Standard Chartered Super Value Titanium Credit Card
The Standard Chartered Super Value Titanium Credit Card is designed to offer excellent cashback and rewards on everyday expenses. Premium banking customers can enjoy this card with no annual fee, while others need to pay an annual fee of ₹750. The card provides up to 5% cashback on utility bill payments, fuel, and phone bills. For every ₹150 spent in other categories, you will earn 1 Reward Point, making it an ideal card for regular purchases. As part of the welcome offer, you can also get 100% cashback up to ₹1,500 on fuel transactions made within the first 90 days.
Additionally, premium banking customers receive a free Priority Pass membership, which grants access to more than 1,500 airport lounges around the world. This benefit is perfect for frequent travelers, offering added comfort during airport wait times. In conclusion, the Standard Chartered Super Value Titanium Credit Card is a great choice for those who want to earn cashback, collect rewards, and enjoy valuable travel perks, making it a top option for maximizing everyday spending.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Before applying for a credit card in India, consider the following factors:
- Eligibility Criteria: Check the age, income, credit score, and employment status requirements set by the bank or financial institution.
- Credit Score: A higher credit score increases your chances of approval and may result in better offers. Ensure your credit score is in good standing.
- Interest Rates and Fees: Compare annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction fees. These can vary significantly between cards.
- Rewards and Benefits: Look for cards that offer rewards, cashback, discounts, or other perks that align with your spending habits.
- Credit Limit: Make sure the credit limit offered is in line with your financial needs. Avoid over-borrowing, which can lead to high-interest charges.
- Repayment Terms: Understand the repayment options, minimum payment amount, and due dates. Consider how easily you can manage timely payments to avoid interest accumulation.
- Card Type and Features: Choose a card type (e.g., standard, premium, travel, etc.) based on your requirements. Some cards offer more benefits for specific categories like travel, shopping, or dining.
- Bank’s Reputation: Opt for a bank with a good track record of customer service and transparency. Read reviews and consider their customer support accessibility.
- Hidden Charges: Be aware of any hidden fees, such as annual fees, balance transfer charges, and cash withdrawal fees.
- Credit Utilization: Ensure you can manage your spending within the credit limit to maintain a healthy credit utilization ratio, which impacts your credit score.
- Long-Term Financial Plans: Think about how the credit card will fit into your long-term financial goals and avoid accumulating unnecessary debt.
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