Standard Chartered Super Value Titanium Credit Card Review (2026): Fees, Rewards, Lounge & Eligibility
The Standard Chartered Super Value Titanium Credit Card is a leading fuel credit card issued by Standard Chartered on the Mastercard / Visa network. Tailored specifically for households seeking balanced 5% cashback on fuel purchases, utility bills, and telephone recharges with an easily achievable ₹90,000 annual spend waiver threshold. it features a joining fee structure of ₹750. In this comprehensive 2026 review, CardSe evaluates its fee waiver thresholds, category capping rules, airport lounge access qualification, and net reward yields to help you determine if this card earns a permanent spot in your wallet.
Key Benefits & Reward Structure
The reward structure of the Standard Chartered Super Value Titanium Credit Card is structured around category-specific accelerators and spend thresholds:
- Domestic Lounge Access: Offers None rewards.
- Fuel Rewards: Offers 5% cashback on fuel (issuer conditions apply) rewards.
- Other Rewards: Offers 5% cashback on Utility Bills rewards.
- Fuel Surcharge Waiver: Offers 1% rewards.
- Reward Point Value / Cashback: Offers 4-5% Cashback (Category-based) rewards.
Important Parameters: Monthly cashback limits apply by category (fuel/utilities/phone). Fuel surcharge waiver is limited by transaction conditions and issuer-defined caps.
Break-Even & Value Analysis
With an annual fee of ₹750 + GST (₹885), spending ₹15,000 per year (₹1,250/month) on fuel and telephone bills at 5% cashback generates ₹750, recovering the card fee. Spending ₹90,000 across all categories waives the renewal fee entirely.
Pros & Cons
Pros
- 5% cashback on fuel purchases across all fuel station brands in India (capped at ₹200 per statement cycle).
- 5% cashback on telephone and utility bill payments (capped at ₹100 per statement cycle).
- Joining and annual fee of ₹750 + GST is completely waived on spending ₹90,000 annually.
- 1% fuel surcharge waiver on transactions across all fuel stations.
Watchouts & Cons
- Joining fee of ₹750 + GST applies in the first year.
- Minimum transaction value of ₹750 required to earn 5% cashback on fuel and utilities.
- Does not offer complimentary domestic or international airport lounge access.
- Base reward rate on general retail spends is low at 1 point per ₹150.
CardSe Verdict
The Standard Chartered Super Value Titanium Credit Card is one of the classic, reliable utility cards in India. Unlike oil-brand co-branded cards, its 5% fuel cashback applies across ANY fuel brand in India, making it exceptionally flexible.
Detailed Card Parameters
| Joining & Annual Fee | Rs 750 + GST |
| Welcome Benefit | - |
| Annual Fee Waiver | Rs 90,000 spend |
| Domestic Lounge Access | None |
| Spends for Lounge | - |
| Fuel Rewards | 5% cashback on fuel (issuer conditions apply) |
| Fuel Surcharge Waiver | 1% |
| Other Rewards | 5% cashback on Utility Bills |
| Reward Point Value / Cashback | 4-5% Cashback (Category-based) |
| Notes | Monthly cashback limits apply by category (fuel/utilities/phone). Fuel surcharge waiver is limited by transaction conditions and issuer-defined caps. |
Frequently Asked Questions
- What is the joining and renewal fee of SC Super Value Titanium?
- The joining fee is ₹750 + GST, and the annual renewal fee is ₹750 + GST. The renewal fee is 100% waived if total annual retail spends reach ₹90,000 or more in the previous membership year.
- Is fuel cashback on SC Super Value Titanium restricted to a specific oil company?
- No. The 5% fuel cashback applies to transactions at all fuel stations across India (HPCL, BPCL, IOCL, Shell), provided the transaction value is ₹750 or higher.
- What is the minimum transaction amount required to earn 5% cashback?
- Each fuel or utility bill payment transaction must be ₹750 or higher to qualify for the 5% cashback tier.
- Does SC Super Value Titanium offer airport lounge access?
- No. The card does not include complimentary airport lounge access.