Find my best card →
faayda.com › compare › SC Super Value Titanium vs Standard Chartered Rewards
Comparison · हिन्दी

SC Super Value Titanium vs Standard Chartered Rewards

Both cards compared on real rupee returns for Standard Chartered Super Value Titanium vs Rewards which better India. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
STANDARD C
SC SUPER VALUE
ASHOK KUMAR
VS
STANDARD C
REWARDS
ASHOK KUMAR
Our verdict
SC Super Value Titanium Credit Card wins for most people
Card A wins with ₹3,100 annual benefit versus Card B's ₹528. Its targeted cashback on utilities and fuel aligns perfectly with your spend profile, easily waiving the annual fee.
Side-by-side comparison
SC Super Value Titanium Credit Card ✓ Standard Chartered Rewards Credit Card
Annual benefit ₹3,100 ₹528
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) ₹1,000 + taxes from Year 2 (waived on ₹1,50,000/year spend; free for Year 1)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% cashback on utility bills via SC Billpay (capped ₹100/month); 5% on fuel; 5% on telecom bills; 1 RP per ₹150 on others 4 reward points per ₹150 on all retail spends (0.67%); additional 4 RP on monthly spend above ₹20,000 (total 8 RP = 1.33%); 1 per quarter domestic lounge
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None 1 domestic visit/quarter (4/year)
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% 3.5%
Best for Utility, fuel and telecom bills at a low annual fee Consistent spenders wanting flat rewards on everything with lounge access at low fee
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried) ₹25,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
SC Super Value Titanium Credit Card
Choose Card A if you have regular utility and fuel expenses. The 5% cashback on these categories combined with fee waiver at ₹90,000 annual spend makes it unbeatable for your profile.
Standard Chartered Rewards Credit Card
Card B suits those wanting uniform rewards across all categories without tracking specific offers. However, its lower earning rate and higher fee make it less optimal for your current spending pattern.
Who should get which card
Get SC Super Value Titanium if you…
· 5% cashback on fuel and utility bills matches your high spend in these categories
· Annual fee easily waived at ₹90,000 spend (₹7,500/month average)
· Straightforward rewards without complex tier calculations
· Superior value at ₹3,100 annual benefit
Get Standard Chartered Rewards if you…
· Consistent 0.67-1.33% rewards across all spending categories
· Domestic lounge access for frequent traveler convenience
· Free in Year 1 to test the card
· Better if your spend mix shifts away from utilities and fuel
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

See which card suits your exact spending

Get a personalised rupee estimate based on how you actually spend

Try the tool →

Already have one of these cards?

Upload your credit card statement. We'll show your real cashback, catch subscriptions, and flag if you're leaving money on the table

Analyse my statement →
Related guides
Standard Chartered Rewards vs HDFC Millennia →SC Super Value Titanium vs IDFC FIRST Power Plus →Best Fuel Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Amazon and Flipkart →
Frequently asked questions
Based on our analysis, SC Super Value Titanium Credit Card offers better annual returns for most spend profiles.
SC Super Value Titanium Credit Card has an annual fee of ₹750 + taxes (waived on ₹90,000/year spend). Standard Chartered Rewards Credit Card has an annual fee of ₹1,000 + taxes from Year 2 (waived on ₹1,50,000/year spend; free for Year 1).
SC Super Value Titanium Credit Card offers 5% cashback on utility bills via SC Billpay (capped ₹100/month); 5% on fuel; 5% on telecom bills; 1 RP per ₹150 on others. Standard Chartered Rewards Credit Card offers 4 reward points per ₹150 on all retail spends (0.67%); additional 4 RP on monthly spend above ₹20,000 (total 8 RP = 1.33%); 1 per quarter domestic lounge.
SC Super Value Titanium Credit Card lounge access: None. Standard Chartered Rewards Credit Card lounge access: 1 domestic visit/quarter (4/year).
SC Super Value Titanium Credit Card charges 3.5% forex markup. Standard Chartered Rewards Credit Card charges 3.5% forex markup.