If you are searching for a great card to use specifically on fuel, utilities or phone bills, then the Standard Chartered Super Value Titanium Credit Card might be for you. For all three categories, this card earns cardholders the highest cashback available at 5%. The Super Value Titanium Card also earns rewards on spending for other categories outside these three cashback categories, albeit at a slightly lower rate. Finally, for priority banking customers, the card allows cardholders one free Priority Pass visit per month.
What Makes The Standard Chartered Super Value Titanium Card Stand Out?
The Standard Chartered Super Value Titanium Credit Card is the best cashback card in India for fuel purchases and is also offers the highest cashback for utilities and phone bill payments. The card offers 5% cashback for all three categories, subject to Rs. 750 minimum transaction, with a maximum cashback of Rs. 200 per month for fuel and phone bills and Rs.100 cashback for utilities.This can provide great value for cardholders that have high payments in any and all of those spending categories. Unfortunately, the card has no benefits or promotions other than the 1 Priority Pass visit, making it less attractive to those who are looking for more than just cashback. Through the Priority Pass program members are allowed to visit lounges across the globe with a cost of just $27 per visit. The SC Super Value Titanium Card waives this fee once per month with annual spends of just Rs. 20,000 done in the previous month, for priority Banking customers. The card also offers a lower rewards rate of 0.16% (1 point per Rs. 150 spent, 1 point = 0.53 InterMiles, Rs. 0.24). Additionally, this travel perk is offered to supplementary card holders for the whole family to enjoy. Priority customers are also allowed to waive the annual fee, see below for the eligibility criteria of becoming a priority customer.
- Must be with Standard Chartered for 12 months to be eligible -
- The minimum monthly average funds under management must be Rs. 1,500,000
- Minimum monthly salary credit to their Standard Chartered salary account must be Rs. 150,000
- The mortgage approved has to be of at least Rs. 1 Crore in the first year of commencement of being a priority customer, and then maintaining a mortgage outstanding balance of above Rs. 1 Crore.
How Does the Standard Chartered Super Value Titanium Credit Card’s Rewards Program Work?
The Standard Chartered Rewards program for the Super Value Titanium Card works as a hybrid option where cardholders are given cashback for certain categories and a general points rewards rate for all other spending categories. Cardholders receive a 5% cashback on fuel, utilities, and phone bills (barring all caps, limits and transaction restrictions). On all other spending categories, the card offers 1 point per Rs. 150 spent and has a redemption rate of 1 point = 0.53 InterMiles, Rs. 0.24. Through the 360º Rewards system used at Standard Chartered, cardholders can redeem points that expire after 3 years of receiving them with a 4,000 point cap per month.
- Cardholder earns 1 reward points on every Rs. 150 spent
- Points redemption rate: 1 point = 0.53 InterMiles = ~Rs. 0.24
- Maximum 360º rewards points of 4,000 points per month
- Cashback goes directly to statement
- Accumulated points expire after 3 years
Standard Chartered Super Value Titanium Credit Card's Features and Benefits:
|Rewards Rate Details
|Benefits & Perks
Standard Chartered Super Value Titanium Credit Card Rewards Exclusions
The following credit card expenditures are ineligible for rewards:
|Cash Advances or cash withdrawals at ATMs||Annual fees charged for the cards|
|Interest or finance charges levied on card outstanding||Late payment and collection charges|
|Fees and charges levied and reversed from card accounts||Charges incurred but not yet submitted by the merchant or posted to your credit card account|
|Amounts which have been rolled over from preceding month's outstanding||Tax refunds from overseas purchases|
|Pay portion for a Points Plus Pay Rewards Points redemption (where you use Rewards Points along with paying a specific amount to redeem the reward)||Balance transfer to your Card Account, purchase or top up of prepaid cards.|
How Does Standard Chartered Super Value Titanium Credit Card Compare Against Other Cards?
Read our comparisons of the Standard Chartered Super Value Titanium Credit Card:
Standard Chartered Super Value Titanium Card vs. Standard Chartered Ultimate Card
The Standard Chartered Ultimate Credit Card and Standard Chartered Super Value Titanium Card both offer great earnings. The SC Ultimate Card offers 3.33% (5 points per Rs. 150 spent; 1 point = Rs. 1), the highest general rewards received by any card that receives cashback. The SC Super Value Titanium Card offers cardholders 5% cashback on fuel (Rs. 200 monthly cap), utilities (Rs. 100 monthly cap), phone bills spending (Rs. 200 monthly cap). On these three categories, the SC Super Value Titanium Card has more value than the SC Ultimate; however, for those seeking a versatile cashback card the Ultimate is a much stronger option.
Furthermore, unlike the SC Super Value Titanium Card, the SC Ultimate Card tends to offer excellent sign-up bonuses. Additionally, the SC Ultimate Card offers great travel perks such as, one free Priority Pass visit per month and 4 lounge visits per quarter via the Visa program. The SC Ultimate Card has other positives as well; for instance, 5% off on duty free spending and one of India’s lowest foreign transaction fees in India, at 2%. The SC Ultimate Card is a much better card from a holistic view, but if you spend a lot on fuel, utilities, or phone bills then we would still recommend the SC Super Value Titanium Card.
Standard Chartered Super Value Titanium Card vs. Citi Cashback Card
The Citibank Cashback Card and SC Super Value Titanium Card offer the best cashback rates for utility and phone bill payments, with a 5% cashback on both spending categories. Where the SC Super Value Titanium Card earns 5% on fuel, the Citi Cashback Card earns 5% on movie ticket spending. For moviegoers, the 5% cashback on movie tickets can be very attractive but for those looking for fuel cashback the 5% on fuel may be more attractive. Furthermore, the SC Super Value Titanium Card has a higher cashback cap of Rs. 200 per month whereas the Citi Cashback Card is more restrictive (Rs. 100). Unlike the Standard Chartered Card, the Citibank Card has a relatively low annual fee of Rs. 500 that can be waived every anniversary year once the cardholder surpasses annual spending of only Rs. 30,000. On all other spends the Citibank Card earns cardholders a decent 0.5% cashback, higher than the 0.16% rewards rate (1 point per Rs. 150 spent, 1 point = 0.53 InterMiles, Rs. 0.24) offered by its Standard Chartered counterpart. Both cards offer a lot in terms of utilities and phone bills; however, depending on your usage of fuel and movie spends the choice will be easier to make.
The Standard Chartered Card also offers a higher cap but a lower rate for all other spends. This makes the Standard Chartered Super Value Titanium Card better for those who have more of a focus on fuel as well and the Citi Cashback Card better for those who spend less on utilities and phone bills (due to the cap) and also spend on movie tickets.
Standard Chartered Super Value Titanium Card vs. SBI Card Prime
The SBI Card PRIME and the Standard Chartered Super Value Titanium Card offer the highest earnings in the market for utility bill payments. The SBI Prime is a points card that offers a rewards rate of 5% (20 points per Rs. 100 spent; 4 points = Rs. 1 cashback) on utility bill spending. The Standard Chartered offers a 5% cashback on utility bill spending with a monthly cap of Rs. 200. Depending on your preference of rewards type (i.e. cashback vs. points) this could the deciding factor for you when comparing these cards.
Additionally, the SBI Card Prime earns a great rewards rate of 3.75% (15 points per Rs. 100 spent) on online grocery spends on BigBasket. On dining, groceries, department stores and movie spending cardholders earn a very good 2.50% rewards rate (10 points per Rs. 100 spent), and 0.50% (2 points per Rs. 100) on all other retail spend. All of these rates are higher than the 0.16% rewards rate (1 point per Rs. 150 spent, 1 point = 0.53 InterMiles, Rs. 0.24) that the Standard Chartered Card earns on all other spending.
Standard Chartered Super Value Titanium Card vs. Standard Chartered Manhattan Platinum Card
The Standard Chartered Manhattan Platinum Card and the Standard Chartered Super Value Titanium Card are both cards that specialize in different spending categories. For example, the SC Manhattan Platinum earns cardholders a 5% cashback on all supermarket spends (with a cap of Rs. 500 per month) and the SC Super Value Titanium Card offers cardholders with a 5% cashback on fuel (Rs. 200 monthly cap), utilities (Rs. 100 monthly cap), phone bills spending (Rs. 200 monthly cap). Both are great rates but for completely different spending categories making it somewhat simple for the consumer to decide which card would work better for them. The SC Manhattan card offers a great sign-up bonus in BookMyShow vouchers.
Both credit cards have fairly low rewards rates, the SC Manhattan Card has a rewards rate of 0.48% (3 points per Rs. 150 1 point = 0.53 InterMiles = Rs 0.24) and the SC Super Value Titanium has a lower rewards rate of 0.16% (1 point per Rs. 150 spent, 1 point = 0.53 InterMiles, Rs. 0.24). If you have more of an interest in groceries and general spending the SC Manhattan Platinum Card is the clear choice between the two; however, if you are interested in fuel, utilities, and phone bills then the SC Super Value Titanium is the optimal choice.