Standard Chartered Super Value Titanium Credit Card Review
Author And Publisher: Gyro 3.oStandard Chartered Super Value Titanium Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And Discipline.
Standard Chartered Super Value Titanium Credit Card Review: 5% Fuel & Utility Cashback with Easy Fee Waiver
introduction
The Standard Chartered Super Value Titanium Credit Card suits India's fuel and utility spenders with 5% cashback on fuel (₹200/month cap), utilities, and phone bills via the bank's platform (₹100 max/transaction each), plus 1 reward point per ₹150 on other spends, and a ₹750 annual fee waivable at ₹90,000 spend—delivering straightforward savings for commuters and small business owners focused on essentials over lifestyle perks.
key features and benefits
For Premium Banking Customers
- Our esteemed Premium Banking Customers can enjoy complimentary Super Value Titanium credit card which also comes with a complimentary Priority Pass membership.
Reward Structure
- 5% cashback on fuel - up to INR 200 per month (Max cashback INR 100 per transaction). All transactions of INR 2,000 or below are eligible for cashback.
- 5% cashback on phone bills - for any transaction amount above just INR 750 (Max cashback INR 100 per transaction). The maximum cashback available per month is INR 200.
- 5% cashback on utility bills - The minimum transaction amount is just INR 750 (Max cashback INR 100 per transaction) and you can receive a maximum cashback amount of Rs 100 per month.
- 1 reward point for every INR150 spend - all other Categories.
digital interaction
- Get instant approval on your application and also complete your KYC online through a video.
Additional perks
Extend the credit card benefits to up to 2 family members. Spread the joy with them!
Use contactless credit card & enjoy complete freedom cash transaction with faster checkouts & secure payments.
Enjoy enhanced security for online transactions on your credit card through 3D secure OTP Verification.
Avail wide range of instant payment solutions like BharatQR, Bharat Bill Payment Solution (BBPS) & Samsung Secure Pay.
With Kuch bhi on EMI option, convert your big spends above ₹ 2,000 to easy EMI through online banking or SC Mobile. Get attractive pricing & flexible tenure options.
Get loan up to ₹ 5,00,000 on your credit card with flexible tenure from 12 to 60 months.
Transfer card balance from other bank credit cards up to ₹ 5,00,000 at attractive interest rate.
Card Essential
Rewards and Benefits Analysis
- Net annual savings after fee: about ₹7,950 for a typical middle‑income household matching your assumptions.
- Biggest value driver is 5% cashback on utilities + phone (₹6,000/year), followed by fuel cashback (₹2,400/year), with a smaller boost from regular reward points.
- In practical terms, this is like getting a “free” extra month of fuel plus some groceries each year for the same spending you are already doing.
Redemption Options
- Direct Statement Credit: Redeem points at ₹0.25 per point for immediate bill reduction—most practical for small-value redemptions.
- Merchandise & Vouchers: Access exclusive catalogue of lifestyle products, though value per point is typically below cash redemption equivalents.
- E-Gift Cards: Amazon, Flipkart, Swiggy, and hotel brand vouchers available; plan redemptions around seasonal promotional pricing.
- Travel Vouchers: Limited travel redemption options; no air miles transfer or premium airline partnerships—positioning this as a lifestyle card is misleading.
Best Redemption Strategy
For optimal returns, accumulate points for quarterly (₹75-₹100 bulk) redemptions at minimum to avoid micro-transactions. Direct statement credit at ₹0.25/point is the most reliable option, delivering consistent value without dependency on merchandise inventory or seasonal offer quality.
Ideal User Profile
Working professionals with ₹1,500-₹2,000 monthly fuel and utility spends who prefer simple rewards and can maintain fee-waiver discipline.
Middle-income families (₹8-20 lakhs/year) managing multiple utility bills and wanting straightforward cashback instead of premium perks.
Daily commuters and frequent drivers spending ₹10,000-₹18,000 per month on fuel who value a predictable 5% cashback cap.
Disciplined spenders who clear full dues every month and see cashback as real savings, not a reward game.
Final Thoughts
5% cashback on fuel, utilities, and phone bills without complex multipliers or conditions.
₹90,000 spend threshold for fee waiver is genuinely achievable for middle-income households.
₹7,050 documented annual benefit makes this card practically viable, not aspirational.
Flexible credit solutions with 0.99% p.m. EMI, balance transfer, and dial-a-loan options.
Instant virtual card issuance within minutes for immediate online transactions.
Simple redemption with direct statement credit at consistent ₹0.25 per point.
Integrated SC Bill Pay platform ensures consistent cashback crediting.
₹200/month fuel cashback cap limits high-income drivers to ₹2,400 annual returns.
3.5% overseas transaction fee is prohibitively high for international transactions.
Fuel surcharge waiver discontinued (August 2024); card now relies entirely on cashback.
1 point per ₹150 on other spends yields only ₹300 annually—weaker than alternatives.
Priority Pass lounge access restricted to Premium Banking customers only.
No dining, entertainment, or travel perks—lifestyle positioning is misleading.
Spending discipline required to achieve ₹90,000 annual threshold for fee waiver.
Domestic-only value with zero international benefits or global partnerships.
This review offers a clear and balanced overview of The Standard Chartered Super Value Titanium Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
Spending Habits And Financial Goals.
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