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SBI Card, one of the leading credit card issuers in India, has partnered up with a giant in the premium retail category, Titan. The Titan SBI Credit Card offers exclusive discounts, cashback, and privileges on transactions made with the Titan. With this card, frequent shoppers at Titan brands can save big on their purchases. You can get up to 7.5% cashback on World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata.

This card would also be suitable for those who regularly travel on flights, as it offers free international and domestic lounge access. To check all the benefits of this card, read the article below.

Titan SBI Credit Card


Joining Fee

Rs. 2999 + GST

Renewal Fee

Rs. 2999 + GST

Best Suited For

Shopping |

Reward Type

Reward Points |

Welcome Benefits

12000 Reward Points (Worth ₹3,000)

Movie & Dining


Rewards Rate


Reward Redemption

Redeem for a Wide Range of Titan Vouchers





Domestic Lounge Access

8 Visits in a Year (Max 2 Each Quarter)

International Lounge Access

4 Visits in a Year (Max 2 Each Quarter)

Insurance Benefits


Zero Liability Protection

Cardholder Will Not Be Liable for Any Fraudulent Transaction if the Card is Reported Lost or Stolen to the Bank in a Timely Manner

Spend Based Waiver

On Spends of ₹3 Lakh

Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup

3.5% of the Transaction Amount

Interest Rates

3.50% Per Month (42% Per Annum)

Fuel Surcharge

1% Waiver on Fuel Transactions Up to ₹3,000

Cash Advance Charges

2.5% or a Minimum of Rs. 500

Add-on Card Fee


  • This credit card is exclusively designed for Titan brands.
  • You can earn 7.5% cashback on 8 Titan brands.
  • All non-Titan expenditures shall get 6 Reward Points per ₹100 spent.


This card is ideal for individuals with high net worth as it offers savings at the premium Titan brand and also provides milestone benefits.


For a card with an annual charge of ₹3,000, this card offers no dining or movie benefits. It is mainly focused on Titan purchases.

Benefits on Titan Purchases

Accelerated Rewards Brands Maximum Cashback
7.5% Cashback World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth, Sonata ₹10,000/Per Quarter
5% Cashback Caratlane, Mia, Zoya ₹10,000/Per Quarter
3% Gift Voucher Tanishq ₹25,000/Per Quarter
  • You can earn 3% value back on your Tanishq purchases in the form of gift vouchers every quarter.
  • You can earn a 5% cashback on your quarterly spends at Mia, Caratlane, and Zoya.
  • 7.5% cashback on World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata on quarterly spends.

All value back and cashback will be auto-credited to the cardholder’s account within 5 working days of the following statement generation.

Reward Points Earning With Titan SBI Card

  • 6 Reward Points/₹100 spent on all other categories outside Titan spends.
  • Reward Points shall not be awarded for transactions made in the Fuel, Wallet Reloads, Property Rental, and Utility categories.
  • Value of 1 Reward Point = ₹0.25

Rewards on Achieving Milestones Spends

  • You can earn a gift voucher worth ₹5000 as a milestone reward on your annual spends of ₹5 lakh.
  • Earn an additional Gift Voucher worth ₹10,000 as a milestone reward on annual spends of ₹10 lakh.
  • These gift vouchers are applicable and can be redeemed only at exclusive Titan Stores.

Free Lounge Access

  • You shall get 8 complimentary domestic airport lounge visits in a year. A maximum of two visits each quarter.
  • With the Titan SBI Card, you will also be provided with 4 free international lounge visits per year. A maximum of 2 visits each quarter.
  • Priority Pass Membership is also offered with this card.

Make Easy Spends With UPI

As this credit card is on the RuPay network, you can easily link it with UPI apps like GooglePay and make hassle-free transactions. Customers shall earn 6 Reward Points/₹100 spent on UPI.

Fuel Surcharge Waiver

1% fuel surcharge across all petrol pumps in India on transactions up to ₹3,000, exclusive of GST and other charges

Bottom Line

The Titan SBI Credit Card is designed for customers who are enthusiastic shoppers or loyal to the Titan brand. The card offers accelerated rewards on Titan purchases and gift vouchers for purchases made on Tanishq. In addition, the card provides several other benefits, such as free airport lounge access both in India and abroad. However, if you are looking for more comprehensive benefits, consider other SBI Credit Cards such as the SBI Prime Credit Card or SBI SimplyCLICK Credit Card. Please feel free to share your views on the topic in the comments below.


Cashback is usually transferred within 2 days of statement generation.
No, the cashback earned with the Titan SBI Credit Card shall not expire. It will be adjusted against your credit card statement.
Yes, you shall earn 6 Reward Points for each spend of ₹100 on UPI.

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