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Features of the Standard Chartered Titanium Rewards Credit Card

  • 8X Rewards on Dining: Earn 8X 360° Rewards Points on local dining spends under the DINE n DRINK Rewards Programme. For every Rs. 150 spent on dining, cardholders earn points redeemable for vouchers, merchandise, or statement credits—perfect for frequent diners and food lovers.
  • 1X Rewards on All Other Retail Spends: Earn 1 reward point for every Rs. 150 spent on other retail purchases. All points are credited under Standard Chartered’s 360° Rewards Programme and do not expire as long as the card is active, giving you long-term value.
  • 5% Cashback on Fuel, Telephone, and Utility Bills: Receive 5% cashback on fuel (up to Rs. 200/month, max Rs. 100 per transaction), telephone bills (up to Rs. 200/month), and utility bills (up to Rs. 100/month), helping offset essential monthly expenses.
  • 8% Cashback on Grocery Spends: Enjoy 8% cashback on groceries—a major benefit for families or individuals with regular household spending. For instance, Rs. 5,000 spent monthly earns Rs. 400 cashback.
  • 2% Cashback on Other Retail Spends: Even discretionary purchases like clothing, electronics, or entertainment qualify for 2% cashback, ensuring continuous value across categories.
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    • Complimentary Priority Pass Membership: For frequent travelers, the Titanium Rewards Credit Card offers a Complimentary Priority Pass membership for premium cardholders. This feature grants access to over 1,300 airport lounges worldwide, providing a comfortable space to relax or work during layovers. While the membership is complimentary, lounge visits may incur additional charges unless specified otherwise in the card’s terms. This feature is particularly valuable for business travelers or those who prioritize comfort during travel.
    • Travel and Lifestyle Benefits: The card includes additional travel-related perks, such as complimentary travel insurance and rental auto collision coverage, which protect cardholders against unforeseen travel-related expenses. These benefits are especially useful for international travelers, as they provide peace of mind in case of lost luggage, flight delays, or rental car accidents. Additionally, the card offers no foreign transaction fees for select transactions, making it a cost-effective option for overseas purchases.
    • Welcome Benefits: New cardholders are greeted with attractive welcome benefits to enhance the card’s initial appeal. Upon payment of the joining fee, cardholders receive 6,000 Reward Points, equivalent to Rs. 6,000 in value, which can be redeemed for various rewards. Additionally, there’s a 100% cashback offer (up to Rs. 1,500) on fuel purchases within the first 90 days of card setup, encouraging early usage and providing immediate savings.
    • No Annual Fee for Select Users: The Titanium Rewards Credit Card may waive the annual fee for the first year or for users who meet specific spending thresholds, depending on promotional offers. This feature reduces the cost of ownership, making it an attractive option for budget-conscious consumers who still want premium benefits. However, the exact terms of the fee waiver vary, so applicants should check with Standard Chartered for the latest offers.
    • Flexible Credit Limits: The card offers credit limits ranging from Rs. 5,000 to Rs. 50,000, depending on the applicant’s creditworthiness and income. This flexibility ensures that the card caters to a wide range of users, from young professionals to high-net-worth individuals. The credit limit can also be adjusted over time based on usage and repayment history, providing scalability for growing financial needs.
    • Contactless Payments: The Titanium Rewards Credit Card supports contactless payments, allowing users to make quick and secure transactions at compatible point-of-sale (POS) terminals. This feature enhances convenience for small, everyday purchases, such as at cafes, grocery stores, or fuel stations, while maintaining high security standards through encrypted transactions.
    • Online and POS Cashback: A unique feature of the card is its ability to provide cashback on both online and POS transactions. This ensures that whether you’re shopping online for groceries or swiping your card at a retail store, you can earn cashback on eligible spends. This versatility makes the card suitable for modern consumers who shop across multiple channels.
    • Security Features: The card is equipped with advanced security features, including EMV chip technology and 3D Secure authentication for online transactions. These measures protect against fraud and unauthorized usage, giving cardholders confidence in using the card for both domestic and international purchases. Additionally, Standard Chartered offers 24/7 customer support to address any issues related to lost cards, suspicious transactions, or account queries.
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Benefits of the Standard Chartered Titanium Rewards Credit Card

  • Financial Savings Through Cashback:
  • 5% Cashback on Fuel, Telephone, and Utility Bills: This directly reduces monthly expenses for essential services. For example, spending Rs. 4,000 on fuel monthly can save Rs. 200, while Rs. 2,000 on utility bills yields Rs. 100 in cashback. Over a year, these savings add up significantly.
  • 8% Cashback on Grocery Spends: Particularly beneficial for households, as grocery shopping is a regular expense. Spending Rs. 5,000 monthly on groceries results in Rs. 400 cashback, which can offset other costs or be reinvested.
  • 2% Cashback on Other Retail Spends: Even discretionary spending such as clothing or electronics contributes to savings, making the card versatile for financial management.
    • Enhanced Security for Online Purchases: The virtual card feature ensures secure online transactions by masking your primary card details. Users also earn 1.5% cashback on eligible digital spends.
    • Rewards for Family Spending: Supplementary cards allow families to pool transactions. All eligible spending earns 1.5% cashback, credited to the primary cardholder’s account.
    • Convenience for Everyday Transactions: Contactless payment support and global card acceptance make this card ideal for daily use and travel. Cashback applies to all qualifying purchases.
    • Promotional Offers and Upsized Cashback: For a limited time, earn 2% cashback for the first 30 days. For example, a S$5,000 spend at 2% cashback yields S$100, compared to S$75 at the standard 1.5% rate.
    • Financial Flexibility with Funds Transfer: The card supports funds transfer for large transactions or debt consolidation. Cashback may apply—review applicable fees and interest rates for optimal use.
    • Seamless Digital Management: Use the Standard Chartered Mobile App to access your account, receive transaction alerts, and track cashback earnings in real time.
    • Potential for Long-Term Savings: With consistent usage, the cashback adds up significantly. For instance, spending S$2,000 monthly for five years yields approximately S$1,800 in cashback.
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How to Apply for the Standard Chartered Titanium Rewards Credit Card

  • Documents Required:
  • Identity Proof: Aadhaar card, PAN card, passport, or voter ID.
  • Address Proof: Aadhaar card, utility bill, rental agreement, or passport.
  • Income Proof: Recent salary slips (salaried), Income Tax Returns with computation (self-employed), or bank statements.
  • Photograph: Recent passport-sized photos.
  • PAN Card: Mandatory for tax and financial verification.
  • Online Application Process:
  • Visit www.sc.com/in/credit-cards.
  • Select "Titanium Rewards Credit Card".
  • Click ‘Apply Now’ and fill personal and income details.
  • Upload scanned copies of required documents.
  • Verify with OTP sent to registered mobile.
  • Submit application and note reference number for tracking.
  • Wait 5-7 business days for approval.
  • Card delivered in 5-10 business days post-approval.
  • Offline Application Process:
  • Visit the nearest Standard Chartered branch.
  • Request and fill out Titanium Rewards Credit Card application form.
  • Submit physical copies of required documents.
  • Verification by bank representative.
  • Wait 5-7 business days for approval notification.
  • Card delivered or collected from branch upon approval.
  • Application for Existing Customers:
  • Log in to Standard Chartered online banking or mobile app.
  • Navigate to "Credit Cards" and select Titanium Rewards.
  • Choose existing customer application and complete simplified form.
  • Verify identity via Rs. 1 transaction if required.
  • Submit and expect faster approval, often within 5 days.
  • Tips for a Successful Application:
  • Maintain a good credit score (750+).
  • Provide accurate, consistent information.
  • Meet or exceed income requirements with clear proof.
  • Limit multiple simultaneous credit applications.
  • Contact customer care at 1800-345-1000 for help.
  • Post-Application Steps:
  • Receive the card and welcome kit with activation instructions.
  • Activate card via toll-free number or online banking.
  • Set up PIN and register for online banking to manage card.
  • Track rewards and payments through online/mobile banking.
  • Potential Challenges and Solutions:
  • Low Credit Score: Improve by paying debts and avoiding late payments before reapplying.
  • Incomplete Documentation: Ensure all documents are valid and promptly provide any additional documents requested.

Eligibility Criteria for Standard Chartered Titanium Rewards Credit Card

  • 1. Age Requirements
    • Minimum age to apply: 21 years
    • Maximum age: 65 years (exceptions possible for high-net-worth individuals)
    • Supplementary cardholders: Minimum 18 years (subject to primary cardholder approval)
    • Special cases: Exceptions for young high-net-worth individuals or those over 65 with strong financial stability
  • 2. Income Requirements
    • Minimum monthly income for salaried individuals: INR 25,000
    • Minimum annual income for self-employed: INR 3 lakh
    • Priority banking clients may require higher income (e.g., monthly salary credit of INR 1.5 lakh)
    • Income stability required: Consistent salary credits over at least 6 months; self-employed require 1–2 years of stable income
  • 3. Employment Status
    • Salaried: Employed with reputable organization for minimum 6 months; recent payslips and salary credits needed
    • Self-Employed: Must provide business registration, GST certificates, ITRs for past 2 years, and possibly audited financials
    • Special categories: NRIs must maintain Indian bank accounts and provide valid visa/passport; contractual workers may need additional proof
  • 4. Credit History and Score
    • Minimum CIBIL score generally preferred: 750+
    • Clean repayment history with no defaults or late payments
    • Applicants with limited credit history may be considered based on alternative financial proofs
    • Applicants with past credit issues should maintain timely repayments for 6–12 months before applying
  • 5. Residency and Nationality
    • Indian residents with valid proof (Aadhaar, passport, utility bill) preferred
    • NRIs eligible if maintaining NRE/NRO account and submitting relevant documents
    • Metro city residents may receive preference due to branch presence
  • 6. Existing Relationship with Standard Chartered
    • Existing account holders (savings, fixed deposit, loans) or priority banking clients may get faster approval
    • Non-account holders can apply but may face additional verification
  • 7. Other Eligibility Factors
    • Valid email ID and Indian mobile number required for communication and verification
    • Applications subject to bank’s credit and risk assessment policies
    • Debt-to-income ratio and existing credit limits will be reviewed
  • 8. Special Considerations for High-Net-Worth Individuals
    • May qualify despite not meeting income criteria if significant assets are shown
    • Asset statements or collateral details may be requested
  • Practical Tips for Approval
  • Keep financial documents updated and accurate
  • Regularly monitor and maintain a good CIBIL score
  • Ensure consistent salary credits or business income documentation
  • Build a banking relationship with Standard Chartered for improved chances
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Documents Required for Standard Chartered Titanium Rewards Credit Card

  • Identity Proof:
    • Acceptable Identity Documents:
      • Aadhaar Card (with clear photo, not expired; mask first 8 digits if needed)
      • Passport (valid with minimum 6 months validity)
      • Voter ID Card (issued by Election Commission of India)
      • Driving License (valid, with photo)
      • PAN Card (mandatory for tax purposes; if no photo, submit additional photo ID)
      • Job Card issued by NREGA (for rural applicants)
      • OCI or PIO Card (for NRIs or persons of Indian origin)
    • Submission Guidelines:
      • Documents must be clear, legible, preferably in color.
      • Self-attested photocopies are required.
      • Originals may be requested for verification.
      • Online applications require scanned copies or high-quality photos.
  • Address Proof:
    • Acceptable Documents:
      • Aadhaar Card with current address
      • Passport with current address
      • Driving License with current address
      • Utility Bills (electricity, water, gas, telephone; issued within last 3 months)
      • Bank or Credit Card Statements (issued within last 3 months)
      • Registered Rental Agreement (with utility bill or landlord ID)
      • Voter ID Card (if it shows current address)
    • Verification:
      • The bank may perform physical or telephonic address verification.
      • Address on document must match applicant's current residence.
      • NRIs may provide Indian or overseas address linked to NRE/NRO accounts.
  • Income Proof:
    • Salaried Individuals:
      • Salary slips (last 3 months)
      • Bank statements (last 3-6 months showing salary credits)
      • Form 16 issued by employer
      • Employment certificate (verifying job role, tenure, salary)
    • Self-Employed Individuals:
      • Income Tax Returns (ITR) for last 2 years
      • Audited financial statements certified by Chartered Accountant
      • Business registration documents (GST certificate, shop license, partnership deed)
      • Business bank statements (last 6 months)
    • Additional Income Proof:
      • Rental agreements, dividend statements, fixed deposit receipts (if applicable)
  • PAN Card or Form 60:
    • PAN card is mandatory and must be valid and legible.
    • If no PAN, submit Form 60 with explanation and alternative ID.
    • Self-attested copies required; online verification may include OTP.
  • Additional Documents for NRIs:
    • Valid Passport and Residence Visa
    • NRE/NRO bank account statements (last 6 months)
    • Overseas income proof: salary slips, employment contracts, ITRs
    • Indian address proof (if applicable): Aadhaar, utility bills
    • Compliance with FEMA and FATCA declaration (if requested)
  • Photograph:
    • One or two recent passport-sized color photographs with plain background.
    • Digital photographs or selfies may be required for online applications.
  • Application Form:
    • Fill in capital letters and complete all fields accurately.
    • Write "N/A" for not applicable fields.
    • Online submissions upload documents digitally; offline requires physical copies.

Factors Influencing Approval for Standard Chartered Titanium Rewards Credit Card

  • Credit Score and History:

    Role of CIBIL Score

    • A score of 750 or higher significantly increases approval chances, indicating timely repayments and responsible credit management.
    • Scores below 700 may lead to rejection or require additional documentation like higher income proof or a co-applicant.

    Components of Credit History

    • Repayment History: Timely payments on existing loans, credit cards, or EMIs.
    • Credit Utilization Ratio: Below 30% is ideal.
    • Credit Mix: Balanced mix of secured and unsecured credit.
    • Credit Inquiries: Too many recent applications may lower chances.

    Improving Credit Score

    • Pay off outstanding debts, reduce credit card balances.
    • Avoid new credit applications 6–12 months before applying.
  • Income and Financial Stability:
    • Income Level: Higher income increases approval chances. Typical net monthly income required ranges from INR 25,000 to 1.5 lakh, depending on profile.
    • Income Stability: Regular salary credits or stable business revenue are favored. Sudden fluctuations may be a concern.
    • Additional Income Sources: Properly documented rental income, dividends, or spousal income may boost approval.
  • Debt-to-Income Ratio (DTI):

    The DTI ratio compares monthly debt obligations against monthly income. A DTI below 40% is generally acceptable, while above 50% may lead to rejection.

    • Applicants can lower DTI by paying off small loans or consolidating debts.
    • Avoid new credit lines during the application process.
  • Employment History:
    • Job Stability: At least 1–2 years with the same employer is preferred, especially in reputed organizations or government sectors.
    • Self-Employment: Requires 2–3 years of business track record with proof of profitability and revenue consistency.
  • Banking Relationship with Standard Chartered:
    • Existing account holders (savings, fixed deposit, loans) usually get priority and faster approvals.
    • Priority banking clients with high funds under management or mortgages may have relaxed criteria.
    • Non-account holders can apply but may face stricter scrutiny.
  • Application Accuracy and Completeness:
    • Complete and accurate documentation is critical to avoid delays or rejection.
    • Verification calls or visits confirm applicant details; discrepancies reduce approval chances.
  • External Economic and Policy Factors:
    • Economic downturns may tighten credit policies, requiring higher income or credit scores.
    • Bank’s internal risk models consider debt exposure, industry trends, and regional defaults.
  • Applicant’s Financial Behavior:
    • Spending patterns, including discretionary expenses and overdrafts, influence approval.
    • Healthy savings or investments can positively impact decisions.
  • Practical Tips to Improve Approval Chances:
    • Maintain a CIBIL score above 750 by paying bills timely and keeping credit utilization low.
    • Ensure a stable income stream with regular bank credits or consistent business revenue.
    • Reduce outstanding debts to lower your Debt-to-Income ratio.
    • Build a relationship with Standard Chartered by maintaining accounts or fixed deposits.
    • Double-check application details and documentation for accuracy.
    • Avoid applying for multiple credit cards simultaneously to prevent excessive credit inquiries.

    • Frequently Asked Questions (FAQs) - Standard Chartered Titanium Rewards Credit Card

    1. What are the key features of the Titanium Rewards Credit Card?
    Earn 10X Rewards on online spends (excluding rent, wallet reloads, and utilities).
    5X Rewards on offline spends.
    1% fuel surcharge waiver (min. transaction ₹500, max. ₹250 per month).
    1% reward rate on other spends.
    2. How do I earn rewards on this card?
    10X Rewards on online shopping, food delivery, travel bookings, etc. (exclusions apply).
    5X Rewards on offline retail, dining, and entertainment.
    1X Reward on all other spends (1 Reward Point = ₹0.25).
    3. Are there any joining/annual fees?
    Joining fee: ₹500 + GST (often waived off in promotions).
    Annual fee: ₹500 + GST (waived if you spend ₹50,000 in a year).
    4. What is the redemption process for reward points?
    Points can be redeemed for flights, hotels, gift vouchers, or cashback.
    Minimum redemption: 2,000 points (₹500).
    5. Is there a cash withdrawal fee?
    Yes, 2.5% of the withdrawn amount (min. ₹500) as a fee.
    6. Does the card offer any airport lounge access?
    No, this card does not provide complimentary lounge access.
    7. What is the interest rate and late payment fee?
    Interest rate: Approximately 3.5% per month (~42% annualized).
    Late payment fee: Up to ₹1,300 (depends on total dues).
    8. Is there a fuel surcharge waiver?
    Yes, 1% surcharge waiver on fuel spends between ₹500–₹5,000 (max. ₹250 per month).
    9. Can I convert purchases into EMIs?
    Yes, the card allows EMI conversion for select transactions.
    10. How do I check my reward points balance?
    Log in to Standard Chartered Online Banking or the SC Mobile App.
    Call customer care or check your statement.

    List of Standard Chartered Titanium Rewards Credit Card Andhra Pradesh Branches

    • Kadapa - Nagarajupeta
    • Andhra Pradesh - Proddatur
    • Rayachoti - S N Colony
    • Badvel - Nellore Road
    • Jammalamadugu - Mydukur Road
    • Kadapa - Christian Lane
    • Kakinada - Bhanugudi
    • Rajahmundry - Danavaipeta
    • Andhra Pradesh - Amalapuram
    • Tuni - Post Office Road
    • Mandapeta - Market Street
    • Ramachandrapuram - Main Road
    • Peddapuram - Station Road
    • Razole - Kothapeta Road
    • Samalkot - Devi Chowk
    • Annavaram - Temple Road
    • Kakinada - Jawahar Street
    • Rajahmundry - Kotipalli Street
    • Guntur - Arundelpet
    • Tenali - Bose Road