Standard Chartered Super Value Titanium Review: Best 2026
- Quick Verdict
- Card at a Glance
- Fees & Welcome Benefits
- Reward Point System Explained
- Travel & Lounge Benefits
- Milestone Benefits & Fee Waivers
- Pros & Cons
- Who Should Get This Card?
- Final Conclusion
Quick Verdict
- Is it good? Yes, it offers decent cashback on fuel and utility bills.
- Reward rate? 1 reward point per ₹150 on regular spends.
- Best for? Individuals looking for cashback on fuel and utility payments.
Card at a Glance
| Feature | Details |
|---|---|
| Annual Fee | ₹499 + tax |
| Joining Fee | ₹499 + tax (Waived on spending ₹30,000 in the first year) |
| Reward Rate | 1 reward point per ₹150 on all other spends |
| Welcome Benefit | Rewards Points worth ₹1500 on Fuel spend of ₹1500 within 90 days |
| Lounge Access | Nil |
| Cashback on Fuel | 5% up to ₹200 per month |
| Cashback on Utility Bills | 5% with a minimum transaction of ₹750 |
| Cashback on Phone Bills | 5% with a minimum transaction of ₹750 |
Fees & Welcome Benefits
The Standard Chartered Super Value Titanium comes with an annual fee of ₹499 + tax. However, this fee can be waived if you spend ₹60,000 in a year. The joining fee is also ₹499 + tax, but it gets waived if you spend ₹30,000 within the first year. This makes it quite appealing for new users.
As a welcome benefit, you can earn Rewards Points worth ₹1500 on fuel spends of ₹1500 within the first 90 days. This is a nice perk for those who frequently refuel their vehicles.
Reward Point System Explained
The reward point system is straightforward. You earn 1 reward point for every ₹150 spent on regular purchases. While this may seem low, it can add up if you use the card for larger purchases.
| Category | Reward Points | Limit |
|---|---|---|
| Fuel | 5% cashback | Up to ₹200/month |
| Utility Bills | 5% cashback | Minimum transaction of ₹750 |
| Phone Bills | 5% cashback | Minimum transaction of ₹750 |
| Other Spends | 1 point per ₹150 | No limit |
Travel & Lounge Benefits
Unfortunately, the Standard Chartered Super Value Titanium does not offer any lounge access, which is a significant drawback for frequent travelers. If you’re looking for a card that provides lounge access, you might want to consider alternatives like the Standard Chartered Priority Visa Infinite Review.
Milestone Benefits & Fee Waivers
While there are no specific milestone benefits listed for this card, the fee waiver is a significant advantage. Spending ₹60,000 in a year waives the annual fee, making it easier for users to keep the card without incurring extra costs.
Pros & Cons
| Pros | Cons |
|---|---|
| 5% cashback on fuel spends up to ₹200 per month | Low reward rate on regular spends (0.27%) |
| 5% cashback on phone bills with minimum transaction of ₹750 | Cashback capped at ₹500 per month (₹200 for fuel) |
| 5% cashback on utility bills with minimum transaction of ₹750 | Single transaction limit of ₹2,000 for cashback eligibility |
| Lifetime free supplementary credit card | No lounge access |
| Contactless credit card for secure payments | High foreign exchange markup fee (3.5% + Service Tax) |
| Secure online transactions with 3D secure OTP verification | Welcome benefit unclear |
| Digital payment solutions including UPI, BharatQR, and more | Agent confusion |
| Online banking and SC Mobile app for easy card management | |
| Kuch Bhi on EMI for spends above ₹2,000 | |
| Dial-a-loan facility up to ₹5,00,000 | |
| Balance transfer facility up to ₹5,00,000 | |
| Balance on EMI for converting outstanding balance | |
| No annual fee | |
| Low joining fee |
Who Should Get This Card?
This card is ideal for individuals who frequently spend on fuel and utility bills. If you are someone who pays their phone and utility bills regularly, the Standard Chartered Super Value Titanium can help you save a bit with its cashback offers. However, if you are looking for extensive rewards on a variety of purchases, you might want to explore options like the Standard Chartered Manhattan Platinum Review or the Standard Chartered DigiSmart Review.
Final Conclusion
In our experience, the Standard Chartered Super Value Titanium Review shows that while it has its limitations, it can be a good fit for specific users. The cashback on fuel and utility bills is a strong point, but the low reward rate on regular spends and lack of lounge access may deter some. Bottom line, if you are looking for a straightforward card with decent cashback on essential expenses, this card could be worth considering.