Standard Chartered • Visa

Standard Chartered Super Value Titanium Credit Card

Name: Standard Chartered Super Value Titanium Credit Card
Brand: Standard Chartered
SKU: sc-super-value-titanium
Price: 750 INR
Availability: InStock

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

Annual Fee₹750Annual fee waiver available on issuer-defined spend threshold

Base Reward0.5%On all spends

Lounge AccessNoNo lounge access listed

Est. Annual Savings₹8,454Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Monthly spend

₹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

Category-wise reward rates for this card

Fuel

5.0%

Lifestyle

5.0%

Basedefault

0.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

Standard Chartered Super Value Titanium Credit Card is best positioned as a fuel + lifestyle specialist rather than a universal all-spend card.
Its current reward model is anchored around 5.0% on fuel-aligned lanes, while broad base return remains closer to 0.5%.
No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

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.

Watchouts

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.

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

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

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.

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.

Your current spend (period)Set threshold manually

₹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.

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.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

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

Things to Consider

Accelerated categories have caps and eligible-transaction conditions
General spend return is low
Not positioned for premium travel/lounge usage

About Standard Chartered Super Value Titanium Credit Card

Standard Chartered Super Value Titanium Credit Card is a cashback card from Standard Chartered, best for users with predictable fuel and utility payment patterns. It is tagged under fuel, lifestyle, cashback categories in our database.

FuelLifestyleCashback