Standard Chartered Super Value Titanium Credit Card
Standard Chartered Bank
Expert Rating
₹750
₹750
3.5%
12 visits/yr
Contents
Standard Chartered Super Value Titanium Mastercard Credit Card is a popular fuel and bill payment cashback credit card in India, designed for everyday savings on petrol, utility bills, and telephone bills. Cardholders earn 5% cashback on key daily expenses and 1 reward point per ₹150 on all other eligible spends, making it a strong value-back option for salaried and self-employed users who drive frequently and pay multiple monthly bills. With an affordable annual fee of ₹750, spend-based fee reversal at ₹90,000 yearly spends, and fuel benefits across all major petrol pumps in India without fuel-brand restrictions, this card is frequently recommended as one of the best fuel credit cards in India. It also offers complimentary Priority Pass-based international lounge access for Premium Banking customers, making it suitable for frequent travellers who want a simple, savings-focused credit card.
Features of Standard Chartered Super Value Titanium Credit Card which makes it unique
All-Brand Fuel Cashback
Get 5% cashback on fuel at petrol pumps across India without being locked into a single fuel brand or specific oil marketing company.
Simplifies maximising savings on fuel irrespective of whether you use IOCL, HPCL, BPCL, Reliance or other major petrol pumps.
More flexible than many co-branded fuel credit cards that only reward purchases at one fuel brand.
Triple Category Bill Cashback
Earn 5% cashback not only on fuel but also on registered utility bills and telephone/mobile bills when paid via supported channels.
Converts routine monthly expenses like electricity, gas, water and phone bills into steady cashback savings.
Many entry-level cards offer rewards only on one or two categories; Super Value Titanium covers three major household expense categories.
Premium Banking Lounge Tie-in
Premium Banking customers receive complimentary Priority Pass membership and free international lounge visits alongside this fuel-focused card.
Combines everyday fuel and bill savings with occasional international travel comfort for qualified Premium Banking clients.
Rare combination of low-fee fuel cashback card plus lounge access through relationship-based privileges.
Rewards Structure of Standard Chartered Super Value Titanium Credit Card
Fuel Spends
baseFuel transactions at petrol pumps across India, generally up to ₹2,000 per transaction and at eligible fuel merchant category codes.
Earlier 4% cashback plus 1% surcharge waiver has been replaced by a flat 5% fuel cashback structure with no standalone fuel surcharge waiver; fuel spends do not earn reward points.
Utility Bill Payments
baseElectricity, gas, water and other eligible utilities when registered and paid via Standard Chartered BillPay or bank-recognised bill pay platforms.
Utility bill transactions must be routed through supported bill payment channels and correctly tagged under eligible utility merchant categories to receive cashback.
Telephone and Mobile Bills
basePostpaid mobile, broadband and landline bills registered and paid through Standard Chartered BillPay or designated channels.
Only eligible telecom merchant category codes and properly registered billers qualify for 5% cashback; prepaid top-ups made via generic wallets may not always qualify.
Other Eligible Spends
baseAll other retail spends except fuel, utilities, telecom, rentals, wallet loads, government payments and other excluded categories as per bank policy.
Base reward points can be redeemed via the Standard Chartered 360° Rewards or R360 portal for vouchers, discounts and merchandise; typical value is modest, making this primarily a fuel and bill cashback card.
Milestones of Standard Chartered Super Value Titanium Credit Card
Annual Spend Fee Reversal
₹90,000 in a card membership year : Reversal of the ₹750 annual fee in the next statement when the annual spend threshold is achieved.
Welcome Fuel Cashback
Eligible fuel spends within 90 days of card issuance : 100% cashback on fuel transactions up to a total of ₹1,500 as a one-time welcome benefit, credited as statement credit or via the rewards portal.
Fees & Charges of Standard Chartered Super Value Titanium Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹750 |
| Annual Fee | ₹750 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 3% |
| Late Payment Fee | ₹1,200 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee of ₹750 is reversed when your yearly retail spends on this card reach ₹90,000 or more, as per the bank’s latest fee reversal policy for Super Value Titanium.
Fee Explanation Standard Chartered Super Value Titanium Mastercard Credit Card charges a joining and annual fee of ₹750 plus applicable taxes. Cash withdrawals attract 3% of the withdrawal amount (minimum ₹300), while finance charges on revolving balances and cash transactions are typically 3.75% per month (45% p.a.) as per Standard Chartered India’s generic credit card tariff. Late payment fees are slab-based and can go up to ₹1,200 depending on the statement outstanding, and overlimit usage usually attracts 2.5% of the overlimit amount with a minimum of ₹500. Overseas transactions incur a 3.5% foreign currency markup plus GST. Returned cheque or failed payment instructions generally attract around ₹500 as a penalty, and rent payments carry an additional processing fee of around 1% plus taxes. Always refer to the latest ‘Tariffs and Charges’ and card MITC on the Standard Chartered India website before applying or using the card.
Lounge Access Benefits with Standard Chartered Super Value Titanium Credit Card
international Lounges
silverVisits per year: 12
Guest access: No
Complimentary Priority Pass membership with 1 international lounge visit per month (max 12 per year) is available only for eligible Standard Chartered Premium Banking customers holding the Premium Super Value Titanium variant; regular Super Value Titanium cardholders do not get lounge access.
Insurance Coverage with Standard Chartered Super Value Titanium Credit Card
Fraud Liability and Lost Card Protection
As per Standard Chartered India’s generic credit card policyCardholder is generally protected against fraudulent transactions after timely reporting of card loss to the bank; this is a standard liability protection feature rather than a separate, high-value travel insurance cover. Exact terms, coverage and exclusions are defined in the latest Client Terms and Credit Card MITC.
Additional Features of Standard Chartered Super Value Titanium Credit Card
Virtual Credit Card
Get an instant virtual Super Value Titanium credit card with its own card number, CVV and expiry date for secure online payments without waiting for the physical card.
Available after approval; can be accessed via Standard Chartered online banking or mobile app and used for e-commerce and app-based transactions.
Add-on Cards
Option to issue add-on cards for family members so that all household fuel and utility spends can earn cashback and rewards on the same account.
Add-on cardholders must generally be at least 18 years old; total credit limit is shared with the primary cardholder.
Video KYC (VKYC)
Digital Video KYC facility to complete your KYC from home while applying online for the credit card.
Subject to eligibility, connectivity and regulator-approved VKYC process; available in select locations as per Standard Chartered India policy.
R360 Rewards Platform
Cashback and reward points are credited to the Standard Chartered R360 portal, where you can view, track and redeem your fuel, utility and telecom cashback along with other rewards.
Redemption options, minimum thresholds and point-to-rupee conversion ratios are controlled by the R360 programme terms and may change from time to time.
EMI Conversion
Convert large purchases into affordable EMIs using Standard Chartered’s Instabuy or credit card EMI features.
Tenure, interest rate and processing fees depend on the EMI plan chosen and are governed by the bank’s prevailing EMI terms and conditions.
Welcome Bonus with Standard Chartered Super Value Titanium Credit Card
Welcome Bonus: 100% cashback on fuel spends up to ₹1,500 in first 90 days.
Bonus Conditions: Available for new Standard Chartered Super Value Titanium Mastercard Credit Card holders on eligible fuel transactions at petrol pumps in India within 90 days of card issuance, subject to bank-defined caps and merchant category codes as per official terms and conditions.
Application Process for Standard Chartered Super Value Titanium Credit Card
Processing Time
Standard Chartered typically takes around 7–15 working days after document pickup and verification to approve and dispatch the Super Value Titanium Credit Card.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Visit the official Standard Chartered India website and navigate to the Super Value Titanium Credit Card page.
Click on Apply Now and fill in your personal, contact and employment details, including PAN, Aadhaar and income information.
Complete digital KYC or Video KYC (VKYC) if available, or schedule document pickup for physical verification.
Await in-principle approval and internal credit checks; once approved, Standard Chartered will issue a virtual card, followed by dispatch of the physical card within about 7–15 working days.
Activate your card through online banking, mobile app or IVR and set your PIN before starting to use it for fuel, utility and telecom bill payments.
Required Documents for Standard Chartered Super Value Titanium Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
Standard Chartered Super Value Titanium Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most Mastercard-enabled POS terminals, online merchants, fuel stations, supermarkets and retail outlets.
International Acceptance
Accepted globally at millions of Mastercard merchant locations and ATMs for purchases and cash withdrawals.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Standard Chartered Super Value Titanium Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹55,000
Minimum annual income
Self-Employed Applicants
₹55,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be an Indian resident in Standard Chartered card sourcing locations, with stable monthly income, a valid PAN and Aadhaar, and a clean credit history with no major recent defaults.
How Approval Is Decided
- Indian resident aged 21 years or above with stable income.
- Minimum monthly income of around ₹55,000 for salaried or self-employed applicants, subject to Standard Chartered’s credit policy.
- Good credit score and clean repayment history with no recent major delinquencies.
- Residence and office located in Standard Chartered credit card sourcing cities or locations.
Pros of Standard Chartered Super Value Titanium Credit Card
- 5% cashback on fuel, utility and telecom bill payments makes this one of the best everyday expense credit cards for motorists and bill payers.
- No fuel-brand lock-in – fuel cashback is available at most major petrol pumps across India, subject to eligible merchant category codes.
- Spend-based annual fee waiver at ₹90,000 yearly spends keeps the long-term cost low for regular users.
- Base reward points on other spends provide additional value, redeemable via the Standard Chartered rewards and R360 portals.
- Premium Banking customers get complimentary Super Value Titanium card benefits and Priority Pass membership with free international lounge visits.
Cons of Standard Chartered Super Value Titanium Credit Card
- 5% cashback on fuel, utility and telecom is subject to strict monthly caps (fuel cashback typically capped at ₹200 per month and utility/telecom at around ₹100 each).
- Base reward rate of 1 reward point per ₹150 on other categories is modest compared to premium rewards credit cards.
- Overseas transactions incur a 3.5% forex markup, making this card less attractive as a dedicated international travel credit card.
- No domestic airport lounge access on the standard variant; international lounge access is restricted to eligible Premium Banking customers only.
- Cashbacks usually require payments through specific bill payment platforms or correctly tagged merchant categories, which may confuse new users.
Frequently Asked Questions about Standard Chartered Super Value Titanium Credit Card
What cashback do I get with the Standard Chartered Super Value Titanium Mastercard Credit Card?
You typically earn 5% cashback on eligible fuel, utility and telecom bill payments (subject to monthly caps) and 1 reward point per ₹150 spent on other eligible retail transactions. This makes the Super Value Titanium Mastercard one of the most popular fuel and bill payment cashback credit cards in India.
Is the Standard Chartered Super Value Titanium Mastercard Credit Card a good fuel credit card in India?
Yes. It is widely considered a strong fuel credit card because you can get 5% cashback on fuel at petrol pumps across India without being restricted to a single oil company, and the annual fee is relatively low at ₹750 with a spend-based waiver at ₹90,000 per year.
What are the joining fee and annual fee for the Super Value Titanium Mastercard Credit Card?
The Standard Chartered Super Value Titanium Mastercard Credit Card charges ₹750 plus taxes as a joining fee and ₹750 plus taxes as an annual fee from the second year onwards. The annual fee is reversed when your yearly card spends reach ₹90,000 or more, as per the bank’s latest fee waiver conditions.
Do I get lounge access with the Standard Chartered Super Value Titanium Mastercard Credit Card?
Regular Super Value Titanium cardholders do not get complimentary lounge access, but eligible Standard Chartered Premium Banking customers with the Premium Super Value Titanium variant receive complimentary Priority Pass membership along with 1 free international lounge visit per month, subject to relationship-based qualification criteria.
What is the forex markup on international transactions with this credit card?
All overseas transactions on the Standard Chartered Super Value Titanium Mastercard Credit Card attract a foreign currency markup of around 3.5% of the transaction value plus applicable taxes, as per Standard Chartered India’s generic credit card tariff. If you frequently spend abroad, you may want to pair this with a low-forex travel credit card.
What is the minimum income required to apply for the Standard Chartered Super Value Titanium Mastercard Credit Card?
Third-party aggregators and Standard Chartered eligibility grids generally indicate a minimum monthly income of about ₹55,000 for both salaried and self-employed applicants, along with a stable credit history and residence in bank-sourcing cities. Final approval is always subject to the bank’s internal underwriting policy.
How can I maximise savings with the Standard Chartered Super Value Titanium Mastercard Credit Card?
To maximise value, route all monthly fuel, electricity, gas, water, broadband and mobile postpaid bills through this card via eligible platforms, keeping each transaction above ₹750 where required and within the monthly cashback caps. Use other high-reward cards for non-bill spends where possible, and aim for ₹90,000 annual spends to get the annual fee waived.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
