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| 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.
| 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 |
| 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 | |
Questions? Suggestions? See a mistake? Write to us!
Retail investors can have lower liquidity thresholds for ETFs vs. stocks due to trading support from market makers and APs. UCITS we recommend have enough liquidity for most retail portfolios.
We recommend the best Gold & Silver ETFs to create a low cost, diversified, passive portfolio based on total cost of ownership and liquidity.
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