Standard Chartered Super Value Titanium Credit Card
The SC Super Value Titanium is a focused, low-drama supplementary card that does exactly what the name says — 5% on petrol and 5% on household bills (via SC Billpay), at a fee low enough to make the maths work simply. The 5% applies within tight per-category caps: fuel ₹200/month (transactions up to ₹2,000), telephone ₹200/month and utilities ₹100/month, for a total 5% cashback ceiling of ₹500/month; the base is 1 reward point per ₹150. The welcome offer (100% cashback up to ₹1,500 on fuel in 90 days) covers the first-year ₹750 fee twice over, and the fee waives at ₹90,000. Not a primary card and not a high earner outside its two categories — a clean, cheap specialist for the recurring spending most cards ignore.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,500 in vouchers, points or cashback on card activation
5% on Fuel
5% on petrol (cap ₹200/month, transactions up to ₹2,000)
5% on Utility Bills
5% on telephone (cap ₹200/mo) + utility bills (cap ₹100/mo) via SC Billpay only — the ₹300 row cap is the two merged; pure utility spend caps at ₹100/mo. Minimum ₹750 per transaction; max cashback ₹100 per transaction
Annual Fee Waiver
Fee of ₹750 + 18% GST (₹885 all-in)/yr fully waived when you spend ₹90,000/year
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Fuel | cashback | 5% | ₹200 |
| Utility Bills | cashback | 5% | ₹300 |
| Other | reward points | 0.17% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹885 |
| Joining fee (incl. 18% GST) | ₹885 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
Should you get it?
Best for: Households wanting steady savings on fuel, phone and utility bills, Standard Chartered customers who can get the fee waived
Mid tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on Fuel ( 5% back).
✓ Pros
- 5% cashback on fuel, phone bills and utility bills
- Welcome benefit of 100% fuel cashback up to ₹1,500 in the first 90 days
- Low ₹750 fee, waived on ₹90,000 of annual spend
- Free for premium-banking customers
✕ Cons
- Cashback caps are modest (₹100–₹200 per category a month)
- Utility and phone bills must be paid via the Standard Chartered Billpay platform
- No airport lounge access and only 1 point per ₹150 on general spends
Eligibility & documents
Age
21 –65 years
Min. income
₹60,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / address proof
- Income proof (salary slips or ITR)
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Cashback accrues to the 360° Rewards portal — redeem at a minimum ₹1,000 balance in multiples of ₹500 (w.e.f 1 May 2024); reward points (minimum 500) redeem against the 360° catalogue
What your Cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit Direct cash adjustment — no conversion
The concern The 5% is tightly capped (₹500/month total, utilities just ₹100) and requires SC Billpay, and SC's shrinking India footprint is a long-term concern — it is a narrow supplementary card.
The bottom line
Serving as an efficient, budget-friendly utility card, the Super Value Titanium returns 5% on fuel and bills processed via SC Billpay, alongside a welcome benefit that comfortably exceeds the joining fee. Cardholders must manage the monthly limits—capped at ₹200 for fuel, ₹200 for phone bills, and ₹100 for utilities (totaling ₹500 across categories)—making it best positioned as a focused companion card for recurring monthly bills rather than a general-purpose vehicle.
Sources & verification
Fees, reward rates, and benefits for the Standard Chartered Super Value Titanium Credit Card are taken from Standard Chartered 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Standard Chartered . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2013 · 5 changes · last change Aug 2024
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2024 2 changes — 1 cut, 1 neutral
◆ Reward Effective 21 Aug 2024
Fuel surcharge waiver dropped; fuel cashback raised to 5%
4% cashback + 1% surcharge waiver → 5% flat cashback, no separate surcharge waiver
Standard Chartered discontinued the 1% fuel surcharge waiver on this card and lifted the fuel cashback rate from 4% to 5%. The headline 5% fuel benefit is preserved but is now paid entirely as cashback, capped at ₹200 a month on transactions up to ₹2,000, credited via the 360 Rewards portal.
Verification: Standard Chartered ↗ · Confidence: High
▼ Redemption Effective 1 May 2024
Cashback redemption threshold doubled to ₹1,000
₹500, in multiples of ₹50 → ₹1,000, in multiples of ₹500
The minimum cashback balance needed before a redemption request rose from ₹500 to ₹1,000, and redemptions now happen in multiples of ₹500 instead of ₹50. Cardholders must accumulate more before cashing out. The revision applied jointly to the Super Value Titanium and Manhattan cards.
Verification: Standard Chartered ↗ · Confidence: High
2023 1 change — 1 cut
▼ Fee Effective 2 Apr 2023
1% processing fee added on rent payments
No fee → 1% processing fee
Standard Chartered began levying a 1% processing fee on all rent and rental payments made with its credit cards, applied bank-wide. As a card already in force on this date, the Super Value Titanium is subject to the fee.
Verification: CardAdvisor Research · Confidence: Reconstructed
2019 1 change — 1 cut
▼ Fee Effective 2019
Fee-waiver spend threshold raised to ₹90,000
₹60,000 a year → ₹90,000 a year
The annual spend needed to waive the ₹750 fee was raised from ₹60,000 to ₹90,000, making the fee harder to escape. The exact effective month is not documented, so the year is reconstructed from a contemporaneous card review.
Verification: CardAdvisor Research · Confidence: Reconstructed
2017 1 change — 1 neutral
◆ Reward Effective Apr 2017
Fuel 5% benefit restructured toward cashback
2.5% surcharge reversal + 2.5% cashback → 1% surcharge reversal + 4% cashback
The 5% fuel benefit was restructured from a 2.5% surcharge reversal plus 2.5% cashback into a 1% surcharge reversal plus 4% cashback. The headline 5% total was kept, but the split shifted toward cashback — a lateral change that later evolved into the flat 5% cashback of 2024.
Verification: CardAdvisor Research · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: Standard Chartered Super Value Titanium Credit Card value timeline — CardAdvisor
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Source: Standard Chartered Super Value Titanium Credit Card value timeline , CardAdvisor (CC BY 4.0).
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Quick summary
Type Mid credit card
Reward rate 0.17%–5%
Best for Households wanting steady savings on fuel, phone and utility bills
Joining fee ₹750
Annual fee ₹750
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 7 Aug 2026
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280 cards analysed — August 2026
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