Standard Chartered Super Value Titanium Credit Card

Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in fuel, utilities. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 0.17% base rate
• Domestic lounge access: No complimentary domestic lounge access for standard cardholders; Priority Pass lounge access only for Premium Banking customers
• International lounge access: Complimentary Priority Pass global lounge access, restricted to Standard Chartered Premium Banking customers only

• ✈️ Travel

  Complimentary Priority Pass with global lounge access, for Standard Chartered Premium Banking customers only

• 🧾 Utilities

  5% reward rate (capped ₹100/monthly)

• ⛽ Fuel

  5% reward rate (capped ₹200/monthly)

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 700
• Employment: salaried, self-employed
• Age: 18–65

• Spend-based waiver: Waived on annual spend of ₹90,000
• Rewards redemption fee: Cashback credited automatically to the statement; no redemption fee
• Foreign currency markup: 3.5%
• Fuel surcharge waiver: 1% fuel surcharge waiver, part of the 5% fuel cashback category cap
• Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher

• 5% cashback on fuel (transactions up to ₹2,000), telephone bills and utility bills (transactions above ₹750); ₹100 per transaction cap, ₹200 per statement cycle on fuel and phone, ₹100 per cycle on utilities
• Complimentary Priority Pass with global lounge access, for Standard Chartered Premium Banking customers only
• Kuch Bhi on EMI — convert spends above ₹2,000 into EMI
• Instant virtual card issuance via Video KYC