Titan SBI Card benefits
- Rewards7.5%
back at World of Titan, Titan Eye+, Helios, Fastrack, Taneira and other non-jewellery Titan stores
- Gift5%
back at Mia, CaratLane and Zoya, and 3% as gift vouchers at Tanishq
- Rewards6
reward points per ₹100 elsewhere
up to 6,000 points a month
- Gift12,000
welcome points worth ₹3,000, plus ₹5,000 and ₹10,000 vouchers at ₹5 lakh and ₹10 lakh of yearly spends
- Lounge₹2,999
fee before GST, reversed on ₹3 lakh of yearly spends; 4 lounge visits abroad a year
Titan SBI Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Titan7.5% back at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata stores, paid as 30 reward points per ₹100. SBI Card caps it at 40,000 points (₹10,000) a quarter; the monthly cap here is one third of that. | 30 points per ₹100 | 13,333 |
| CaratLane, Mia, Zoya5% back at Mia, CaratLane and Zoya, paid as 20 reward points per ₹100, up to 40,000 points (₹10,000) a quarter. | 20 points per ₹100 | 13,333 |
| Tanishq3% value back at Tanishq stores as Titan gift vouchers, counted here as 12 points per ₹100. SBI Card caps it at 1,00,000 points (₹25,000) a quarter. Tanishq Golden Harvest and other scheme payments earn only the base points. | 12 points per ₹100 | 33,333 |
| Everything else | 6 points per ₹100 | 6,000 |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel, wallet loads, rent, utility bills, cash advances, balance transfers, Flexipay and merchant EMI, fees and disputed transactions.
All reward rules
- 6 reward points per ₹100 on all spends outside Titan stores, up to 6,000 points (₹1,500) a month.
- SBI Card values the points at ₹0.25 each: its terms say the 12,000 welcome points are worth ₹3,000 and 40,000 points equal ₹10,000.
- Points can be used only for Titan e-vouchers, chosen on the SBI Card website, app or helpline. Points stay valid for 24 months.
- 12,000 reward points (worth ₹3,000) as a welcome gift, credited within 60 days of paying the joining fee.
- Yearly milestones: annual fee reversed at ₹3 lakh of spends, a ₹5,000 gift voucher at ₹5 lakh and a ₹10,000 gift voucher at ₹10 lakh.
What the Titan SBI Card gives back in a year
Say you spend ₹30,000 a month, like our “a bit of everything” pattern, using CaratLane and Mia and Tanishq and Titan and Zoya where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹6,000 | 1.5% | ₹1,080 |
| Dining and food delivery | ₹3,000 | 1.5% | ₹540 |
| Online shopping | ₹8,000 | 1.5% | ₹1,440 |
| Travel | ₹3,000 | 1.5% | ₹540 |
| Fuel | ₹3,000 | 0% | ₹0 |
| Bills and utilities | ₹3,000 | 0% | ₹0 |
| Everything else | ₹4,000 | 7.5% | ₹3,600 |
| Total | ₹30,000 | ₹7,200 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹7,200* |
That is ₹480 a year more than the PhonePe SBI Card SELECT BLACK on the same spending.
Titan SBI Card annual fee and charges
- Joining fee
- ₹2,999
- Annual fee
- ₹2,999
- Fee waiver
- ₹3,00,000 a year
- Foreign currency markup
- 3.5%
Joining fee ₹2,999 and annual fee ₹2,999, both before GST. The renewal fee is waived if you spent ₹3 lakh or more in the previous year.
Titan SBI Card eligibility
- Age
- 21 to 70
SBI Card's issuance policy sets 21 to 65 years for salaried people and 25 to 70 years for self-employed people. The documents we checked give no minimum income for this card. You can apply on the SBI Card website or at Titan stores.
The bank alone decides approval and your credit limit.
Titan SBI Card lounge access
4 international visits a year. Banks often set a spend condition, so read the reward rules above.
SBI Card's terms give the primary cardholder a Priority Pass membership with 4 complimentary lounge visits a year outside India. Lounges in India are not free with the pass and cost USD 27 a visit.
Is the Titan SBI Card right for you?
A card with a ₹2,999 fee that spending can waive, paying 7.5% at Titan and an above-average 1.5% elsewhere.
Worth its fee if you spend about ₹15,000 a month or more. Below that, the ₹2,999 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at Titan: the card pays 7.5% back there, against 1.5% on most other spends.
- You spend ₹3,00,000 a year or more (about ₹25,000 a month), so the ₹2,999 renewal fee is waived.
- You fly a few times a year: it includes 4 international airport lounge visits a year.
- You pay by UPI: it is a RuPay card you can link to UPI apps and use at shop QR codes.
Not for you if
- You spend less than about ₹25,000 a month: you would pay ₹3,539 a year with GST.
- You spend more than ₹44,400 a month at Titan: the higher rate stops there.
- You rarely use its partner brands: outside them the card pays 1.5%.
- Much of your spending is on bills and utilities: this earns no rewards.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Titan SBI Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Titan SBI Card | ₹2,999 | 7.5% | ₹4,320* |
| PhonePe SBI Card SELECT BLACK | ₹1,499 | 10% | ₹6,720* |
| Tata Neu Infinity HDFC Bank Credit Card | ₹1,499 | 5% | ₹4,860* |
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
How much do I get back at Tanishq with the Titan SBI Card?
3% of your Tanishq spends as Titan gift vouchers, up to ₹25,000 of value a quarter. Payments into the Tanishq Golden Harvest scheme or other schemes earn only the regular 6 points per ₹100.
Which Titan brands give 7.5% back on the Titan SBI Credit Card?
World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata stores. The benefit is capped at 40,000 points, worth ₹10,000, each quarter.
Where can I use Titan SBI Card reward points?
Only on Titan e-vouchers. You can pick jewellery vouchers for Tanishq, Mia and Zoya, or vouchers for other Titan brands. Each point is worth ₹0.25, and points expire after 24 months.
What are the milestone benefits of the Titan SBI Card?
At ₹3 lakh of yearly spends you get the annual fee back. At ₹5 lakh you get a ₹5,000 gift voucher, and at ₹10 lakh a ₹10,000 gift voucher. Balance transfers and Encash do not count.