Titan SBI Card
A Titan co-brand card: 7.5% cashback at World of Titan, Fastrack and other Titan stores, 5% at Mia, CaratLane and Zoya, 3% as vouchers at Tanishq (quarterly caps), and 6 points per ₹100 elsewhere (₹0.25 each in Titan vouchers, up to 6,000 a month). Every figure below is copied from SBI Card’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹2,999 plus GST Product page |
|---|---|
| Annual fee | ₹2,999 plus GST Product page |
| Annual fee waiver | On ₹3,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| All spends outside Titan stores | 6 points per ₹100 Product page | up to 6,000 points a month Terms |
Points are redeemed only for Titan brand vouchers; the in-store cashback and Tanishq value back are credited by SBI Card under separate quarterly caps.
Titan-store spends earn brand cashback instead of points and are shown as highlights, not priced. UPI payments at participating Titan stores earn 6 points per ₹100. Points beyond 6,000 in a month are not earned.
No rewards on
- Fuel, wallet loads, rent and utility bills Terms
Benefits
- Lounges: 8 domestic airport lounge visits a year (2 a quarter) and 4 international lounge visits a year (2 a quarter), with Priority Pass membership for the first 2 years Product page
- Fuel: 1% fuel surcharge waived on fills up to ₹3,000, up to ₹100 a statement cycle Product page
- Welcome: 12,000 reward points worth ₹3,000 (in Titan vouchers) on payment of the annual fee Product page
- Milestone: ₹5,000 Titan gift voucher at ₹5 lakh of annual spend Product page
- Milestone: ₹10,000 Titan gift voucher at ₹10 lakh of annual spend Product page
Also on this card
Quoted from SBI Card; not counted in the net value.
- 7.5% cashback at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata stores (up to ₹10,000 a quarter) Product page
- 5% cashback at Mia, CaratLane and Zoya stores (up to ₹10,000 a quarter) Product page
- 3% value back as gift vouchers at Tanishq (up to ₹25,000 a quarter) Product page
- 4 international airport lounge visits a year Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by SBI Card in the documents read
- eligibility criteria
- a reward rate on UPI spends outside Titan stores
Where SBI Card’s documents differ, and what is used
- Point value: the product page and terms say points are redeemed for Titan vouchers at ₹0.25 each; one panel of the same product page (apparently copied from SBI Card PULSE) says 4 points = ₹1 against the card bill and 10 points per ₹100 on chemist, sports, dining and movies. The Titan terms are used.
- Fuel surcharge waiver: no minimum fill amount is published.
The quotes behind the figures
37 figures, each copied from an official SBI Card document.
Show every quote and source
“Annual Fee: Rs. 2,999 + taxes”
“Renewal Fee (per annum): Rs. 2,999 + taxes from second year onwards”
“For the cardholders having state of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%”
“Spend Based Reversal on annual spends of Rs 3 lakhs”
“Foreign Currency Transaction Fee: 3.5% (For all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/ Miles Prime/ Miles).”
“1 Reward Point = Rs. 0.25”
“6 Reward Points per Rs. 100 on all other categories outside Titan spends.”
“In addition, with every spend except at Titan Stores, Cardholders will earn 6 Reward Points per `100 spent on all other categories upto 6000 Reward Points or `1500 on a monthly basis.”
“With every spend, Cardholders will earn 6 Reward Points per `100 spent on all categories except at the Titan stores”
“Reward Point Accrual exclusion on fuel, wallet upload, property rental, utilities categories”
“Reward Points are not applicable on Fuel, Wallet upload, Property Rental, Utility bill payments.”
“"isOnline" : "yes", "isVisibleOnWebsite" : "yes",”
“Titan SBI Card - Benefits &Features - Apply Now | SBI Card”
“Use your Titan SBI Card on RuPay to make UPI payments.”
“For Payments made through UPI at participating Titan Stores, 6 Reward Point per Rs 100 spent will be applicable.”
“Titan SBI Card 2,999 2,999 (Waived off on annual spends of 3 lakh or more in the preceding year)”
“Use your Reward Points to redeem against a wide array of Titan Vouchers”
“All the Titan Reward Points earned on the card can be only redeemed for exclusive Titan Vouchers via accessing SBI Card's Website/Mobile App”
“Pay your card outstanding with Reward Points. 4 Reward Points = Rs.1”
“Enjoy 10 Reward Points per Rs. 100 spent on Chemist, Pharmacy, Sports, Dining and Movies”
“E-wallet loading transactions under MCCs 6540 & 6541 w.e.f 1st July 2020”
“Gift Vouchers are redeemable only at exclusive Titan Stores”
“Cardholders earning 7.5% cashback at World of Titan, Taneira,Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata stores can earn up to 40000 Reward Points or `10000 on a quarterly basis.”
“Cardholders earning 5% cashback at Mia, Caratlane and Zoya stores can earn up to 40000 Reward Points or `10000 on a quarterly basis additionally.”
“With every spend at Tanishq, Cardholders earning 3% value back in the form of Gift Vouchers on shopping at Tanishq stores exclusively can earn benefits worth 100000 Reward Points or `25000 on a quarterly basis.”
“8 complimentary Domestic Airport Lounges in a year (max. 2 per quarter)”
“1% fuel surcharge waiver on transactions up to Rs. 3,000 at all petrol pumps across India.”
“Maximum waiver of Rs. 100 per statement cycle.”
“Get 12,000 Reward Points worth Rs. 3,000 on payment of Annual Fees.”
“Additional Gift Voucher worth Rs. 5,000 on annual spends of Rs 5 lakhs”
“Additional Gift Voucher worth Rs. 10,000 on annual spends of Rs 10 lakhs”
“7.5% Cashback on spends at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata (quarterly cap applicable)”
“5% Cashback on spends at Mia, CaratLane & Zoya (quarterly cap applicable)”
“3% Value Back as Gift Vouchers on spends at Tanishq (quarterly cap applicable)”
“4 complimentary International Airport Lounges in a year (max. 2 per quarter)”
“"ctaText" : "Apply Now", "ctaView" : "primary",”
“Just look for the VISA/RuPay sign of acceptance and present your card for payment.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with SBI Card or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is SBI Card’s own file from its website, unaltered, fetched 2026-10-15. Methodology