Standard Chartered Super Value Titanium
KeepTwelve international lounge visits — if you already have ₹15 lakh parked at Standard Chartered.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Not published — SC advertises no welcome benefit on this card
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Breaks even only by erasing its fee at ₹8,000 a month
At ₹8,000 a month — ₹96,000 a year — on the everyday mix this card returns ₹200 gross (earn ₹200) against a fee of ₹0 — the ₹750 is waived, the spend having cleared ₹90,000 a year = ₹200 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #214
Why #214 Ranked as a bill-payment card with a conditional lounge, not as a travel card. The only gate it clears is lounge access, and that access exists ONLY in the Premium Banking variant, behind ₹15,00,000 of funds under management or a ₹1,50,000 monthly salary credit. A retail applicant gets a Priority Pass membership with zero free visits, which is a membership and not a quota. The value model cannot see that condition, so the rank is held below what the arithmetic alone would give it.
Standard Chartered's own value chart prices this card's points at ₹0.25 — ₹1,80,000 of annual spend at 1 point per ₹150 is 1,200 points, which SC totals as ₹300. earn.base bakes that discount in.
The take
This is a bill-payment card that reaches a travel desk through one door, and the door has a lock on it. Standard Chartered advertises "complimentary Priority Pass" on Super Value Titanium, and the small print is unambiguous about who that means: SC's own FAQ says the PREMIUM Super Value Titanium card gets one complimentary international lounge visit a month — twelve a year — using Priority Pass, and that the qualification is ₹15,00,000 of funds under management at individual account level or a monthly salary credit of ₹1,50,000, and that "there is no domestic lounge access on your credit card". Apply as an ordinary retail customer and what you get is the Priority Pass membership card and a bill for every entry, which is worth precisely nothing at an airport. If you qualify for Premium Banking, this is twelve international visits attached to a ₹750 fee that SC waives for you anyway, and that is genuinely good. If you do not, read the rest of the card on its merits: 5% back on fuel, telephone and utility bills, and every one of those buckets is capped so tightly — ₹200, ₹200 and ₹100 a month — that the whole accelerator is worth ₹6,000 a year at absolute maximum. Everything else earns one reward point per ₹150, which SC's own value chart prices at ₹0.25 a point, so 0.17%. Forex is 3.5% and the points transfer nowhere. Buy it for the utility caps or for the Premium Banking lounge; there is no third reason.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹750/yr at stake · 5 spend bands
The charge ₹750/yr
The waiver ₹90,000 of spend in the year before renewal — about ₹7,500 a month — and the renewal fee is not charged.
Break-even ₹8,000 a month — ₹96,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
₹500 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹900 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹1,800 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹5,500 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹9,100 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Standard Chartered publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 12 international lounge visits a year via Priority Pass — for Premium Banking clients only
- 5% cashback on fuel, telephone and utility bills, on a ₹750 fee reversed at ₹90,000 of spend
- Complimentary altogether for Premium Banking clients
- 1% fuel surcharge waiver was replaced on 25 August 2024 by the higher 5% fuel cashback
Watch out
- The lounge access is Premium Banking only, behind ₹15,00,000 of funds under management or a ₹1,50,000 monthly salary credit — a retail applicant gets a Priority Pass membership with ZERO free visits
- There is no domestic lounge access on this card at all, in either variant
- The three cashback buckets cap at ₹200, ₹200 and ₹100 a month — about ₹6,000 a year is the ceiling
- Fuel cashback only pays on transactions of ₹2,000 or below; telephone and utility need transactions above ₹750
- Base earn is 0.17% — SC's own value chart prices this card's point at ₹0.25, not the ₹1.00 its Ultimate gets
- Utility and telephone cashback requires SC's own bill-pay platforms; other platforms do not qualify
- Forex is 3.5% and the 360° programme has no airline or hotel transfer partner
What these points actually fly
No live transfer route takes StanC 360° Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
4 sourced rules
- Fuel · capped 5% cashback at all fuel stations, but only on transactions of ₹2,000 or below, and capped at ₹100 a transaction and ₹200 a month. SC discontinued the 1% fuel surcharge waiver on 25 August 2024 and raised the cashback from 4% to 5% in its place, credited to the R360 portal
- Utilities (electricity/water/gas) · capped 5% cashback on utility bills above ₹750, capped at ₹100 a transaction and just ₹100 a MONTH — the tightest of the card's three buckets, so ₹2,000 of utility spend exhausts it. The payment must go through Standard Chartered's own bill-pay platforms; other platforms do not qualify
- Telecom · capped 5% cashback on telephone bills above ₹750, capped at ₹100 a transaction and ₹200 a month, and again only through Standard Chartered's own bill-pay platforms
per Standard Chartered T&C · rank every card by spend category →
Does your spend count toward the fee waiver?
not published — and we say which
₹90,000 a year is the bar that waives the ₹750 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Standard Chartered states what the Standard Chartered Super Value Titanium earns and does not earn, but has not published which spend categories count toward the fee waiver — the ₹90,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
Standard Chartered publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official Standard Chartered MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
The card's own product page is unambiguous and card-specific — "First year annual fee – INR 750 · Renewal fee from second year – INR 750", reversed at ₹90,000 of spend, and complimentary altogether for Premium Banking clients. A CAUTION recorded rather than silently resolved: the shelf-wide tariff table flattens this card to "SuperValue Titanium 750 / Nil / 750" across columns headed Year 1, Year 2 onwards and Supplementary, which would read as a free second year and as a ₹750 supplementary card. That same table omits the Rewards Credit Card entirely and still lists retired products (Manhattan Platinum, Platinum Rewards), so it is the weaker witness on fees while remaining the authority on the shelf-wide 3.5% and on the charges above. Other shelf-wide charges: cheque return ₹500, card replacement ₹250, PIN replacement ₹100, duplicate statement ₹125 if over a month old, 1% on petrol transactions (min ₹10) and 2.5% on railway transactions (min ₹25), and ₹250 if the card is not used in its first three months. Standard Chartered publishes no income or age criterion for this card. The lounge benefit is Premium Banking only — see the lounge row.
per the official Standard Chartered MITC · reviewed 10 Jul 2026
What's changed for this card
3 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Oct 2024EaseMyTrip card loses Priority Pass, domestic visits halved1 complimentary domestic lounge visit per quarter + Priority Pass with 2 international visits a year → 2 domestic visits per calendar year; no Priority Pass, no complimentary international lounge access
The travel co-brand quietly stopped being a travel card: from 15 October 2024, Standard Chartered pulled Priority Pass from the EaseMyTrip card entirely and cut domestic lounge access from four visits a year to two. International lounges are now pay-per-visit at rack rates. What's left is a ₹350 EaseMyTrip discount coupon — which, to be fair, is what it always really was.
- 25 Aug 2024Ultimate's forex settles at a clean 2% at posting
- 2 Apr 2023Ultimate cuts six categories from 3.33% to 2%
Verified against Standard Chartered's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official Product page, value chart and FAQ — 5% cashback on fuel, telephone and utility bills, 1 reward point per ₹150 elsewhere, ₹750 both years, and the Premium Banking lounge condition
- official Shelf-wide tariffs and charges — "All overseas transactions are levied with a 3.5% transaction fee", with the Ultimate the only card carved out at 2%
- official Standard Chartered's January 2014 tariff schedule — this card at ₹499 / ₹750, and a separate bare 'Titanium' row the desk refuses