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IndusInd Bank Platinum Aura Edge Credit Card VS Standard Chartered Super Value Titanium Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

IndusInd Bank Platinum Aura Edge Credit Card and Standard Chartered Super Value Titanium Credit Card target different priorities — shopping versus fuel. IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free and earns up to 8X reward points on select categories. 1 savings point = Re 0.50 or 0.5 airline mile. Standard Chartered Super Value Titanium Credit Card costs ₹750 + GST and earns 5% cashback on fuel, telephone & utility bills; 1 reward point per ₹150 on other spends. IndusInd Bank Platinum Aura Edge Credit Card also brings travel, Total Protect against fraud, Air Accident Cover up to ₹25 lakhs, Zero Liability Protection, while Standard Chartered Super Value Titanium Credit Card counters with 1 complimentary international lounge access per month via Priority Pass for Premium Banking clients. If shopping spending matters more, go with IndusInd Bank Platinum Aura Edge Credit Card; if fuel is the priority, Standard Chartered Super Value Titanium Credit Card fits better.

IndusInd Bank Platinum Aura Edge Credit Card
IndusInd Bank Platinum Aura Edge Credit Card
Standard Chartered Super Value Titanium Credit Card
Standard Chartered Super Value Titanium Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹750 + GST
Renewal FeeLifetime Free
Renewal Fee₹750 + GST
Spend Based Waiver
Spend Based WaiverAnnual fee waived on spending ₹90,000 or more in the previous year.
Foreign Transaction Fees3.5% on all foreign currency transactions.
Foreign Transaction Fees3.5% of the transaction amount for all overseas transactions.
Interest Rate (APR)3.95% per month (47.40% per annum).
Interest Rate (APR)3.49% per month (41.88% per annum).

Rewards & Benefits

Welcome BonusDiscount vouchers from brands like Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy, Uber, and Ola.
Welcome Bonus100% cashback up to ₹1,500 on fuel transactions within the first 90 days of card issuance.
Rewards RateEarn up to 8X Reward Points on select categories; up to 4 savings points per ₹100 spent.
Rewards RateEarn 5% cashback on fuel, telephone & utility bills; 1 reward point per ₹150 on other spends.
Reward TypeReward Points
Reward TypeReward Points, Cashback
Reward Redemption Fee₹100 on every redemption.
Reward Redemption Fee₹99 per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access1 complimentary international lounge access per month via Priority Pass for Premium Banking clients.
Travel BenefitsUp to 4 savings points per ₹100 spent on hotel expenses with Travel Plan. Includes travel insurance.
Travel BenefitsComplimentary Priority Pass for Premium Banking Customers, offering access to 1,000+ international lounges.
Movie Benefits1.5 savings points per ₹100 spent on movie tickets with Party Plan.
Movie BenefitsExclusive discounts and offers on movies via the Standard Chartered Good Life programme.
Dining BenefitsUp to 4 savings points per ₹100 spent on restaurant bills with Party Plan.
Dining BenefitsExclusive discounts and offers on dining via the Standard Chartered Good Life programme.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400 and ₹4,000.
Fuel Surcharge Waiver1% fuel surcharge waiver discontinued from Aug 25, 2024. 5% cashback on fuel (max ₹200/month) applies.

Security & Other

Insurance BenefitsTravel Insurance (lost baggage, passport, tickets) & Total Protect against fraudulent use.
Insurance Benefits
Cash Advance Charges2.5% of withdrawn amount, minimum ₹300.
Cash Advance Charges3% of transacted amount, minimum ₹300.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IndusInd Bank Platinum Aura Edge Credit Card

Standard Chartered Super Value Titanium Credit Card

Who is it for?

The IndusInd Bank Platinum Aura Edge Credit Card is a lifetime free, entry-level credit card from IndusInd Bank. It offers unique flexibility with four customizable reward plans (Shop, Home, Travel, Party), allowing users to earn up to 4 savings points on every ₹100 spent in chosen categories. Ideal for individuals seeking to maximize savings without annual fees, it also includes comprehensive insurance benefits and a fuel surcharge waiver, making it a versatile option for diverse spending habits.

Who is it for?

The Standard Chartered Super Value Titanium Credit Card is ideal for individuals with high spending on fuel, telephone, and utility bills, offering a generous 5% cashback in these categories. It provides a welcome benefit of 100% cashback up to ₹1,500 on initial fuel purchases. Premium Banking Customers enjoy a lifetime free card with complimentary international lounge access. While it offers substantial savings on recurring expenses, note the upcoming discontinuation of the fuel surcharge waiver. This card is best suited for maximizing savings on daily essentials and for Standard Chartered's premium clientele.

Pros

Key benefits and features.

This card is lifetime free, offering significant savings by eliminating joining and annual fees.

Customizable reward plans (Shop, Home, Travel, Party) allow users to maximize earnings based on spending habits.

Earn up to 4 savings points per ₹100 spent on specific categories, providing high earning potential.

Comprehensive insurance benefits, including travel cover and Total Protect against fraudulent card use.

Offers a 1% fuel surcharge waiver and convenient contactless payment technology for daily use.

Pros

Key benefits and features.

Enjoy a high 5% cashback on essential spends like fuel, telephone, and utility bills.

Receive 100% cashback up to ₹1,500 on fuel transactions within the first 90 days.

Premium Banking Customers get a lifetime free card with complimentary international lounge access.

Benefit from a lifetime free supplementary credit card for your family members.

Cons

Key drawbacks and limitations.

The card does not provide any complimentary domestic or international airport lounge access.

A fee of ₹100 is charged for every rewards redemption, reducing the overall value.

A high 3.5% foreign currency markup applies to all international transactions.

Fuel transactions do not accrue any reward points, limiting benefits for fuel spends.

High cash advance charges of 2.5% (minimum ₹300) make cash withdrawals costly.

Cons

Key drawbacks and limitations.

The 1% fuel surcharge waiver will be discontinued from August 25, 2024.

Total monthly cashback across key categories is capped at a relatively low ₹500.

A redemption fee of ₹99 is charged for every reward point redemption request.

High foreign currency markup of 3.5% makes international spends expensive.

This credit card does not offer any complimentary domestic airport lounge access.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for IndusInd Bank Platinum Aura Edge Credit Card(opens in new tab)Apply for Standard Chartered Super Value Titanium Credit Card(opens in new tab)