Titan SBI Card
Updated 3 Jul 2026Source-linked
The Titan SBI Card is a premium co-branded credit card from SBI Card and Titan, with a joining fee of ₹2,999 + GST.
Cardholders get 8 annual domestic + 4 annual international airport lounge access, plus 12,000 reward points worth ₹3,000 as a welcome benefit.
Titan SBI Card
- Joining Fee₹2,999
- Annual Fee₹2,999
- Best Suited ForOnline shopping
- Reward TypeReward Points (points)
Rewards Rate
- Base rate 1.32%
Welcome Benefits
- 12,000 Reward Points worth ₹3,000
Data verified 3 Jul 2026 — see our methodology
Rewards and Benefits
Rewards Rate
Base 1.32% on other spends.
Reward Redemption
Titan gift vouchers: Redeem at ₹0.25 per unit.
Welcome Benefits
12,000 Reward Points worth ₹3,000
Milestone Rewards
- ₹5,00,000 / annual: Additional Titan gift voucher worth ₹5,000 (redeemable only at exclusive Titan Stores)
- ₹10,00,000 / annual: Additional Titan gift voucher worth ₹10,000 (redeemable only at exclusive Titan Stores)
Domestic Lounge Access
8 visits each annual.
International Lounge Access
4 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- Tanishq value back — 3% value back as gift vouchers on spends at Tanishq (quarterly cap applicable).
- Mia / CaratLane / Zoya cashback — 5% cashback on spends at Mia, CaratLane & Zoya (quarterly cap applicable).
- Titan brands cashback — 7.5% cashback on spends at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata (quarterly cap applicable).
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.3% = ₹198/mo
- Groceries₹8,000 · 1.3% = ₹106/mo
- Dining & food delivery₹8,000 · 1.3% = ₹106/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.3% = ₹132/mo
- Utilities & bills₹5,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹6,494/yr₹6,494 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
₹3,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions .
Cash Advance Charges
N/A
Product Details
- Co-branded premium card by SBI Card and Titan.
- Joining / annual fee of ₹2,999 + GST, waived on annual spends of ₹3,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (8/annual) + international (4/annual).
Pros & Cons
Pros
- Annual fee waivable on ₹3,00,000 spend.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹3,000 welcome benefit
- 12,000 Reward Points worth ₹3,000Payment of Annual Fee
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- utilities
Milestone benefits
- ₹5,00,000 / annual: Additional Titan gift voucher worth ₹5,000 (redeemable only at exclusive Titan Stores) (≈ ₹5,000 value)
- ₹10,00,000 / annual: Additional Titan gift voucher worth ₹10,000 (redeemable only at exclusive Titan Stores) (≈ ₹10,000 value)
Airport lounge access
Domestic
8 visit(s) / annual. Via visa.
8 complimentary domestic airport lounge visits per year (max. 2 per quarter).
International
4 visit(s) / annual. Via priority-pass.
4 complimentary international airport lounge visits per year (max. 2 per quarter). Complimentary Priority Pass membership for first 2 years.
Fuel surcharge waiver
1.0% waiver on fuel transactions .
Other benefits
- Tanishq value back. 3% value back as gift vouchers on spends at Tanishq (quarterly cap applicable).
- Mia / CaratLane / Zoya cashback. 5% cashback on spends at Mia, CaratLane & Zoya (quarterly cap applicable).
- Titan brands cashback. 7.5% cashback on spends at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata (quarterly cap applicable).
Sources
- : www.sbicard.com · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- —
- Income (salaried)
- —
- Income (self-employed)
- —