Titan SBI Credit Card vs ZET FD Credit Card
SBI Card · SBM Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
SBI CardScoreVery Good
Annual Fee₹2,999
Max Reward7.5%
SBM BankScoreVery Good
Annual FeeFree
Max Reward20%
Titan SBI Credit Card leads overall with a CardCheck Score of 79/100 (+1 pts over ZET FD Credit Card).
4-Pillar Head-to-Head Breakdown
Titan vs ZETReward Power
35%Titan35/35
ZET35/35
Tie (35/35)
Fee Value & ROI
25%Titan18/25
ZET25/25
ZET Wins
Lounge & Travel
20%Titan18/20
ZET4/20
Titan Wins
Forex & Access
20%Titan8/20
ZET14/20
ZET Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 78
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 35/35
- 35/35
- Fee Value & ROI (25%)
- 18/25
- 25/25
- Lounge & Travel (20%)
- 18/20
- 4/20
- Forex & Access (20%)
- 8/20
- 14/20
02—Basic Info
- Bank
- SBI Card
- SBM Bank
- Network
- Visa
- RuPay
- Card type
- Co-branded
- Secured
- Best for
- Titan loyalists — 7.5% on Tanishq, Titan, Mia + lounge access
- Building credit score with an FD-backed secured card and UPI rewards
03—Fees
- Joining fee
- ₹2,999
- FreeBest
- Annual fee
- ₹2,999
- FreeBest
- Fee waiver
- ₹3,00,000
- —
- Interest-free days
- 50Best
- 45
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹1,300
- ₹299Best
- Cash advance fee
- 2.5%Best
- 3.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 2%Best
- 0%
- Max rate
- 7.5%
- 20%Best
- Points / ₹100
- —
- 8
- Point value
- —
- ₹0.25
- Monthly cap
- —
- ₹500
06—Travel & Lounge
- Domestic lounge / qtr
- 2Best
- 0
- Lounge spend criteria
- No spend condition
- —
- Intl lounge / year
- 4Best
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 2.49%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 18
- Min income / month
- ₹60,000
- Free
- Min CIBIL
- 720
- 0Best
- Invite only
Rows won
06of 12
06of 12
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 78 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 35/35 | 35/35 |
| Fee Value & ROI (25%) | 18/25 | 25/25 |
| Lounge & Travel (20%) | 18/20 | 4/20 |
| Forex & Access (20%) | 8/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | SBI Card | SBM Bank |
| Network | Visa | RuPay |
| Card type | Co-branded | Secured |
| Best for | Titan loyalists — 7.5% on Tanishq, Titan, Mia + lounge access | Building credit score with an FD-backed secured card and UPI rewards |
03—Fees Differences highlighted | ||
| Joining fee | ₹2,999 | FreeBest |
| Annual fee | ₹2,999 | FreeBest |
| Fee waiver | ₹3,00,000 | — |
| Interest-free days | 50Best | 45 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | ₹1,300 | ₹299Best |
| Cash advance fee | 2.5%Best | 3.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 2%Best | 0% |
| Max rate | 7.5% | 20%Best |
| Points / ₹100 | — | 8 |
| Point value | — | ₹0.25 |
| Monthly cap | — | ₹500 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2Best | 0 |
| Lounge spend criteria | No spend condition | — |
| Intl lounge / year | 4Best | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 2.49%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 18 |
| Min income / month | ₹60,000 | Free |
| Min CIBIL | 720 | 0Best |
| Invite only | ||
| Rows won | 06of 12 | 06of 12 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Titan SBI Credit Card | ZET FD Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 78/100Very Good |
| Annual Fee | ₹2,999 | Free (₹0) |
| Fee Waiver Spend | ₹3L/yr | No waiver |
| Max Reward Potential | 7.5% | 20% |
| Domestic Lounge Access | 2 / quarter | None |
| International Lounge | 4 / year | None |
| Forex Markup Fee | 3.5% | 2.49% |
Choose Titan SBI Credit Card if:
Your spending centers around titan loyalists — 7.5% on tanishq, titan, mia + lounge access and you want direct partner rewards with SBI Card.
Choose ZET FD Credit Card if:
Your spending aligns with building credit score with an fd-backed secured card and upi rewards and you prioritize SBM Bank's redemption benefits.
Frequently asked questions: Titan SBI Credit Card vs ZET FD Credit Card
- Which is better: Titan SBI Credit Card or ZET FD Credit Card?
- Titan SBI Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 78/100 (Very Good) for ZET FD Credit Card (a lead of +1 points). Titan SBI Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- Titan SBI Credit Card charges an annual fee of ₹2,999 with an annual spend threshold of ₹3 Lakh for renewal fee waiver. In comparison, ZET FD Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between Titan SBI Credit Card and ZET FD Credit Card?
- Titan SBI Credit Card offers a base reward rate of 2% and up to 7.5% on accelerated partner categories. Meanwhile, ZET FD Credit Card offers a base rate of 0% and up to 20% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Titan SBI Credit Card or ZET FD Credit Card?
- Titan SBI Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year) and 4 international lounge visits/year with Priority Pass. On the other hand, ZET FD Credit Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- Titan SBI Credit Card levies a foreign currency markup fee of 3.5%, while ZET FD Credit Card charges 2.49%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).