Standard Chartered Super Value Titanium Card Review
The Standard Chartered Super Value Titanium Credit Card is primarily notable for its fuel-related cashback benefit. While Standard Chartered’s reward rates are often lower than some competitors, this card remains relevant if you value fuel surcharge reversals and targeted cashback on utility-type spends. Below is a concise, user-focused summary of the card’s fees, cashback structure, and other features to help you decide if it fits your needs.
- Joining Fee: Rs. 499 + tax (waived if you spend Rs. 30,000 in a year)
- Renewal Fee: Annual/renewal fee waived if you spend Rs. 60,000 in a year
5% Cashback Categories on Super Value Titanium Card
The card offers 5% effective cashback across a few specific categories. This is delivered as a combination of surcharge reversal and cash back in the case of fuel:
- Fuel: 2.5% surcharge reversal + 2.5% cashback on the transaction amount
- Telecom bill payments
- Utility bill payments
Cashback conditions
- Minimum transaction amount for cashback eligibility: INR 750
- Maximum cashback per transaction: INR 100
- Maximum cashback per month across categories: INR 500
The monthly INR 500 cap is split across categories as follows:
- INR 200 – Fuel
- INR 200 – Telecom (postpaid mobile / landline bill payments)
- INR 100 – Utility bills
Reward points on other spends
- 1 Reward Point per Rs. 100 spent
- Estimated value: ~0.27 paise per reward point
Reward point valuations can change over time based on the bank’s redemption catalog and rates, so the effective value may vary.
Key Features
- CardExpert Rating: 3.5/5
- Reward rate: Approximately 0.27% on regular spends; up to 5% in the specified cashback categories
- Complimentary airport lounge access: None
- Foreign exchange markup fee: 3.5% + applicable taxes
This card is a basic, no-frills product focused on targeted savings for fuel, telecom, and utility payments. The cashback ceilings and minimum transaction requirement limit the benefit for high-frequency or high-value users, and reward rates on general spends are modest.
If you are evaluating alternatives in the same fee bracket, consider cards that offer broader value on regular spends or additional perks such as domestic lounge access or higher base rewards. For example, some competing mid-tier cards provide lounge access and higher point accrual on general spending, which may be preferable depending on your spending patterns.
Have you used the Standard Chartered Super Value Titanium Credit Card? Share your experience to help others understand how well the cashback and conditions work in practice.