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Standard Chartered Super Value Titanium Credit Card Review 2021

Updated: Sep 13, 2021

Standard Chartered Super Value Titanium Credit Card is not a super card. The low caps bring down any joy you could get out of this card. However, it does provide cashback on utilities and fuel.


Their website says the following:

Minimum monthly income of INR 55,000 is required.

Considering the features of this card, I think on ground income criterion should be around Rs 25000 monthly income.

Since, this card is issued on the mastercard platform, they are not taking applications right now. However, you can keep checking this space to apply for this card.


First year annual fee – INR 750

Renewal fee from second year – INR 750

Renewal fee is waived off on the annual spending of INR 90000 in a year.

This card is sometimes given out as Life Time Free.

Lounge Access


Super Value Titanium Credit Card Benefits

  • 5% cashback on fuel: You are eligible for a 5% cashback on fuel spends at all fuel stations up to INR 200 per month (Max cashback INR 100 per transaction). All transactions of INR 2,000 or below are eligible for cashback.

Do note that this card does not come with a fuel surcharge waiver.

You will be charges Rs 10 or 1% of transaction value (whichever is higher).

This will reduce your cash back and the actual savings will be less than 4%.

  • 5% cashback on utility bills: Receive 5% cashback on paying for your utility bills. The minimum transaction amount is just INR 750 and you can receive a maximum cashback amount of Rs 100 per month.

Note: to get the cashback, the bill should be paid through the Billpay platform of StandChart by login on to online banking and visit bill payments to register here.

  • 5% cashback on phone bills: Minimum transaction amount should be INR 750. The maximum cashback available per month is INR 200.

This won’t be applicable for most users. Who owns a landline now a days?

And if you did, the bill won’t even be half of Rs 750.

  • Cash back is given monthly.

Rewards Program

  • For every INR 150 you spend on all other expenses using your credit card, you earn 1 reward point. This is just 0.17%. That means for every Rs 1 lac you send; you won’t even have points worth Rs 170!

When the numbers are so poor why even bother! I mean for both the issuing bank as well us, the users. Our time surely has more value than that!

  • Minimum 500 points are required to place a rewards redemption request.

  • Rs 99+ taxes will be charged towards handling and courier charges for redemption of reward points.

Super Value Titanium Credit Card “SAVINGS CALCULATOR”

Go ahead and add in your expected monthly expenses on this card. Press Calculate to check is this card is worth applying for.

If the Calculator doesn't run, click here and run again :)

If you max out its fuel and utility limits, you can get savings higher than 2%. This is an acceptable number.


Limits in the range of Rs 100-200 have very little value. This can easily be matched by any card just by using “Recharge” and “Billpay” coupons on Payzap.

This card is anything but “SUPER”. I don’t hold any Standard Chartered credit cards, and this card does not entice me in any way.


Similar or better cards

Amex MRCC is a much better card and can be used for fuel as well as utility bill payments via paytm. Axis bank Freecharge Plus credit card gives 5% unlimited cashback.

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