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Super Value Titanium Credit Card by Standard Chartered

by Kshitiz V Sharma on

The Bottom Line

Super Value Titanium Credit Card
Good for Fuel & Utility Bills

5% Cashback on Fuel, Utility Bill Payments & Phone bills, 1 Reward Points / ₹150 on all other spends. Consider other options.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield 0.3% 0.7% 0.8% 0.9% 0.7%
Est. Monthly Reward (₹) 10 70 160 440 650
All-India Rewards Rank* 126 80 101 152 194
Within Bank Rank* 5 4 5 6 6
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

The Super Value Titanium Credit Card gives cashback of 5% on fuels, phone and utility bills and 0.17% effective rewards on all other spends.

Overall, you can earn a net reward yield of 0.3-0.9% on all your spend with this card, making this a low reward card. However Standard Chartered offers many credit cards that give you higher rewards than the Super Value Titanium.

The Ultimate Credit Card is the best credit card in India by Standard Chartered Bank for most people. It offers a net reward yield of 2.3-3.0% on all your spend.

However the Ultimate has a high annual fee of ₹5,000, although you get reward points worth ₹5,000 in return.

If you are not comfortable paying the high fee in exchange for reward points, you could consider the Standard Chartered DigiSmart Credit Card for monthly spends below ₹50,000. This card has a low monthly fee of ₹49, which is waived when you spend more than ₹5,000 in any month.

You can earn a net reward yield of 1.3-1.6% with the DigiSmart Credit Card.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card Super Value Titanium Credit Card
Card Type Cashback + Reward
Cashback/Reward Features 5% Cashback on:
– Fuel
– Utility Bill Payments
– Phone bills

– 1 Reward Points / ₹150 on all other spends

Milestone Rewards Nil
Other Rewards Complimentary Priority Pass Membership
Rewards Redemption Fee ₹99
Cashback Caps – ₹200 p.m. on fuels

– ₹100 p.m. on utility bills

– ₹200 p.m. on phone bills

Preferred Redemption Method Redeem rewards at Standard Chartered portal @₹0.25 / Reward point


Fees & Charges

Card Super Value Titanium Credit Card
Joining Fee ₹750 + Taxes
Annual Fee ₹750 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹90,000
Income Criteria Salaried ₹7.2 Lacs p.a.
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 23.88%
Foreign Currency Markup 3.50%
Cash Advance Charge 3.00% with a minimum of ₹300

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