Standard Chartered Super Value Titanium Credit Card
Product Details
Credit Card Name :
Standard Chartered Super Value Titanium Credit Card
Bank Name :
Standard Chartered Bank
Type :
Regular Credit Card
Interest Rate :
8.65% p.a
Eligibility :
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.
Pros
Welcome Benefit: None
Reward System: Get 2%cashback on your Online spending, up to a maximum of Rs 1000 per month, and 1% cashback on your other spending, up to a maximum of Rs 500 per month. Fuel transactions are not eligible for cashback.
Cons
The card offers a lower reward rate compared to other credit cards in its segment.
The card does not offer any concierge services or access to airport or railway lounges.
The monthly cashback benefits are capped very low.
The card does not offer any fuel surcharge waiver.
Users do not get reward points on any transaction.
Pros & Cons
Welcome Benefits
None
Rewards System
Flat 2% cashback on online spends.
Flat 1% cashback on other spends.
1 reward point equals ₹1.
2% on all online spends, capped at Rs. 1,000 per month.
1% on all other spends.
Effective Cashback Rate: 1.5%
International Forex Markup
2% markup on all international transactions (except Nepal and Bhutan).
Welcome Benefits and Reward System
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.
Benefits
Cashback: Earn up to 2% cashback on all your spending, with no minimum spend requirement.
No annual fee: There is no annual fee for the first year, and then a low annual fee of $99 thereafter.
0% interest on balance transfers: Transfer your balance from another credit card and enjoy 0% interest for the first 6 months.
Travel insurance: Get up to $250,000 in travel insurance when you use your card to book your travel.
Purchase protection: Your purchases are protected against damage or theft for up to 90 days.
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
Standard Chartered Smart Credit Card
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
Product Review
Fees & Charges
Joining / First Year Fee of INR 499 + GST waived as a Special Offer (Not applicable for existing SCB credit card holders).
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: Rs. 500 or 5% of outstanding balance, whichever is higher, in India. Refer to specific terms for other regions.
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.
Foreign Currency Transaction: 3.5% of the transaction amount.
Fuel Surcharge
₹10 or 1% of transaction amount (whichever is higher) on petrol transactions.
No surcharge on diesel transactions.
Billing Cycle
30 Days