SBI Card
Titan SBI Credit Card
Annual Fee
₹1,179₹999 + GSTBase Reward
6% points
Foreign Markup
3.5% of the Transaction Amount
Welcome Benefits
12,000 Reward Points (Worth ₹3,000)
Product Highlights
- Exclusive discounts on Titan brands
- Free international and domestic lounge access
Category Rewards
dining
5X on dining, movies
5X
entertainment
5X on dining, movies
5X
Fee Waiver
Spend-Based Waiver On Spends of ₹3 Lakh
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Titan
10X at Titan group stores (Tanishq, Titan, Fastrack, Titan EyePlus, Mia, Zoya)
Tanishq
10X at Titan group stores (Tanishq, Titan, Fastrack, Titan EyePlus, Mia, Zoya)
Fastrack
10X at Titan group stores (Tanishq, Titan, Fastrack, Titan EyePlus, Mia, Zoya)
Titan Eye Plus
10X at Titan group stores (Tanishq, Titan, Fastrack, Titan EyePlus, Mia, Zoya)
Mia
10X at Titan group stores (Tanishq, Titan, Fastrack, Titan EyePlus, Mia, Zoya)
Zoya
10X at Titan group stores (Tanishq, Titan, Fastrack, Titan EyePlus, Mia, Zoya)
Reward Calculator
Earns ₹5,421/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
6.6K
Titan Encircle Points
₹6.6K
via standard
Effective rate
3.44%
Annual fee
₹1,179
Year 1 net
+₹5,421
Year 2+ net
+₹5,421
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
₹2,000 Titan voucher
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn up to 7.5% cashback on World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata. All non-Titan expenditures shall get 6 Reward Points per ₹100 spent.
- Redeem for a Wide Range of Titan Vouchers
Benefits & Features
Domestic: 8 Visits in a Year (Max 2 Each Quarter) International: 4 Visits in a Year (Max 2 Each Quarter) Free Lounge Access with Priority Pass Membership
Pros & Cons
Pros
- Ideal for high net worth individuals
- Offers savings at premium Titan brands
- Milestone benefits available
Cons
- No dining or movie benefits
- Focused mainly on Titan purchases
Additional Info
Cashback is usually transferred within 2 days of statement generation.
Cashback earned shall not expire.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Spend-Based Waiver On Spends of ₹3 Lakh