Standard Chartered Super Value Titanium Credit Card

This card is ideal for those who frequently spend on fuel and utilities, offering substantial cashback benefits. However, the annual fee may deter occasional users.

✓ 5% cashback on fuel, phone, and utility bills ✓ Annual fee can be reversed with sufficient spending ✓ 1 reward point per ₹150 on other expenditures

Standard Chartered Super Value Titanium Credit Card

Updated 5 hours ago

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Annual Fee

₹750

This card is ideal for those who frequently spend on fuel and utilities, offering substantial cashback benefits. However, the annual fee may deter occasional users.

Card details

Utility and fuel focused India cashback card with 5% cashback on fuel, phone, and utility bills, plus a ₹750 annual fee that can be reversed after ₹90,000 annual spend.

Pros

✓ 5% cashback on fuel, phone, and utility bills
✓ Annual fee can be reversed with sufficient spending
✓ 1 reward point per ₹150 on other expenditures
✓ Mastercard network provides wide acceptance

Cons

✗ Annual fee of ₹750 applies from the first year
✗ Cashback caps may limit benefits for heavy spenders
✗ Higher rewards not available on all spending categories

🎯 Best For: Best suited for users with consistent fuel and utility expenses who can meet the ₹90,000 annual spend to waive the fee.

⚠️ Watch Out: Users should be mindful of cashback caps and the annual fee, especially if their spending fluctuates.

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Expert Review

The Standard Chartered Super Value Titanium Credit Card is tailored for Indian consumers focused on utility and fuel expenses. It offers an attractive 5% cashback on these categories, making it a valuable option for regular users of fuel and utility services. However, the card does come with an annual fee of ₹750, which can be reversed if users manage to spend ₹90,000 in a year.

This feature makes the card appealing for those who can comfortably meet this threshold, but it may deter occasional users who do not consistently reach this spending level. Additionally, the cashback structure has monthly caps that limit the total rewards one can earn, which may not be ideal for those who spend heavily on fuel or utilities. Compared to other cashback cards in the market, this card offers solid rewards in specific categories, but it lacks broader cashback opportunities on other everyday purchases.

Overall, the card is a good choice for those meeting its criteria, but potential users should weigh the annual fee and spending requirements against their typical usage.