Titan SBI Card
SBI Card · Open to apply
A Titan group card: 7.5% cashback at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata, 5% at Mia, CaratLane and Zoya and 3% value back as vouchers at Tanishq (quarterly caps), 6 points per ₹100 (1.5%) elsewhere, a 12,000-point welcome, eight domestic and four Priority Pass lounge visits, and annual-spend vouchers at ₹5 lakh and ₹10 lakh. Points redeem only for Titan vouchers.
- Annual fee
- ₹2,999 + GST a year
- Joining fee
- ₹2,999 + GST
- Fee waiver
- Annual fee waived on ₹3,00,000 spend per card year
- Base rate
- 6 points per ₹100 outside Titan stores: 6 SBI Card Reward Points per ₹100 (about 1.5% at cash value)
- Lounges
- Domestic: 8 visits a calendar year; International: 4 visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 7.5% cashback at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata: 7.5% in Titan cashback (about 7.5% at cash value)
Earns nothing on
- No points at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
- No points on wallet loads (MCCs 6540, 6541)
- No points on property rental
- No points on utility bill payments
- No points on Flexipay and Merchant EMI
- No points on cash advances
Where the sources disagree
- Earn rate outside Titan stores: The product page's exclusive privileges say 6 points per ₹100 on all categories outside Titan spends; its "Explore rewards" text says 10 points per ₹100 on chemist, pharmacy, sports, dining and movies and 2 on everything else (the SBI Card PULSE rates). The booklet (clauses 11.3 and 12.5) says 6 per ₹100 up to 6,000 points a month. The booklet is used.
- Redemption of points: The product page says points can pay the card outstanding (4 points = ₹1) and can be redeemed from the reward catalogue; the booklet says the points "can be only redeemed for exclusive Titan Vouchers". The booklet is used, so statement credit is not entered.
Terms the calculator does not value
- Limited-period Fastrack Vibes 4.0 Smart Eyewear offer: a voucher redeemable at Titan Eyeplus stores for new cardholders who paid the first-year ₹2,999, valid 60 days, funded by Titan and "currently not part of the Card Value Proposition". Titan "intends to continue the campaign for now"; it can end with advance communication.
- Titan brand accelerated benefits depend on merchant identifiers in Titan's list that SBI Card reviews regularly; a store missing from the list earns only what the rules for its category give. The calculator treats the named brands as covered.
- The booklet lists the quarterly caps and examples for Tanishq, Mia/CaratLane/Zoya and Watches/Eyeplus/Taneira/Skinn; Sonata, Helios and Fastrack are named in the 7.5% group but not in the capping table.
Sources
- SBI Card Key Fact Statement (PDF created 14 Oct 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- SBI Card Most Important Terms and Conditions (PDF modified 30 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Titan SBI Card product-page data file (fees, rewards, milestones, lounges, fuel waiver, FAQs) (Product page, the bank's own, read 6 Nov 2026)
- Titan SBI Card Terms and Conditions booklet (PDF created 8 Sep 2026, modified 8 Oct 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Domestic Airport Lounge Access Program notice, w.e.f. 10 Jan 2026 (Set A and Set B) (Bank notice, the bank's own, read 6 Nov 2026)
- Fastrack Vibes 4.0 Smart Eyewear Offer with Titan SBI Card, key details (PDF dated 10 Aug 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card customer notices page (10 Jan 2026 lounge notice; no Titan-specific notice in 2025-26) (Bank notice, the bank's own, read 6 Nov 2026)