Standard Chartered India Super Value Titanium Credit Card

Lounge access

• No complimentary access to airport lounges in India for the standard Super Value Titanium Credit Card.
• Premium Banking clients holding the Premium Super Value Titanium Credit Card get complimentary Priority Pass membership.
• Eligible for 1 complimentary international lounge visit (outside India) per month on meeting qualifying criteria (FUM of ₹15 lakhs at individual account level or monthly salary credit of ₹1.5 lakhs or above).
• Non-complimentary and guest visits chargeable up to USD 29 per visit (up to USD 35 per visit w.e.f. 1-Dec-2024).

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Forex markup

• All overseas transactions are levied with a 3.5% transaction fee (includes charges paid out to Visa/Master for converting overseas transactions into INR).
• Transactions at merchant establishments registered overseas, even if the merchant is located in India, attract a charge of 1% from Visa/MasterCard included as part of the transaction amount.

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Charge

• Annualized Percentage Rate: 3.75% pm (APR 45%).
• Cash transactions 3.75% pm (APR 45%).
• Late Payment Charges (w.e.f 1 May 2024): ₹0 for outstanding <= ₹100.
• ₹100 for ₹101-500.
• ₹500 for ₹501-5,000.
• ₹700 for ₹5,001-10,000.
• ₹1200 for > ₹10,000.
• Additional ₹100 late fee if Minimum Amount Due not received for 2+ consecutive months.
• Cheque Bounce Charges: ₹500.
• Over Limit Charges: ₹500 per instance or 2.5% of overlimit amount (minimum ₹500).
• Card Replacement Fee: NIL.
• Rewards Handling Charges: ₹99.
• Cash Advance Fee: 3% of cash withdrawal amount (minimum ₹300).
• Surcharges: ₹25 or 2.5% of transaction (whichever higher) on Railway.
• ₹10 or 1% (whichever higher) on Petrol.
• Rental payments (w.e.f 2 April 2023): 1% processing fee on transaction amount + applicable taxes.
• GST at applicable rates.
• Cheque/Cash Pick up Fee: ₹100 for overdue card accounts.
• Cash Repayment Fee: ₹299 for cash payment at branch.
• Paper Statement: ₹99 per month if customer opts for both paper and electronic statement.
• Branch Service Handling Charges (service requests at branch): ₹199.

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Interest-free period

• Interest-free (grace) period can range from 18-48 days to 25-55 days depending on the Payment Due Date (Payment Due Date is between 18 and 25 days after the Statement Date).
• The interest-free period does not apply for cash advances and revolving balances.
• For these interest is charged from the date of the transaction.

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Fuel surcharge waiver

• W.e.f 21 August 2024, the feature of 1% fuel surcharge waiver on the Super Value Titanium Credit Card was discontinued.
• The existing 4% cashback on Fuel Spends was revised to 5% and is credited to the R360 portal.

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Milestone benefit

Renewal fee of ₹750 (2nd year onwards) waived on annual spends of ₹90,000.

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Redemption value

• Cashback redemption requires a minimum cashback balance of ₹1000.
• Cashback less than ₹1000 cannot be redeemed and can only be redeemed in multiples of ₹500 (e.g. ₹1000, ₹1500, ₹2000).
• Minimum 500 points are required to place a rewards redemption request.
• Reward points are redeemable only against products, vouchers or services featured in the 360 Rewards catalogue subject to availability.
• ₹99 handling and courier charges apply for redemption of reward points.

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Reward cap

• Cashback capped at ₹100 per statement cycle for utility payments and ₹200 each for fuel & telecom.
• Total cashback limited to ₹500 per statement cycle for all card(s) owned by the customer inclusive of any supplementary card(s).
• Fuel cashback not provided if transaction exceeds ₹2000.
• For 5% cashback on utility and telephone bills minimum transaction amount is ₹750 paid via Billpay platform.

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Reward exclusion

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Official terms

https://www.sc.bank.in/credit-cards/super-value-titanium.

Verified · Super Value Titanium Credit Card product page · 2026-08-02 · source