Standard Chartered Premium Banking customers.
- Misconception 4: Cashback on All Fuel Transactions. The 5% fuel cashback is capped at ₹200 per month, with a maximum transaction amount of ₹2,000 to qualify for the higher rate.
- Misconception 5: Instant Physical Card. While an instant virtual card is provided for online payments, the physical card still requires standard delivery time.
Understanding these specific conditions helps maximize the card’s value for targeted spending categories.
Maximizing Card Benefits
The Standard Chartered Super Value Titanium Credit Card offers up to ₹6,000 in potential annual savings, primarily from 5% cashback on fuel, telephone, and utility bills (Source: Standard Chartered India, 2026). Cardholders can also earn 1 reward point for every ₹150 spent on other categories.
- Fuel Cashback: Get 5% cashback on fuel purchases at any petrol pump in India, capped at ₹200 per month and ₹100 per transaction, for amounts between ₹750 and ₹2,000.
- Utility Bill Cashback: Earn 5% cashback on utility bills (gas, water, electricity) when paid through Standard Chartered Bank’s Billpay platform, for transactions of ₹750 or more.
- Telephone Bill Cashback: Receive 5% cashback on telephone bills paid via the Standard Chartered Billpay platform, with a minimum transaction of ₹750 and a maximum cashback of ₹200 per month.
- General Spends Rewards: Accumulate 1 reward point for every ₹150 spent on all other categories, which can be redeemed later.
- Welcome Offer: New cardholders receive a welcome benefit of ₹1,500, which can offset the first year’s annual fee. , 1,000 reward points are awarded on the first swipe.
- Annual Fee Waiver: The annual fee of ₹750 is waived from the second year if yearly retail spends reach ₹90,000 or more. Premium Banking customers receive a NIL annual fee.
By strategically using the card for eligible fuel, telephone, and utility payments, cardholders can maximize their cashback and reward earnings.
Key Takeaways
- The card provides 5% cashback on fuel, telephone, and utility bills, with specific transaction limits and payment platform requirements.
- Annual savings can reach up to ₹6,000, making IT suitable for managing everyday expenses effectively.
- A welcome offer of ₹1,500 and an annual fee waiver for spends above ₹90,000 the card’s value.
Verify current benefits and apply for the Standard Chartered Super Value Titanium Credit Card through the official Standard Chartered Bank website.
Frequently Asked Questions (FAQs)
What are the main cashback benefits of the Standard Chartered Super Value Titanium Credit Card?
The Standard Chartered Super Value Titanium Credit Card offers 5% cashback on fuel, utility bills, and telephone bills. This cashback is capped at ₹200 per month for fuel expenses. You must use Standard Chartered’s bill pay platforms for utility and telephone bill cashback.
What are the annual fees for the Standard Chartered Super Value Titanium Credit Card?
The first-year annual fee for the Standard Chartered Super Value Titanium Credit Card is ₹750. The renewal fee from the second year onwards is also ₹750. Premium Banking customers are exempt from the annual fee.
Does the Standard Chartered Super Value Titanium Credit Card offer airport lounge access?
No, the Standard Chartered Super Value Titanium Credit Card does not typically offer airport lounge access. This card focuses on cashback benefits for everyday spending categories like fuel and utilities. IT also lacks concierge services and entertainment benefits.
Can I get cashback on fuel purchases with this card?
Yes, you can earn 5% cashback on fuel purchases at petrol pumps across India with the Standard Chartered Super Value Titanium Credit Card. This cashback is capped at ₹200 per month. This makes IT a strong option for fuel savings.
What is the processing fee for rent payments using this credit card?
A processing fee of 1% of the transaction amount plus applicable taxes is charged for third-party rent payments made using your Standard Chartered Credit Card. This fee has been effective since April 2, 2023. The charge appears on your statement by the 15th of the following month.
Is the Standard Chartered Super Value Titanium Credit Card suitable for utility bill payments?
Yes, the Standard Chartered Super Value Titanium Credit Card is a good choice for utility bill payments, offering 5% cashback. To receive this cashback, cardholders must use Standard Chartered Bank’s dedicated bill pay platforms. This benefit helps manage household expenses effectively.
Does this card offer a balance transfer facility?
Yes, the Standard Chartered Super Value Titanium Credit Card provides a balance transfer facility. This allows you to transfer outstanding balances from other credit cards to this card. You can inquire with Standard Chartered Bank for current terms and conditions.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.