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Standard Chartered India · Visa · हिन्दी

SC Super Value Titanium Credit Card: full review

The SC Super Value Titanium is best suited for users with low-to-medium utility and fuel spends who want a single card for both. The ₹100/month utility cap limits savings for high spenders, but at ₹750 annual fee it pays for itself easily.

Apply now ↗Annual fee: ₹750 + taxes
Last updated: August 2026 · Current terms verified
STANDARD CHARTER
VISA
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SC SUPER VALUE
ASHOK KUMAR
12/28
₹750 + taxes (waived on ₹90,000/year spend)Annual fee
5% cashback on utility bills via SC Billpay (capped ₹100/month); 5% on fuel; 5% on telecom bills; 1 RP per ₹150 on othersReward structure
NoneLounge access

Key benefits of the SC Super Value Titanium Credit Card

5% cashback on utility bills via SC Billpay (min ₹750/transaction, capped ₹100/month)5% cashback on fuel (min ₹750/transaction, capped ₹200/month)5% cashback on telecom/phone bills via SC Billpay (min ₹750/transaction, capped ₹200/month)1 reward point per ₹150 on all other spendsAnnual fee waived on ₹90,000/year spend
Apply now ↗ Min. income: ₹25,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ One of few cards offering structured utility cashback
✓ 5% rate on fuel, utility and telecom together
✓ Low annual fee waivable at modest spend
✓ Direct statement cashback, no redemption needed
Cons
✗ Utility cashback capped at just ₹100/month, very low
✗ Must pay via SC Billpay platform to earn utility cashback
✗ No lounge access
✗ Low base rate of 0.16% on other spends
Quick facts
Issuer Standard Chartered India
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹750 + taxes (waived on ₹90,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹750
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceStandard Chartered India's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for SC Super Value Titanium Credit Card is ₹750 + taxes (waived on ₹90,000/year spend). The joining fee is ₹750.
The main benefits of the SC Super Value Titanium Credit Card are: 5% cashback on utility bills via SC Billpay (min ₹750/transaction, capped ₹100/month); 5% cashback on fuel (min ₹750/transaction, capped ₹200/month); 5% cashback on telecom/phone bills via SC Billpay (min ₹750/transaction, capped ₹200/month); 1 reward point per ₹150 on all other spends; Annual fee waived on ₹90,000/year spend.
5% cashback on utility bills via SC Billpay (capped ₹100/month); 5% on fuel; 5% on telecom bills; 1 RP per ₹150 on others
SC Super Value Titanium Credit Card is best for Utility, fuel and telecom bills at a low annual fee. The SC Super Value Titanium is best suited for users with low-to-medium utility and fuel spends who want a single card for both. The ₹100/month utility cap limits savings for high spenders, but at ₹750 annual fee it pays for itself easily.
The minimum income requirement for SC Super Value Titanium Credit Card is ₹25,000/month (salaried). A minimum credit score of 700+ is also recommended.
SC Super Value Titanium Credit Card does not offer airport lounge access.
SC Super Value Titanium Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Fuel Credit Cards →Best Credit Cards for Utility Bill Payments →
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SC Super Value Titanium₹750 + taxes
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