Titan SBI Card
SBI Card · Visa + RuPay · Premium card
A differentiated jewellery and lifestyle co-brand with real lounge value outside the Titan ecosystem.
Titan and Tanishq customers who also travel enough to use domestic and international lounges.
Terms checked 24 Sept 2026
- Annual fee
- ₹2,999 + GST
- Joining fee
- ₹2,999 + GST
- Base reward rate
- 1.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 1.5% |
| Groceries & essentials | 1.5% |
| Dining & delivery | 1.5% |
| Travel & hotels | 1.5% |
| Beauty & wellness | 1.5% |
| Entertainment & movies | 1.5% |
| Education & family | 1.5% |
| Healthcare & pharmacy | 1.5% |
| Subscriptions & streaming | 1.5% |
| Offline store shopping | 1.5% selected Titan brands only |
| International spending | 1.5% |
| Gold & jewellery | 1.5% eligible Tanishq purchases only |
| Insurance premiums | 1.5% |
| Other miscellaneous | 1.5% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- Selected non-jewellery Titan cashback: ₹10,000/quarter · Mia, CaratLane and Zoya cashback: ₹10,000/quarter · Tanishq gift vouchers: ₹25,000/quarter
- Annual fee waiver
- At ₹3,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
8 domestic airport lounge visits per year • 4 international airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not available
4 international airport lounge visits per year · Priority Pass
Guest access: Chargeable
Maximum two complimentary international visits per calendar quarter; visits in India through Priority Pass are chargeable.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 9 items
Tanishq Golden Harvest exclusion
Usage-based valueGolden Harvest transactions receive neither Tanishq gift vouchers nor ordinary reward points.
Conditions: Golden Harvest transactions receive neither Tanishq gift vouchers nor ordinary reward points.
Selected non-jewellery Titan brand cashback
Usage-based value7.5% cashback on eligible ₹100-or-more purchases at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata.
Conditions: 7.5% cashback on eligible ₹100-or-more purchases at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata.
Mia, CaratLane and Zoya cashback
Usage-based value5% cashback on eligible ₹100-or-more purchases at Mia, CaratLane and Zoya.
Conditions: 5% cashback on eligible ₹100-or-more purchases at Mia, CaratLane and Zoya.
Tanishq gift vouchers
Usage-based value3% value back as Tanishq gift vouchers on eligible ₹100-or-more Tanishq purchases outside Golden Harvest.
Conditions: 3% value back as Tanishq gift vouchers on eligible ₹100-or-more Tanishq purchases outside Golden Harvest.
Government-payment exclusion
Usage-based valueGovernment transactions earn no points under current SBI Card exclusions.
Conditions: Government transactions earn no points under current SBI Card exclusions.
Other eligible retail points
Usage-based valueSix points per ₹100 on other eligible non-Titan retail purchases.
Reward points expire after 24 months
Shown without a cash valueGold and jewellery rewards
Usage-based value5% cashback at eligible Mia, CaratLane and Zoya and 3% value in Tanishq gift vouchers, each under its own quarterly cap and exclusions.
7.5% cashback at selected non-jewellery Titan brands
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹2,999₹2,999 annual fee before applicable tax.
Joining fee
Cost ₹2,999₹2,999 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹2,999Annual fee may be waived after ₹3,00,000 of eligible annual spending.
Conditions: Reach ₹3,00,000 eligible annual spending
Welcome benefits · 1 item
12,000 welcome reward points
Recorded value ₹3,000Welcome points worth ₹3,000 at ₹0.25 per point.
Conditions: Pay the applicable ₹2,999 joining fee · Issuer fulfilment and account-standing terms apply
Spend milestones · 2 items
₹5,000 Titan voucher at ₹5 lakh
Recorded value ₹5,000Unlocked after ₹5,00,000 of eligible spending.
Conditions: Reach ₹5,00,000 per card anniversary year
Additional ₹10,000 Titan voucher at ₹10 lakh
Recorded value ₹10,000Unlocked after ₹10,00,000 of eligible spending.
Conditions: Reach ₹10,00,000 per card anniversary year
Airport lounge access · 2 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not available.
International lounge access
Usage-based value4 visits per year through Priority Pass. Guest access: chargeable. Maximum two complimentary international visits per calendar quarter; visits in India through Priority Pass are chargeable.
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. SBI Card does not publish one universal numeric income threshold for Titan SBI Card.
Other benefits · 1 item
1% fuel-surcharge waiver capped at ₹100 per statement cycle on eligible ₹500-₹3,000 fuel purchases
Shown without a cash value
Other categories (9)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗
What stands out
- ✓ 7.5% cashback at selected non-jewellery Titan brands
- ✓ 5% cashback at Mia, CaratLane and Zoya, and 3% Tanishq vouchers
- ✓ ₹5,000 and ₹10,000 cumulative milestone vouchers
- ✓ Eight domestic and four international lounge visits yearly
What to watch
Titan accelerators require an eligible brand transaction of at least ₹100 and have quarterly caps. Tanishq Golden Harvest, utilities, fuel, wallet loads and rent earn no rewards.
Recorded exclusions
Fuel Commute · Bills Utilities · Rent · Wallet load · Cash withdrawal · Balance transfer · Merchant emi · Flexipay · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026