Card Details
Super Value Titanium Credit Card
Card Issuer
Standard Chartered Bank
Joining Fee
₹750
Annual Fee
₹750
Reward Type
Cashback
Card Access
Standard
Changes to this card
Earn Points
5%
On fuel (txns up to ₹2,000; max ₹100 per txn; ₹200 per statement cycle)
5%
On utility bills (min txn ₹750; max ₹100 per txn and per statement cycle)
5%
On telephone bills (min txn ₹750; max ₹100 per txn; ₹200 per statement cycle)
1 Rp / ₹150
On other spends
Benefits
5% cashback on fuel spends
- 5% cashback on fuel spends
5% cashback on telephone and utility bill…
- 5% cashback on telephone bills
- 5% cashback on utility bill payments
Things to Keep in Mind
Fuel cashback only on transactions of ₹2,000 or below.
Telephone cashback requires transaction above ₹750; per-transaction cap ₹100; monthly cap ₹200.
Utility cashback requires minimum transaction ₹750; per-transaction cap ₹100; monthly cap ₹100.
Use Standard Chartered bill-pay platforms for utility/telephone cashback.
1% fuel surcharge waiver discontinued effective 25-Aug-2024.
Overseas transaction fee/markup is 3.5%.
Card insights
What Users Are Saying
Community Feed
Sep 2026
“Standard Chartered Cheated me”
by r/CreditCardsIndia, Nov 2025
“Standard Chartered Titanium card fuel net effective % reduced smartly to 3.89% from 5%”
by r/CreditCardsIndia, Sep 2025
“Best Credit Card For Fuel Spends”
by r/CreditCardsIndia, Sep 2025
“Upgrade from SC super value titanium”
by r/IndianCreditCards, Sep 2025
Alternatives
If you spend…
Recommendation
Higher returns at BPCL pumps
BPCL SBI Card OCTANEOnline cashback card
CASHBACK SBI CardUtility and telecom cashback
Axis Airtel Bank Credit CardFrequently Asked Questions
The joining and annual fees are ₹750 each, plus applicable GST. A ₹90,000 renewal waiver is also offered, but confirm with the live MITC and your offer letter.
TL;DR: Does this card provide good cashback rates?
Standard Chartered markets this card with 5% cashback on fuel, telephone, and utilities. But once the fuel surcharge and GST are put on the statement, the effective cashback is closer to 3.89% on fuel.
Also, with the ₹200-a-month fuel cashback ceiling, you get nothing after about ₹4,000 of eligible fuel in a month.
The card also offers 5% cashback on phone bills (capped at ₹200 per month) and 5% on utility bills (capped at ₹100 per month) when paid through Billdesk or StanChart Bill Pay.
Super Value Titanium Credit Card: Should you get this?
If you refill at mixed oil companies (not really BPCL, HPCL or any loyalist), you can go for this card. It's good for under ₹4,000 a month in fuel fill-ups of ≤₹2,000 each. And if you cross the ₹90,000 waiver without stretching or are a Premium Banking customer, you're getting an essentially fee-free card.
Keep the Super Value Titanium card as a secondary fuel-and-bills card. Use it to max the ₹200 fuel cashback band and the small phone/utility buckets.
Credit Card Information Compiled by : Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva
