Visa 📡 Contactless NFC

Titan SBI Card

Joining Fee₹2,999

Annual Fee₹2,999

Forex Markup 3.5%

Apply & Earn ₹3000 →

⚖️ Card Verdict & Target Persona

Who Should Apply

Jewellery buyers, watch collectors, and shoppers purchasing frequently at Tanishq, CaratLane, and Titan stores seeking 7.5% valueback and milestone vouchers up to ₹15,000.

Who Should Avoid

Users who do not shop within the Titan ecosystem.

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹3000 directly upon successful card approval.

Claim ₹3000 & Apply →

🎉

Joining & Activation Welcome Gift

Titan gift vouchers worth ₹3,000 upon payment of joining fee and realization

7.5% Valueback on Titan Ecosystem Spends

7.5% valueback in Titan/Tanishq gift vouchers on spends across Titan ecosystem stores (Titan, Tanishq, CaratLane, Zoya, Mia, Fastrack, Skinn).

Up to ₹15,000 Milestone Vouchers

Gift vouchers worth up to ₹15,000 upon achieving annual spend milestones of ₹5 Lakhs and ₹10 Lakhs.

Domestic Airport Lounge Access

2 complimentary domestic airport lounge visits per calendar quarter (max 1 per quarter).

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

2 Reward Points per ₹100 spent on all other regular retail purchases (0.50% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

7.5% valueback as Gift Vouchers across Titan ecosystem stores (Titan, Tanishq, CaratLane, Zoya, Mia, Fastrack, Skinn); Milestone vouchers: ₹5,000 on ₹5L spend, ₹10,000 on ₹10L annual spend

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Exclusive Titan & Tanishq Store Gift Vouchers, SBI Rewards Catalog

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Jewellery (outside Titan group) Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹300,000/yr

Annual renewal fee of ₹2,999 + GST is waived off on spending ₹3,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹25,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the Titan SBI Card

Annual Fee: ₹2,999/yr (Waivable)

Apply & Claim ₹3000 →

Personalized Card Matcher

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Frequently Asked Questions

No, Titan SBI Card has a joining fee of ₹2999 and an annual renewal fee of ₹2999 (plus applicable taxes).

Titan SBI Card ₹2,999/yr