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Standard Chartered Super Value Titanium Credit Card: Best Rewards Credit Card?



Standard Chartered Super Value Titanium Credit Card: Best Rewards Credit Card?


If you are looking for a credit card that offers you cashback on your essential expenses such as fuel, phone, and utility bills, then you might want to consider the Standard Chartered Super Value Titanium Credit Card. This card is designed to help you save money on your everyday spending while also rewarding you with reward points for other purchases. In this blog post, we will review the features, benefits, fees and charges, application process, and pros and cons of this credit card.


Features and Benefits of Standard Chartered Super Value Titanium Credit Card:


  • 5% cashback on fuel: You can get 5% cashback on fuel spends at all fuel stations up to INR 200 per month (Max cashback INR 100 per transaction). All transactions of INR 2,000 or below are eligible for cashback. This can help you save on your monthly fuel expenses.

  • 5% cashback on phone bills: You can also get 5% cashback on your telephone bills, for any transaction amount above just INR 750 (Max cashback INR 100 per transaction). The maximum cashback available per month is INR 200. This can help you reduce your phone bill costs.

  • 5% cashback on utility bills: You can receive 5% cashback on paying for your utility bills such as electricity, gas, water etc. The minimum transaction amount is just INR 750 (Max cashback INR 100 per transaction) and you can receive a maximum cashback amount of Rs 100 per month. This can help you save on your household expenses.

  • Rewards on other spends: For every INR 150 you spend on all other expenses using your credit card, you earn 1 reward point. You can redeem your reward points for vouchers, discounts and other offers from the Standard Chartered 360° rewards program catalogue.

  • Contactless credit card: You can enjoy simple, secure and convenient payments with your contactless credit card. You just need to tap your card at the terminal to pay for transactions up to INR 5,000 without entering your PIN or signing the receipt.

  • Online banking and SC Mobile: You can access your credit card account anytime and anywhere with online banking and SC Mobile app. You can check your card balance, make instant card payments, convert your big spends into easy EMIs, request for a dial-a-loan and more.

  • Complimentary Priority Pass membership: If you are a Premium Banking customer of Standard Chartered, you can enjoy a complimentary Super Value Titanium credit card which also comes with a complimentary Priority Pass membership. This gives you access to over 1,000 airport lounges across the world.

Fees and Charges of Standard Chartered Super Value Titanium Credit Card:

  • Joining fee: INR 750.

  • Annual fee: Nil for Premium Banking customers; INR 750 for others (waived if annual spends exceed INR 90,000)

  • Finance charges: Up to 3.49% per month (41.88% per annum)

  • Cash advance fee: 3% of the amount withdrawn or INR 300, whichever is higher

  • Late payment fee: INR 100-800 depending on the outstanding balance

  • Over limit fee: 2.5% of the over limit amount or INR 500, whichever is higher

  • Foreign currency transaction fee: 3.5% of the transaction amount

  • GST: Applicable as per government norms.


Pros and Cons of Standard Chartered Super Value Titanium Credit Card:


Pros:

 

  • Cashback on fuel, phone and utility bills

  • Reward points on other spends

  • Contactless credit card

  • Online banking and SC Mobile

  • Complimentary Priority Pass membership for Premium Banking customers

  • Low annual fee (waived for Premium Banking customers and high spenders)

 

Cons:

 

  • Cashback is capped at INR 200 per month for fuel and phone bills and INR 100 per month for utility bills

  • Cashback is applicable only on transactions of INR 2,000 or below for fuel and INR 750 or above for phone and utility bills

  • Cashback on phone and utility bills is valid only if the bills are registered and paid through the Billpay platform of Standard Chartered Bank

  • Reward points are low compared to other cards (1 point per INR 150)

  • Foreign currency transaction fee is high (3.5%)

  • Finance charges are high (up to 3.49% per month).


Comparison of Standard Chartered Super Value Credit Card with other cards available in the Market:


Standard Chartered Super Value Credit Card vs. TATA Neu Credit Card:


Standard Chartered Super Value Titanium Credit Card and Tata Neu Credit Card are two popular options for credit card users in India. Both cards offer attractive features and benefits, but there are some differences that may influence your choice. Here is a comparison of the two cards based on some key parameters:

 

  • Annual fee: The Standard Chartered card charges an annual fee of Rs. 750, which can be waived off if you spend Rs. 90,000 or more in a year. The Tata Neu card has no annual fee, making it more affordable for low-spending users.

  • Rewards: The Standard Chartered card offers 5% cashback on fuel, phone and utility bills, and 1 reward point for every Rs. 150 spent on other categories. The Tata Neu card offers 3 reward points for every Rs. 100 spent on all categories, and additional points on online shopping, dining and entertainment.

  • Interest rate: The Standard Chartered card has an interest rate of 3.49% per month, which is higher than the Tata Neu card's rate of 2.99% per month. This means that the Standard Chartered card will cost you more if you carry a balance on your card.

  • Benefits: The Standard Chartered card offers benefits such as complimentary airport lounge access, fuel surcharge waiver, and discounts on travel, dining and shopping. The Tata Neu card offers benefits such as free movie tickets, cashback on online shopping, and discounts on travel, dining and entertainment.


Standard Chartered Super Value Titanium Credit Card vs. Axis Bank Ace Credit Card:


The Standard Chartered Super Value Titanium Credit Card and the Axis Bank Ace Credit Card are both cashback credit cards that offer benefits on various spending categories. Here is a comparison of their features and benefits:

 

  • Annual Fee: The Standard Chartered Super Value Titanium Credit Card charges an annual fee of Rs. 750, which can be waived off on spending Rs. 90,000 or more in a year. The Axis Bank Ace Credit Card charges an annual fee of Rs. 499, which can be waived off on spending Rs. 2 lakh or more in a year.

  • Cashback Rates: The Standard Chartered Super Value Titanium Credit Card offers 5% cashback on fuel, phone and utility bills, and 1 reward point per Rs. 150 on all other spends. The Axis Bank Ace Credit Card offers 5% cashback on bill payments, DTH and mobile recharges via Google Pay, 4% cashback on Swiggy, Zomato and Ola, and 2% cashback on all other spends.

  • Cashback Limits: The Standard Chartered Super Value Titanium Credit Card has a maximum cashback limit of Rs. 200 per month on fuel, phone and utility bills, and a minimum transaction amount of Rs. 750 for phone and utility bills. The Axis Bank Ace Credit Card has no maximum cashback limit on any category, but a minimum transaction amount of Rs. 100 for bill payments via Google Pay.

  • Lounge Access: The Standard Chartered Super Value Titanium Credit Card does not offer any lounge access benefit. The Axis Bank Ace Credit Card offers 4 complimentary lounge visits per calendar year at select domestic airports.

  • Fuel Surcharge Waiver: The Standard Chartered Super Value Titanium Credit Card offers 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 4,000, with a maximum benefit of up to Rs. 500 per statement cycle. The Axis Bank Ace Credit Card also offers 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 4,000, with no maximum benefit limit.

  • Dining Delights: The Standard Chartered Super Value Titanium Credit Card offers up to 20% off at over 4,000 partner restaurants in India. The Axis Bank Ace Credit Card does not offer any dining discount benefit.

  • EMI Facility: Both the credit cards offer the option to convert purchases above Rs. 2,500 into easy EMIs with flexible tenure options and attractive interest rates.

 

Based on this comparison, you can choose the card that suits your spending habits and preferences. All the cards have their own advantages and disadvantages, so you should weigh them carefully before applying for one. However, after the comparison it can be said that are a better choice than Standard Chartered Super Value Titanium Credit Card.


Conclusion

 

The Standard Chartered Super Value Titanium Credit Card is a good option for those who want to save money on their essential expenses such as fuel, phone and utility bills. It also offers reward points for other purchases and some other features such as contactless credit card, online banking and SC Mobile, complimentary Priority Pass membership etc. However, it also has some drawbacks such as low cashback limit, high foreign currency transaction fee, high finance charges etc. Therefore, you should compare this card with other cards in the market and choose the one that suits your needs and preferences the best.


FAQs:

  1. What is the eligibility criteria for the Standard Chartered Super Value Titanium Credit Card?

  2. What are the benefits of the Standard Chartered Super Value Titanium Credit Card?

  3. What is a fuel credit card and is a Super Value Titanium card a fuel credit card?

  4. What is the maximum cashback available per month on the Standard Chartered Super Value Titanium Credit Card?

  5. What is the minimum transaction amount required to avail cashback on phone bills using the Standard Chartered Super Value Titanium Credit Card?

  6. What is the minimum transaction amount required to avail cashback on utility bills using the Standard Chartered Super Value Titanium Credit Card? Ans. The minimum transaction amount required to avail cashback on utility bills using the Standard Chartered Super Value Titanium Credit Card is INR 750.

  7. What is the reward point system for the Standard Chartered Super Value Titanium Credit Card?

  8. What is the annual fee for the Standard Chartered Super Value Titanium Credit Card?

  9. What is the maximum age limit for applying for the Standard Chartered Super Value Titanium Credit Card?

  10. What is the maximum cashback available per transaction on the Standard Chartered Super Value Titanium Credit Card?

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