SBI CardTitan SBI Credit Card
The Titan SBI Credit Card is a premium co-branded card for fans of the Titan family of brands.
Top Category Performance
Cashback (95/100)
Joining Fee
₹2,999
Annual Fee
₹2,999
Reward Rate (%)
2 – 7.5
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
18/25
Lounge & Perks
18/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Titan SBI Credit Card Benefits
Titan SBI Credit Card Rewards
How you earn back on every swipe
cashback
Reward type
2% – 7.5%
Earn rate
Titan SBI Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Titan SBI Credit Card Lounge Access
Airport perks included with this card
2 per quarter
Domestic lounge visits
4 per year
International lounge visits
Priority Pass
Included with this card
DreamFolks
Lounge access via DreamFolks
Things to Keep in Mind
- 7.5% cashback only at Titan Group stores — no other retail
- No cashback on fuel, EMI, cash advances, utility payments, government transactions
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹25,000/mo (₹3,00,000/yr), your ₹2,999 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Titan SBI Credit Card Eligibility
Pros & Cons
- 7.5% cashback on Titan Group stores (Tanishq, Titan, Mia, Fastrack, Skinn)
- 2% cashback on all other retail spends
- 2 domestic airport lounge visits per quarter via DreamFolks
- 4 international lounge visits per year via Priority Pass
- Annual fee waived on ₹3 lakh spend
- ₹2,999 joining + annual fee
- Best cashback only within Titan Group ecosystem
- High annual fee for a retail co-branded card
Who is this card for?
Regular Titan Group shoppers who purchase jewellery (Tanishq), watches (Titan), or accessories (Fastrack) frequently, and who want premium lounge access alongside retail rewards.
Quick Links
Data last updated 4 Aug 2026
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Calculate your exact earnings with Titan SBI Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.