Titan SBI Card
SBI Card
Annual / renewal fee
₹2,999 (one-time) plus applicable taxes.
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM ISTSBI Card
Earn rate
- 7.5% cashback at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata stores.
- 5% cashback at Mia, Caratlane and Zoya stores.
- 3% value back as Gift Vouchers at Tanishq stores.
- 6 Reward Points per ₹100 spent on all categories except at Titan stores (incl. UPI payments at participating Titan Stores).
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM ISTSBI Card
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
Overview
Titan SBI Card by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Confirm on the official page
Official source not yet captured
Annual / renewal fee
₹2,999 (one-time) plus applicable taxes.
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM ISTSBI Card
Fee waiver
Renewal fee of ₹2,999 waived off on annual spends of ₹3 Lakh or more in the preceding year.
VerifiedSBI Card – Most Important Terms & Conditions (MITC) – Universal2 Aug 2026, 8:10 AM ISTSBI Card
Renewal fee
₹2,999 (Waived off on annual spends of ₹3 Lakh or more in the preceding year).
VerifiedSBI Card – Most Important Terms & Conditions (MITC) – Universal2 Aug 2026, 8:10 AM ISTSBI Card
Rewards
- 7.5% cashback at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata stores.
- 5% cashback at Mia, Caratlane and Zoya stores.
- 3% value back as Gift Vouchers at Tanishq stores.
- 6 Reward Points per ₹100 spent on all categories except at Titan stores (incl. UPI payments at participating Titan Stores).
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM IST
Award example
On quarterly spends of ₹11,00,000 (₹8,00,000 Tanishq + ₹2,00,000 Mia/Caratlane/Zoya + ₹1,00,000 Watches/Eyeplus/Taneira/Skinn), total eligible benefit = ₹24,000 + ₹10,000 + ₹7,500 = ₹41,500.
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM ISTSBI Card
Redemption value
- Reward Points redeemable only for exclusive Titan Vouchers (Type A Jewellery, Type B Retail, Type C Tanishq Spend).
- Rewards Redemption Fee: ₹99 (applicable only on Gifts, Statement Credit & Specific Vouchers, for all cards except AURUM).
- Reward Points can be accumulated only for a period of 24 months from the date of activity.
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM ISTSBI Card
Reward cap
- 7.5% cashback (World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth, Sonata) capped at 40000 Reward Points or ₹10,000 quarterly.
- 5% cashback (Mia, Caratlane, Zoya) capped at 40000 Reward Points or ₹10,000 quarterly.
- 3% value back at Tanishq capped at 100000 Reward Points or ₹25,000 quarterly.
- 6 RP per ₹100 on other categories capped at 6000 Reward Points or ₹1,500 monthly.
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM ISTSBI Card
Reward exclusion
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM ISTSBI Card
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- 12,000 Reward Points worth ₹3,000 as welcome gift on payment and realisation of joining fee (credited within 60 days).
- Threshold not stated on official source.
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM ISTSBI Card
Insurance
- SBI Card offers complimentary lost/stolen card insurance cover on certain cards (provided by ICICI Lombard General Insurance Company Limited or another insurer decided by SBI Card).
- And complimentary Air accident / Personal accident insurance cover on certain credit cards (current insurance company: Oriental Insurance Company Ltd.).
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM ISTSBI Card
Milestone benefit
- On annual spends of ₹3 Lakh: reversal of annual fee.
- On annual spends of ₹5 Lakh: gift voucher worth ₹5,000.
- On annual spends of ₹10 Lakh: gift voucher worth ₹10,000 (calculated on Retail Spends excluding balance transfer/encash).
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM ISTSBI Card
Eligibility
Eligibility
Add-on cards can be issued to spouse, parents, siblings and children over 18 years of age.
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM ISTSBI Card
Charges & interest
Forex markup
- Foreign Currency Transaction Fee: 3.5% (for all cards except Elite, Aurum and SBI Card Miles variants).
- Dynamic and Static Currency Conversion Markup Fee: 3.5% on transactions greater than or equal to ₹1,000 carried out in Indian Currency at an international location or at merchants located in India but registered overseas.
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM ISTSBI Card
Charge
- Cash Advance Fee: 2.5% of transaction amount (min ₹500) at domestic and international ATMs.
- Finance Charges: up to 3.75% per month (45% p.a.) for unsecured cards.
- Minimum finance charge ₹25.
- Cash Payment Fee (SBI branches): ₹250 + taxes.
- Cheque Payment Fee: ₹100.
- Payment Dishonor Fee: 2% of payment amount (min ₹500).
- Card Replacement Fee: ₹100-₹250 (₹1,500 for Aurum).
- Emergency Card Replacement (abroad): actual cost (min USD 175 VISA / USD 148 MasterCard).
- Over Limit Fee: 2.5% of overlimit amount or ₹600 whichever higher, once per billing cycle.
- Late Payment Charges: NIL for ₹0-₹500.
- ₹400 for >₹500-₹1,000.
- ₹750 for >₹1,000-₹10,000.
- ₹950 for >₹10,000-₹25,000.
- ₹1,100 for >₹25,000-₹50,000.
- ₹1,300 for >₹50,000.
- Plus additional ₹100 on missing MAD for two consecutive cycles.
- Rewards Redemption Fee: ₹99 (except AURUM).
- Processing Fee on Rent Payment Transactions: ₹199.
- Utility Payments Fee: w.e.f. 1st Dec 2024, 1% of total Utility Payments if total exceeds ₹50,000 in a billing cycle.
- Payment of Customs duty: 2.25% of transaction amount (min ₹75).
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM ISTSBI Card
Fuel surcharge waiver
- 1% fuel surcharge (excluding GST) plus all applicable taxes levied on transactions at petrol pumps.
- 1% fuel surcharge waiver (excluding GST) provided for eligible transaction value on select cards.
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM ISTSBI Card
Interest-free period
- Interest free credit period of 20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full).
- Not applicable if previous month's balance has not been cleared in full or if the Cardholder has availed cash from any ATM.
VerifiedTitan SBI Card – Terms & Conditions (includes Rewards/Program Terms)2 Aug 2026, 8:10 AM ISTSBI Card
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Titan SBI Card?
Officially traced: Rs. 2,999 (one-time) plus applicable taxes.
Titan SBI Card – Terms & Conditions (includes Rewards/Program Terms)Is the Titan SBI Card annual fee ever waived?
Renewal fee of Rs. 2,999 waived off on annual spends of Rs. 3 Lakh or more in the preceding year.
SBI Card – Most Important Terms & Conditions (MITC) – UniversalHow does the Titan SBI Card earn rewards?
7.5% cashback at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata stores; 5% cashback at Mia, Caratlane and Zoya stores; 3% value back as Gift Vouchers at Tanishq stores; 6 Reward Points per Rs. 100 spent.
Titan SBI Card – Terms & Conditions (includes Rewards/Program Terms)What welcome benefit does the Titan SBI Card offer?
12,000 Reward Points worth Rs. 3,000 as welcome gift on payment and realisation of joining fee (credited within 60 days).
Titan SBI Card – Terms & Conditions (includes Rewards/Program Terms)What are the transfer ratios for Titan SBI Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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