Standard Chartered BankStandard Chartered Titanium Credit Card
The Standard Chartered Titanium Credit Card is an entry-level Mastercard offering 5 SC Reward Points per ₹150 on dining and fuel transactions, and 1 RP per ₹150 on all other spends.
Top Category Performance
Beginner & Zero Fee (65/100)
Joining Fee
₹250
Annual Fee
₹750
Reward Rate (%)
0.13 – 0.67
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
15/35
Fee Value & ROI
18/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Standard Chartered Titanium Credit Card Benefits
Standard Chartered Titanium Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.13% – 0.67%
Earn rate
2
Points / ₹100
₹0.25
Per point
Standard Chartered Titanium Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Standard Chartered Titanium Credit Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
Annual Fee: ₹750
This card carries a fixed annual fee of ₹750. At ~0.67% estimated return, spending approximately ₹9,328/mo earns enough rewards to fully offset the annual fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Standard Chartered Titanium Credit Card Eligibility
Employment type
Pros & Cons
- 5 SC Reward Points per ₹150 on dining and fuel
- 1 SC Reward Point per ₹150 on all other retail spends
- Fuel surcharge waiver
- Low effective reward rate (0.13%-0.67%)
- No lounge access
- ₹750 annual fee with no waiver programme
Who is this card for?
SC banking customers looking for an affordable entry-level Mastercard with basic dining and fuel rewards.
Quick Links
Data last updated 6 Aug 2026
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Calculate your exact earnings with Standard Chartered Titanium Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.