In-depth review
Standard Chartered Super Value Titanium Credit Card
A focused, low-drama supplementary card that does exactly what the name says — earns 5% on petrol and 5% on household bills (via SC Billpay), at a fee low enough to make the maths work simply. The welcome offer (100% cashback up to ₹1,500 on fuel in 90 days) can cover the ₹885 all-in first-year fee about 1.7 times over. Not a primary card, not a high earner outside its two categories — a clean, cheap specialist for the recurring spending that most cards ignore.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,500 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
5% on Fuel
5% on petrol (cap ₹200/month, transactions up to ₹2,000)
5% cashback at SC Billpay
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
⛽ FUEL BENEFITS
Fuel rewards and surcharge waiver details.
Up to 5%
Fuel reward rate
- Up to 5% effective return on fuel purchases
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
5.0%
fuel cashback
₹200
Monthly cap (accelerated)
- 5.0% cashback on fuel
- Accelerated cashback capped at ₹200/month
As a supplementary card for fuel and bill payments routed through SC Billpay. Pair it with a primary card — outside fuel and bills it earns very little.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Fuel | cashback | 5% | ₹200 |
| Utility Billsonly at SC Billpay | cashback | 5% | ₹300 |
| Other | reward points | 0.17%0.67 pts/₹100 × ₹0.25 | — |
Fuel: 5% on petrol (cap ₹200/month, transactions up to ₹2,000)
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 · SC Billpay
Other: 1 reward point per ₹150 base (~0.17%) on other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| 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 & cons
✓ 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
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 Standard Chartered Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
The 5% is tightly capped (₹500/month total, utilities just ₹100) and requires SC Billpay, and SC has revised this card's benefits before — it is a narrow supplementary card.
Frequently asked questions
What does Super Value Titanium save on?
What is the welcome benefit?
How do I get the 5% on utilities?
How has the Standard Chartered Super Value Titanium Credit Card changed over time?
Has the Standard Chartered Super Value Titanium Credit Card been devalued recently?
When did the Standard Chartered Super Value Titanium Credit Card's fees last change?
How did the Standard Chartered Super Value Titanium Credit Card change in 2024?
The bottom line
A clean, cheap specialist: 5% on petrol and household bills via SC Billpay, with a welcome offer that can cover the ₹885 all-in fee about 1.7 times over. Just hold the caps in mind — fuel ₹200, telephone ₹200, utility ₹100 a month (₹500 total) — and treat it as a supplementary card for recurring spend, not a primary.
How this page was built
Counted from this card’s own record: 3 earn rules, 2 of them capped and 1 paid only at named merchants. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
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 updated 11 Oct 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.
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Guides and reviews related to this card.
Standard Chartered Super Value Titanium Credit Card
A focused, low-drama supplementary card that does exactly what the name says — earns 5% on petrol and 5% on household bills (via SC Billpay), at a fee low enough to make the maths work simply. The welcome offer (100% cashback up to ₹1,500 on fuel in 90 days) can cover the ₹885 all-in first-year fee about 1.7 times over. Not a primary card, not a high earner outside its two categories — a clean, cheap specialist for the recurring spending that most cards ignore.
Standard Chartered Platinum Rewards Credit Card
Standard Chartered's zero-fee entry card, and the version issued today is the 'instant' variant the bank confirms carries nil fees. It earns 5 points per ₹150 on dining and — unusually — on fuel, with no monthly cap, and a token 1 point per ₹150 elsewhere. At SC's own 25-paisa point value that's 0.83% and 0.17%. Thin, but free, and rewarding petrol at all makes it rare.
Standard Chartered Smart Credit Card
A clean, low-fuss flat-cashback card — 2% on every online purchase with no merchant list, 1% offline, and an unusually generous cap (₹1,000 of online cashback a month, i.e. ₹50,000 of online spend). At a ₹499 fee that waives at ₹1.2 lakh, it's a fair no-thinking online card. The honest catch isn't the cap, it's the rate: 2% is middling next to the SBI Cashback's 5% online, so hold the Smart for unrestricted breadth, not headline rate.
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 · last change Aug 2024
2024
- ◆ RewardEffective 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
- ▼ RedemptionEffective 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
- ▼ FeeEffective 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
- ▼ FeeEffective 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
- ◆ RewardEffective 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: <a href="https://cardadvisor.in/cards/sc-super-value-titanium#value-timeline">Standard Chartered Super Value Titanium Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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