Standard Chartered Super Value Titanium Credit Card

The Standard Chartered Super Value Titanium Credit Card is one of India's longest-standing dedicated utility and fuel cashback instruments. In an era where most credit cards actively devalue or exclude utility bills, telecom recharges, and fuel transactions from reward programs, Super Value Titanium stands out by offering a direct, contractual **5% cashback** on all three essential household expenditure pillars: fuel purchases at any petrol pump nationwide, telephone/broadband bills, and recurring municipal utilities (electricity, water, and gas). The cashback structure is straightforward: 5% cashback on fuel purchases (capped at ₹200 per statement cycle, minimum transaction ₹750); 5% cashback on phone bills (capped at ₹100 per statement cycle, minimum transaction ₹750); and 5% cashback on utility bill payments (capped at ₹100 per statement cycle, minimum transaction ₹750). Combined, a cardholder maximizing these three categories earns **₹400 per month** (₹4,800 annually) in hard cashback. The annual fee of ₹750 + GST is easily waived by spending just ₹90,000 annually (~₹7,500/month), making the card effectively free for any disciplined household. The primary limitation is the modest ₹400 combined monthly cashback ceiling and the strict ₹750 minimum transaction threshold required to trigger the 5% cashback. Furthermore, general retail spending earns an unimpressive 1 reward point per ₹150 (~0.20% return), and no airport lounge access is provided. Consequently, Super Value Titanium should never be used as a primary shopping card; rather, it serves best as a dedicated utility and fuel secondary card kept specifically to harvest ₹4,800 in recurring annual bill discounts.

Mandatory Verification Documents