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Standard Chartered Super Value Titanium Credit Card
Standard Chartered • Visa

Standard Chartered Super Value Titanium Credit Card

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Decision memo
Get it if

Route this card to fuel and lifestyle spends first, then shift spillover transactions to stronger category alternatives

Skip it if

cashback realization depends on eligible spend classification and exclusions

Verified 12 Feb 2026VerifiedHigh confidence2 sources checked

For Users with predictable fuel and utility payment patterns. 5% on fuel spend. ₹750 annual fee. Skip it for lounge access.

Quick Overview

What matters before you apply.

You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.

Why get it

Why you should get it

Users with predictable fuel and utility payment patterns

  • Higher cashback positioning on fuel and selected utility buckets
  • Mid-low annual fee with waiver path
  • Good secondary card for recurring payments
  • Complementary fit with shopping-focused primary cards
Why skip it

Why you may regret it

These are the rules and drawbacks most likely to make the card feel disappointing after signup.

  • Accelerated categories have caps and eligible-transaction conditions
  • General spend return is low
  • Not positioned for premium travel/lounge usage
Annual Fee₹750Joining fee ₹750
Spend to Waive FeeCheck termsAnnual fee waiver available on issuer-defined spend threshold
Best Category Return5%Fuel spend
Lounge Access ConditionNo accessNo lounge access listed.

Quick notes

How to use the card well, and what to watch before applying.

How to use it well

  • Route this card to fuel and lifestyle spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 750 and reduce allocation if annual net value weakens.

Watch before applying

  • cashback realization depends on eligible spend classification and exclusions
  • No complimentary lounge access is currently mapped for this card.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.
Compare or Switch

What to do if this card is close, but not perfect.

Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.

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Value & Fees

Check if the card clears its own fee.

Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.

Annual fee₹750

Joining fee ₹750

Fee waiverCheck terms

Annual fee waiver available on issuer-defined spend threshold

Best return5%

Fuel spend

Fee waiver estimator

Adjust your spend only if you need to test whether the card pays for itself.

Open

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual fee₹750

Annual fee waiver available on issuer-defined spend threshold

Net value₹1,050

Estimated savings per year.

Reward cap applied at ₹12,000/yr (not reached).

Reward rate breakdown

Open the category chart when two cards are close and you need the exact spend shape.

Open

Reward Rate Breakdown

Category-wise reward rates for this card

Fuel
5.0%
Lifestyle
5.0%
Basedefault
0.5%
Current Opportunities

Open the live value layer only if the card still looks strong.

Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.

Live offersNone right now

Offer availability changes often.

Best redemptionNot highlighted

This card is better treated as direct cashback or feature value.

MilestonesNo milestone edge

No standout milestone boost highlighted.

Redemption tools

Use these only if your shortlist is down to cards where redemption value can change the decision.

Open

Redemption optimizer unavailable

This card is better evaluated through direct cashback, fee drag, and perk value right now.

Lounge Reality

Treat lounge as real value only after the rule check passes.

Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.

Visits listedNo access

No complimentary lounge visits are currently listed.

Access ruleNo access

Card-level policy notes: • Not positioned for premium travel/lounge usage Verify latest spend criteria and guest access with issuer before travel.

Coverage sourceNeeds check

Derived from card policy signals

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Full lounge eligibility checklist

Open this to validate spend thresholds, program fit, and any conditions that can block access.

Open

Lounge eligibility checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Standard Chartered Super Value Titanium Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Annual fee waiver available on issuer-defined spend threshold

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Airport-wise lounge locations

Open the full location map only if this card passes the lounge rule check above.

Open

Lounge locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Decision Details

Open the dense rulebook only when you are close to applying.

Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

FAQ & Evidence

Keep proof and verification at the bottom.

This is the validation layer. Use it after the card already feels like a possible yes.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹750
  • Annual fee₹750
  • Waiver thresholdNot listed
  • Cap typemonthly
  • Cap resetmonthly
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports8
  • Approval reports4

Frequently asked questions

Short answers for the usual apply, fee, reward, and lounge questions.

Open
Is Standard Chartered Super Value Titanium Credit Card lifetime free?

It has an annual fee of ₹750. Annual fee waiver available on issuer-defined spend threshold

What rewards does Standard Chartered Super Value Titanium Credit Card offer?

Utility-and-fuel focused cashback card with stronger value in bill and fuel related categories.

Does Standard Chartered Super Value Titanium Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider Standard Chartered Super Value Titanium Credit Card?

Users with predictable fuel and utility payment patterns

Where can I apply for Standard Chartered Super Value Titanium Credit Card?

Check the issuer link listed for this card.

Sources and verification

Issuer link, last verification date, and how this page was assembled.

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Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit