Welcome Benefit: None
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Standard Chartered Super Value Titanium Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: None
Milestone Benefits
None.
Cashback Rate
Reward System: Users will get 5% cash back on fuel bills, provided the maximum transaction amount does not exceed INR 2000.
5% cashback on telephone bills, on a minimum transaction amount of INR 750 (Telephone bill needs to be register and paid through the Billpay platform of Standard Chartered Bank).
5% cashback on utility bills, on a minimum transaction amount of INR 750 (Utility bill needs to be register and paid through the Billpay platform of Standard Chartered Bank).
User gets 1 reward point on all othe spends on spending INR 150. General cashback rate 0.17%
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Free priority pass membership.
Lounge Access
Free priority pass membership.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: None
Milestone Benefits
None.
Cashback Rate
Reward System: Users will get 5% cash back on fuel bills, provided the maximum transaction amount does not exceed INR 2000.
5% cashback on telephone bills, on a minimum transaction amount of INR 750 (Telephone bill needs to be register and paid through the Billpay platform of Standard Chartered Bank).
5% cashback on utility bills, on a minimum transaction amount of INR 750 (Utility bill needs to be register and paid through the Billpay platform of Standard Chartered Bank).
User gets 1 reward point on all othe spends on spending INR 150. General cashback rate 0.17%
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Free priority pass membership.
Lounge Access
Free priority pass membership.
Fees & Charges
Joining Fee
INR 499
Annual Fee
INR 499
Cash Advance Fee
2.5% of the amount withdrawn or Rs. 500, whichever is higher,
Interest rate
Interest Rates:Effective Interest Rate (EIR) of 23.9%, 27.9%, or 29.9% p.a. based on your credit profile. Finance charges at 0.065%, 0.076%, or 0.082% daily if payment is not made in full.
Late Payment Fee
Late Payment:Rs. 500 or 5% of outstanding balance, whichever is higher, in India. Refer to specific terms for other regions.
Foreign Currency Transactions Fee
Foreign Currency Transaction:3.5% of the transaction amount.
Other Fees
Joining / First Year Fee of INR 499 + GST waived as a Special Offer (Not applicable for existing SCB credit card holders). | Minimum Payment:5% of your outstanding balance (rounded up to the nearest Rs. 100) in India. May vary in other regions. | Cash Advance:2.5% of the amount withdrawn or Rs. 500, whichever is higher, in India. May vary in other regions.
Fees & Charges
Joining Fee
INR 499
Annual Fee
INR 499
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates:Effective Interest Rate (EIR) of 23.9%, 27.9%, or 29.9% p.a. based on your credit profile. Finance charges at 0.065%, 0.076%, or 0.082% daily if payment is not made in full.
Late Payment Fee
Late Payment:Rs. 500 or 5% of outstanding balance, whichever is higher, in India. Refer to specific terms for other regions.
Foreign Currency Transactions Fee
Foreign Currency Transaction:3.5% of the transaction amount.
Other Fees
Joining / First Year Fee of INR 499 + GST waived as a Special Offer (Not applicable for existing SCB credit card holders). | Minimum Payment:5% of your outstanding balance (rounded up to the nearest Rs. 100) in India. May vary in other regions. | Cash Advance:2.5% of the amount withdrawn or Rs. 500, whichever is higher, in India. May vary in other regions.
Special Features
None
Eligibility Criteria
To be eligible for the Standard Chartered Smart Credit Card, the primary applicant should be between 18 and 65 years of age and have a stable source of income.
The add-on applicant should be at least 18 years old.
The applicant must also belong to the credit card sourcing cities or locations of Standard Chartered Bank. The applicant must have an income of INR 25,000 or above per month and a CIBIL score of 750 or above.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Gather your documents. You will need to provide your proof of identity, proof of income, and proof of address.
Complete the application form. You can find the application form online or at a Standard Chartered branch.
Submit your application. Once you have completed the application form, you can submit it online or in person at a Standard Chartered branch.
Wait for a decision. Standard Chartered will review your application and make a decision within 5-7 business days.
Contact Details
6601 4444 / 3940 4444
Account Opening and Procedure
The Standard Chartered Smart Credit Card is a practical beginner's choice with its straightforward cashback and affordable fees. However, its lower reward rates and lack of premium benefits might not appeal to seasoned cardholders or high spenders. Consider your spending habits and compare against other options before making your decision.
The Standard Chartered Smart Credit Card is a practical beginner's choice with its straightforward cashback and affordable fees. However, its lower reward rates and lack of premium benefits might not appeal to seasoned cardholders or high spenders. Consider your spending habits and compare against other options before making your decision.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai