Titan SBI Card

Renewal feeJoining fee

₹2,999 + GST

Fee waiver rule

Fee waived if you spend ₹3 lakhs.

Add-on card fee

₹0

Welcome benefit

Get 12,000 Reward Points worth ₹3,000 on payment of Annual Fees.

Reward rate

6 Reward Points per ₹100 · everyday spends7.5% Cashback at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata; 5% Cashback at Mia, CaratLane & Zoya; 3% Value Back as Gift Vouchers at Tanishq; 6 Reward Points per ₹100 on all other categories outside Titan spends.

Fuel earning

Reward Point Accrual exclusion on fuel

Rent earning

Reward Point Accrual exclusion on property rental

Utilities earning

Reward Point Accrual exclusion on utilities categories

Wallet load earning

Reward Point Accrual exclusion on wallet upload

Reward exclusions

Reward Point Accrual exclusion on fuel, wallet upload, property rental, utilities categories

Reward caps

Quarterly cap applicable on Titan Instore Benefits.

What one reward unit is worth

1 Reward Point = ₹0.25.

Catalogue redemption

All the Titan Reward Points earned on the card can be converted to exclusive Titan Vouchers: Titan Jewellery e-Voucher or Titan Retail e-Vouchers

Voucher and product redemption

Use your Reward Points to redeem against a wide array of Titan Vouchers.

Point expiry

Reward Points accrued under the Rewards Program are valid for a period of 24 months.

International lounge access

4 complimentary International Airport Lounges in a year (max. 2 per quarter)

Domestic lounge access

8 complimentary Domestic Airport Lounges in a year (max. 2 per quarter)

Priority Pass

Complimentary Priority pass Membership for first 2 years.

Milestone benefits

Gift Voucher worth ₹5,000 on annual spends of ₹5 lakhs; Gift Voucher worth ₹10,000 on annual spends of ₹10 lakhs (redeemable only at exclusive Titan Stores)

Fuel surcharge waiver

1% fuel surcharge waiver on transactions up to ₹3,000 at all petrol pumps across India.

Add-on card eligibility

Add-on cards for your parents, spouse, children or siblings above the age of 18.

Balance transfer terms

Balance Transfer Offer allows the customer to transfer other Bank credit cards' outstanding to SBI Credit Card; a one-time Processing Fee is charged over and above the ROI.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%

Cash advance fee

2.5% or ₹500 whichever is higher (domestic & international ATMs)

Cash advance interest

3.75% p.m. (45% p.a.) for unsecured cards.

Cash withdrawal limit

Max. ₹15,000 per day on ATM withdrawals, subject to Cash Advance Limit availability

Interest on unpaid balance

The current rate of finance charges is upto 3.75% per month [45% per annum] from the transaction date and is subject to change at the discretion of SBI Cards & Payment Services Limited (SBICPSL).

Interest-free period

20-50 days interest-free when you pay in full.

Late payment fee

Nil to ₹1,300

Over-limit fee

2.5% of Overlimit Amount (subject to a minimum of ₹600). Overlimit Fee will not be reversed in case of transaction reversal / cancellation / refund.

Payment return or dishonour fee

2% of Payment amount (subject to a minimum of ₹500)

Card replacement fee

₹100 - ₹250

Cash payment / cash deposit fee

₹250

Cheque payment / dishonour fee

Cheque Payment Fee: ₹200 plus applicable taxes

Education / school fee charge

1% of the transaction amount applicable on Education Payments made through third-party apps.

Foreign ATM fee

2.5% of transaction amount (subject to a minimum of ₹500)

Reward redemption fee

₹99. Applicable only on Physical products, Statement Credit & on Vouchers that are sent physically as specified in the individual product Terms & Conditions, for all cards except AURUM. No redemption fee will be charged to the card account if, the card account status is found voluntarily closed on the fee posting date

Wallet load charge

1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000.

Fuel transaction fee

1% of transaction amount + all applicable taxes

Rent transaction fee

₹199

Utility transaction fee

If the sum of all Utility Payments in a billing cycle exceeds ₹50,000, then a Utility Payments Fee of 1% will be charged on the total amount of Utility payments made in that billing cycle.

GST note

GST rate of 18%

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

Minimum Amount Due shall be 100% of GST + 100% of EMI amount + 100% of Fees/Charges +100% of finance charges+ Overlimit Amount (if any) + 2% of remaining balance outstanding.

Minimum age

Minimum 21 years

Documents required

Fill the application form and submit the KYC documents.