Standard Chartered Super Value Titanium Credit Card Review

Introducing our extensive evaluation of the Standard Chartered Super Value Titanium Credit Card! In the modern era, credit cards have become indispensable for handling our finances and optimizing the benefits of our everyday spending. If you’re searching for a credit card that provides enticing cashback and reward prospects, the Standard Chartered Super Value Titanium Credit Card could be an ideal choice for you.

With this card, you can enjoy a wide range of benefits and perks tailored to enhance your spending experience. Designed to cater to the needs of both premium banking customers and others, this credit card offers something for everyone.
For premium banking customers, the card comes absolutely free, allowing you to access all its features and benefits without any additional cost. For others, there is an annual fee of Rs. 750, ensuring that you can still enjoy the perks of this card at an affordable price.

One of the key highlights of the Standard Chartered Super Value Titanium Credit Card is the generous cashback offers it provides on various categories. You can earn up to 5% cashback on utility bills payments, fuel transactions, and phone bills, allowing you to save money on your essential expenses.

Additionally, the card rewards your spending in other categories as well. For every Rs 150 spent, you earn 1 reward point, further enhancing the value you receive from your everyday purchases.

As a special welcome benefit, the card offers an exciting opportunity to earn 100% cashback up to Rs. 1,500 on fuel transactions made within the first 90 days after card issuance. This welcome offer provides a great opportunity to kickstart your savings journey with this card.

Furthermore, premium banking customers can avail themselves of an exclusive complimentary Priority Pass membership, granting access to over 1,000 airport lounges worldwide. This perk enhances your travel experience and adds a touch of luxury to your journeys.

In this review, we will delve deeper into the features, benefits, and terms of the Standard Chartered Super Value Titanium Credit Card, helping you make an informed decision about whether it is the right card for you. So, if you’re ready to explore the world of cashback, rewards, and exclusive privileges, let’s dive into the details and uncover the true value of this credit card.

Features and Benefits

• Welcome Benefits: Upon receiving the Standard Chartered Super Value Titanium Credit Card, you are greeted with a fantastic welcome offer. By making fuel purchases within the first 90 days after card issuance, you can earn a remarkable 100% cashback, up to Rs. 1,500. This generous gesture ensures that you start reaping the rewards of this card right from the beginning.
• Travel Benefits: For esteemed Premium Banking customers, the Standard Chartered Super Value Titanium Credit Card offers an exclusive perk in the form of a complimentary Priority Pass membership. This membership grants you access to over 1,000 airport lounges worldwide, providing a luxurious and comfortable environment for you to unwind and relax before your flights. Whether you’re a frequent traveler or simply enjoy the indulgence of airport lounges, this benefit adds a touch of elegance to your travel experiences.
• Spend-Based Waiver: The Standard Chartered Super Value Titanium Credit Card takes care of its cardholders by offering a renewal fee waiver for the second year onwards. To enjoy this waiver, you simply need to demonstrate your active usage of the card. If you have spent Rs. 90,000 or more in the previous year, the annual renewal fee of Rs. 750 will be waived off, providing you with a cost-effective way to continue enjoying the card’s features and benefits.

Standard Chartered Super Value Titanium Credit Card Rewards/Cashback

• Fuel Spends Cashback: Enjoy the benefit of earning cashback on your fuel expenses with the Standard Chartered Super Value Titanium Credit Card. Earn an attractive 5% cashback on fuel spends at all fuel stations, with a maximum cashback of up to Rs. 200 per month. Each transaction is eligible for a maximum cashback of Rs. 100. This cashback offer applies to transactions of Rs. 2,000 or below, making it a rewarding way to save on your fuel expenses.
• Utility Bills Payments Cashback: Say goodbye to hefty utility bills and earn cashback in the process. With the Super Value Titanium Credit Card, you can earn up to 5% cashback on your utility bill payments. This cashback is applicable on minimum transactions of Rs. 750, and you can enjoy a maximum cashback of Rs. 100 per month. This rewarding feature not only simplifies your bill payments but also provides you with valuable savings.
• Telephone Bill Payments Cashback: Stay connected and earn cashback on your telephone bill payments with the Super Value Titanium Credit Card. By making telephone bill payments of a minimum amount of Rs. 750, you can earn up to 5% cashback. The maximum cashback available per month is Rs. 200. This cashback offer adds value to your communication expenses and helps you save on your monthly bills.
• Rewards Points on Other Categories: In addition to the cashback benefits, the Standard Chartered Super Value Titanium Credit Card rewards your spending in other categories as well. For every Rs. 150 that you spend on purchases outside the specified categories, you earn 1 Reward Point (RP). These Reward Points can be accumulated and redeemed for a range of exciting rewards, allowing you to make the most out of your regular spending.

The Super Value Titanium Credit Card’s rewards and cashback program provides you with lucrative opportunities to save money and earn valuable rewards on your everyday expenses. Whether it’s fuel spends, utility bills, or telephone bill payments, this credit card ensures that you receive tangible benefits while managing your finances. Accumulate cashback and rewards points, and unlock a world of possibilities with the Standard Chartered Super Value Titanium Credit Card.

Standard Chartered Super Value Titanium Credit Card Fees and Charges

• Joining and Annual Membership Fee: To avail the benefits of the Super Value Titanium Credit Card, there is a joining fee and an annual membership fee of Rs. 750. However, this fee can be reversed if you spend Rs. 90,000 or more in the previous year, making it a rewarding proposition for active card users.
• Interest Rate: The Standard Chartered Super Value Titanium Credit Card carries an interest rate of 1.99% per month. It’s essential to manage your card payments diligently to avoid incurring interest charges. Clearing your outstanding balance within the specified billing cycle can help you avoid interest fees and maintain financial discipline.
• Foreign Currency Markup Charges: When you use your Super Value Titanium Credit Card for transactions in a currency other than Indian Rupees, a foreign currency markup charge of 3.5% is applicable. This charge is calculated based on the total transaction amount and is important to consider when using your card for international transactions.
• Cash Advance Fee: In situations where you need cash urgently, the Super Value Titanium Credit Card allows cash advances. However, a cash advance fee of 3% of the transacted amount applies, subject to a minimum fee of Rs. 300. It’s important to note that cash advances often come with higher interest rates compared to regular credit card transactions, so it’s advisable to use this feature judiciously.

Eligibility Criteria

To ensure that you meet the requirements for approval of the Standard Chartered Super Value Titanium Credit Card, kindly review the following eligibility criteria:

• Age Criteria: The primary cardholder must be between 21 years and 65 years of age. Additionally, the supplementary cardholder should be above 18 years of age, enabling individuals to extend the benefits of the card to their family members.
• Minimum Income Requirement: The applicant should have a minimum monthly income of Rs. 60,000. This criterion helps ensure that applicants have a stable financial capacity to manage the card’s expenses and fulfill their repayment obligations.
• Residential Location: The applicant should be residing in one of the cities where Standard Chartered Credit Card services are available. It is advisable to check the list of eligible cities to confirm if your place of residence falls within the coverage area.
• Credit History: A decent credit history is an important factor considered during the approval process. It signifies responsible financial behavior and repayment habits. While having a good credit history increases the chances of approval, individuals with limited credit history may also be considered based on other eligibility factors.

How to Apply for the Super Value Titanium Credit Card?

Applying for the Standard Chartered Super Value Titanium Credit Card is a simple and convenient process, offering both online and offline options. To initiate your application, consider the following steps:

• Offline Application: If there is a Standard Chartered Bank branch available in your city, you can visit the nearest branch to apply for the Super Value Titanium Card. Simply bring along all the necessary documents and complete the physical application form provided by the bank. The branch staff will guide you through the application process and address any queries you may have.
• Online Application: For a seamless and time-efficient application experience, you can choose to apply for the Super Value Titanium Credit Card online. Follow these steps to get started:
  • Visit the official website of Standard Chartered Bank.
  • Locate and click on the ‘Credit Card’ option available on the website’s interface.
  • Look for the ‘StanChart Super Value Titanium Credit Card’ and select it as your preferred choice.
  • Click on the ‘Apply Now’ option to proceed further.
  • Fill in the required information as requested on the application form.
  • Ensure that you have all the necessary documents ready for upload during the online application process.
  • Completing these steps will initiate your application for the Super Value Titanium Credit Card. Whether you choose the offline or online route, Standard Chartered Bank aims to provide a convenient and user-friendly experience, ensuring that you can access the card’s features and benefits with ease.

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FAQs

Is there a spend-based waiver for the annual fee?

Yes, if you have spent Rs. 90,000 or more in the previous year, the renewal fee of Rs. 750 will be waived off from the second year onwards.

What is the interest rate charged on the Super Value Titanium Credit Card?

The interest rate on the card is 1.99% per month. It’s important to make timely payments to avoid interest charges.

Can I earn reward points on categories other than fuel, utility bills, and phone bills?

Yes, for all other categories, you can earn 1 Reward Point (RP) for every Rs. 150 spent. These reward points can be accumulated and redeemed for a range of rewards.

Is the Super Value Titanium Credit Card accepted internationally?

Yes, the card is globally accepted, allowing you to make transactions in different currencies. However, foreign currency transactions may incur a markup charge of 3.5% on the total transaction amount.

Are there any annual fees associated with the Super Value Titanium Credit Card?

Yes, there is an annual fee of Rs. 750 for non-premium banking customers. However, premium banking customers can enjoy this card for free as a part of their banking relationship.

Conclusion

The Standard Chartered Super Value Titanium credit card offers a wide range of benefits and privileges that cater to your daily spending needs. With its attractive welcome benefits and cashback offers, this card is particularly advantageous for individuals who frequently make fuel transactions. Additionally, it is well-suited for utility and mobile bill payments, allowing you to save 5% on these categories every time you use the card.

Premium banking customers stand to gain exceptional value from the Super Value Titanium credit card, as it is offered to them free of charge. Moreover, these customers can enjoy the added perk of a complimentary Priority Pass membership, granting access to over one thousand lounges worldwide. If you fall into the premium banking category or have significant fuel expenses, the Standard Chartered Super Value Titanium credit card is a compelling choice worth considering.

For those seeking an alternative, the HSBC Cashback Credit Card presents a comparable option to the Super Value Titanium Card. Notably, the HSBC Cashback Credit Card does not have a joining fee and carries an annual fee of Rs. 750, offering a similar set of benefits and features.

To make an informed decision that aligns with your specific needs and preferences, carefully evaluate the offerings of both the Standard Chartered Super Value Titanium Credit Card and the HSBC Cashback Credit Card.

Author: Vedanti KiranVedanti is a female finance writer, currently pursuing her studies at Hansraj College. She has a passion for writing and travelling, and her articles on the stock market, finance, investment, and cryptocurrency are well-researched and informative. With her unique perspective on the world of finance, Vedanti is a go-to source for those seeking insights into the world of finance.