In-depth review
Titan SBI Card
A lifestyle co-brand built around the Titan group — up to 7.5% cashback at World of Titan and the watch/eyewear brands, 5% at Mia/CaratLane/Zoya, 3% vouchers at Tanishq, plus 8 domestic and 4 international lounge visits. Superb if you buy jewellery, watches and eyewear from Titan; a modest 1.5% base if you don't.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹3,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
1.5% on Other
6 Reward Points per Rs. 100 (~1.5%) on every category outside Titan stores, capped at 6,000 points (Rs. 1,500) a month. 4 RP = Re. 1. Fuel, wallet loads, rent, utilities and government spends excluded. Points expire 24 months after they are earned
Airport Lounge Access
Complimentary: 8 domestic airport lounge visits a year (2 a quarter) and 4 international (2 a quarter)
Annual Fee Waiver
Fee of ₹2,999 + 18% GST (₹3,539 all-in)/yr fully waived when you spend ₹3,00,000/year
Milestone Bonus
~₹5,000 in bonus rewards on hitting annual spend milestones
UPI Linked
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
Priority Pass
International lounges
₹8,000
Estimated annual value
3.5%
Forex markup
- Domestic + international airport lounge access (8 domestic visits/yr, worth ~₹8,000)
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹10,000
Milestone bonus value
- An additional Rs. 10,000 gift voucher at Rs. 10 lakh of annual spend, redeemable only at exclusive Titan stores
For committed Titan, Tanishq and CaratLane shoppers — especially anyone with a large jewellery or watch purchase on the horizon — held alongside an everyday card rather than as a primary one.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 1.5%6 pts/₹100 × ₹0.25 | ₹1,500 |
Other: 6 Reward Points per Rs. 100 (~1.5%) on every category outside Titan stores, capped at 6,000 points (Rs. 1,500) a month. 4 RP = Re. 1. Fuel, wallet loads, rent, utilities and government spends excluded. Points expire 24 months after they are earned
Earns nothing on: Fuel · Utility Bills · Wallet Loads · Rent · Government & Tax · EMI Conversions · Cash Advances
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹3,539 |
| Joining fee (incl. 18% GST) | ₹3,539 |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹24,200/yr in total.
8 domestic visits/year (max 2 a quarter) + 4 international (max 2 a quarter) via Priority Pass, free for 2 years. From 10 Jan 2026 domestic access is limited to SBI's published lounge list; visits past the quota cost USD 27 + tax
1% fuel surcharge waiver on transactions up to Rs. 3,000; maximum waiver Rs. 100 per statement cycle
Rs. 5,000 gift voucher at Rs. 5 lakh of annual spend, redeemable only at exclusive Titan stores
An additional Rs. 10,000 gift voucher at Rs. 10 lakh of annual spend, redeemable only at exclusive Titan stores
Milestone ladder
- ₹5,00,000 a year₹5,000 of value
- ₹10,00,000 a year₹10,000 of value
Should you get it?
- Best for: Frequent Titan, Tanishq and CaratLane shoppers, Buyers planning a large jewellery or watch purchase, Occasional flyers who want a strong lounge package for the fee
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on everyday spends (1.5% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- High cashback at Titan group stores — 7.5% at World of Titan/Taneira/Titan Eye+/Helios/Fastrack/Skinn/Irth/Sonata, 5% at Mia/CaratLane/Zoya, 3% vouchers at Tanishq
- Welcome benefit of 12,000 Reward Points worth Rs. 3,000
- Milestone vouchers of Rs. 5,000 at Rs. 5 lakh and a further Rs. 10,000 at Rs. 10 lakh
- 8 domestic and 4 international lounge visits via Priority Pass
✕ Cons
- Best value is locked to Titan and Tanishq brands — narrow for non-jewellery buyers
- Outside Titan stores the rate is a flat 6 Reward Points per Rs. 100 (~1.5%) at Rs. 0.25/point, capped at 6,000 points a month
- Rs. 2,999 fee needs Rs. 3 lakh spend to reverse; milestone vouchers need Rs. 5 lakh+
- Fuel, wallet loads, rent, utilities and government spends earn nothing
- Reward Points expire 24 months after they are earned
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / address proof
- 📄Income proof (salary slips or ITR)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Pay your card outstanding with Reward Points at 4 Reward Points = Re. 1
- 🎁Redeem Reward Points against the SBI Card reward catalogue and Titan vouchers
- 🎁Milestone gift vouchers are redeemable only at exclusive Titan stores
What your SBI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 60,000 pts/month from Apr 2026
Vouchers & merchandise
Best value is locked to the Titan and Tanishq brands — outside them it is a flat ~1.5% at ₹0.25 per point, capped at 6,000 points a month, and fuel, wallet loads, rent, utilities and government spends earn nothing.
Frequently asked questions
What is a Reward Point worth?
What do I get at Titan and Tanishq stores?
Which spends do not earn rewards?
Does the Titan SBI Card earn 10 points per Rs. 100 on dining and pharmacy?
How has the Titan SBI Card changed over time?
Has the Titan SBI Card been devalued recently?
When did the Titan SBI Card's fees last change?
How did the Titan SBI Card change in 2026?
The bottom line
A sharply targeted lifestyle card — outstanding value for Titan-group loyalists, particularly around a big jewellery or watch purchase, with a strong lounge package for the fee. But away from Titan stores it is a flat ~1.5% card and several everyday categories earn nothing, so match it to your actual Titan spending; buy it for the badge and it will disappoint.
How this page was built
Counted from this card’s own record: 1 earn rule, 1 of them capped, the spends listed as earning nothing and 4 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the Titan SBI Card are taken from SBI Card's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for SBI Card. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2024 · last change Apr 2026
2026
- ▼ RedemptionObserved 26 Feb 2026 · Effective 1 Apr 2026
Statement-credit redemption capped & blocked into 4,000-point multiples
Unrestricted statement-credit redemption, any point quantity→Max 60,000 RP/month; redeemable only in multiples of 4,000
Effective 1 April 2026, SBI Card capped statement-credit redemption at 60,000 Reward Points per card per calendar month and required redemptions in multiples of 4,000 points, removing partial/small redemptions. The 4 RP = ₹1 (₹0.25/point) conversion rate is unchanged. Applies to the Titan SBI Card, which lets holders pay their outstanding with Reward Points (only Air India SBI Signature and the two PhonePe SBI variants are exempt).
Verification: SBI Card ↗ · Confidence: High
- ▼ LoungeEffective 10 Jan 2026
Domestic lounge access narrowed to a published lounge list
Any participating domestic lounge on the card network→Only SBI's published participating-lounge list (~30 lounges)
From 10 January 2026 SBI revised its domestic airport lounge programme, publishing a closed list of roughly 30 participating lounges. Access outside that list is no longer complimentary. The same notice adds that for SBI cards on Visa and RuPay a Rs.2 non-refundable validation charge is levied to the card account per visit. The visit COUNT is unchanged; what narrowed is where those visits can be used.
Verification: SBI Card ↗ · Confidence: High
2025
- ▼ FeeEffective 1 Nov 2025
1% fee on third-party education payments & wallet loads
No surcharge on education/wallet-load spends→1% fee on 3rd-party education fees & wallet loads over ₹1,000
In its system-wide fee revision effective 1 November 2025, SBI Card added a 1% fee on education-fee payments made via third-party apps/aggregators (Paytm, PhonePe, Razorpay, etc.; direct school/college website or campus POS payments stay free) and a 1% fee on digital-wallet loads exceeding ₹1,000. Applies to the Titan SBI Card.
Verification: SBI Card ↗ · Confidence: High
2024
- ▼ RewardEffective 15 Jul 2024
Government transactions stop earning reward points
Base RP earned on government spends→Excluded (MCC 9399 / 9311)
From 15 July 2024, government-related transactions (MCC 9399 and 9311 — tax, fines and government-service payments) stopped accruing Reward Points across SBI Card's portfolio, including the Titan SBI Card, which had earned its 6-RP-per-₹100 base rate on such spends since its March 2024 launch.
Verification: SBI Card ↗ · Confidence: High
- ◆ LaunchEffective 21 Mar 2024
Titan SBI Card launched
SBI Card and Titan Company launched the Titan SBI Card, a Visa lifestyle co-brand built around the Titan group, with a ₹2,999 joining/renewal fee reversed at ₹3 lakh of annual spend. At launch it offered quarterly-capped brand cashback — 7.5% at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata (cap ₹10,000/quarter), 5% at Mia, CaratLane and Zoya (cap ₹10,000/quarter) and 3% value-back vouchers at Tanishq — plus a flat 6 Reward Points per ₹100 (~1.5%) on every category outside Titan stores at 4 RP = ₹1, capped at 6,000 points a month, a 12,000-point (₹3,000) welcome benefit, milestone Titan vouchers and 8 domestic plus 4 international lounge visits via Priority Pass; fuel, wallet loads, rent and utilities earn nothing.
Verification: SBI Card ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/sbi-titan#value-timeline">Titan SBI Card value timeline</a>, CardAdvisor (CC BY 4.0).
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