Standard Chartered Super Value Titanium Credit Card Review

By | November 28, 2016
 Standard Chartered Super Value Titanium Card Review

Standard Chartered Super Value Titanium Card Review

I don’t generally suggest SC cards as their reward rates are pretty low than any other cards. However, Standard Chartered Super Value Titanium Credit Card is known mainly for its Fuel cashback benefit which is the whole reason for this article. Its one of the rare Fuel cashback cards around along with other benefits.

  • 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:

You get 5% cashback on below categories:

  • Fuel: 2.5% surcharge reversal + 2.5% cash back on the transaction amount
  • Telecom Bill Payments
  • Utility Bill Payments

Conditions on Cashback:

  • Minimum transaction amount for cashback eligibility is INR 750
  • Maximum cashback per transaction is INR 100
  • Maximum cashback per month is INR 500

Reward Points on other spends:

  • 1 Rewards Points/ Rs.100
  • 1 Reward Point = ~0.27 Ps

I calculated the reward point value by finding the value of one of the products in points redemption. They keep changing the point value from time to time (usually reduce).

Features of Super Value Titanium Card:

  • CardExpert Rating: 3.5/5
  • Reward rate: 0.27% (regular spends) to 5% Cashback
  • Complementary Airport lounge access: Nil
  • Foreign Exchange Markup fee: 3.5% + Service Tax

Its a very basic card and the cashback conditions put on the card is not worth spending the time on, at-least for me. One of my friend has this card, but never uses it, not even once in past 6 months, so you get the idea 😀

In this range, you can also consider ICICI Coral credit card (mastercard version) which also comes with MasterCard domestic Lounge access and 0.5% value back as Payback points. In response to Standard Chartered, HDFC recently launched two cards as below with similar benefits.

Whats your thoughts on Standard Chartered Super Value Titanium Credit Card? Feel free to share your experiences below.

8 thoughts on “Standard Chartered Super Value Titanium Credit Card Review

  1. Prashant Gupta


    I have their Landmark credit card (earlier known as innercircle credit card) , its free for life and has mastercard airport lounge access. The points value has been devalued now. Earlier it used to give 1.2% value back now it gives 0.6%.

  2. Manu

    Their Inner Circle card is a good free card esp for those who shop for clothes a lot

  3. Parth

    Hey Siddharth, I would like to differ on this one. I own this card and I usually end up getting monthly 500 cash back without much effort. I feel it’s a wonderful card. While the earn rate maybe low. It’s cashback feature for bill payment allows you to get 5% back almost every time!

    Would you agree that from the perspective of utility bill payment (mobile / gas / electricity) this is the best card?

    1. Siddharth Post author

      Sounds good. Sure, i agree, it does help for Utility Payments and this being an inbuilt feature of a card is a nice thing indeed.

      But for me,
      Its of no use as I’m using Diners points for all Mobile/Postpaid/LL bill payments 🙂

    2. Prashant Gupta

      Usually u get cash back on Paytm FreeCharge…..and then the premium cards have good reward rate… the card is useless….


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