SBI Tata Titanium Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹499
₹499
1.99%
No lounge access
Contents
A value-focused co-branded card from SBI in partnership with Tata that rewards grocery, departmental and Tata ecosystem spends. It offers activation points, value-back on Tata outlets and affordable joining fees. Suited for everyday shoppers seeking Tata benefits and grocery rewards.
Features of SBI Tata Titanium Credit Card which makes it unique
Tata Ecosystem Value Back
Extra value-back on Tata outlets and platforms
Higher effective returns on Tata spends
Better for Tata shoppers than generic cashback cards
Rewards Structure of SBI Tata Titanium Credit Card
Milestones of SBI Tata Titanium Credit Card
Activation Milestone
₹2,000 : 500 Empower points
Fees & Charges of SBI Tata Titanium Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waiver on ₹1,00,000 annual spend
Fee Explanation Standard bank rates apply for overdue amounts and cash advances.
Detailed Explanation of SBI Tata Titanium Credit Card Fees
Joining Fee: 499 (one-time)
Standard joining fee; activation and welcome benefits as per bank T&C
Annual Fee: 499 (yearly)
Waived on ₹1,00,000 annual spend
Additional Features of SBI Tata Titanium Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Add-on cards available as per bank policy
Welcome Bonus with SBI Tata Titanium Credit Card
Welcome Bonus: 500 Empower points
Bonus Conditions: 500 Empower points credited on total spends of ₹2,000 or more within 60 days of card receipt (activation benefit). Terms apply.
Application Process for SBI Tata Titanium Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via SBI/Tata Card portal or Finanjo
Upload KYC documents
Receive verification call/SMS
Card dispatched within 7 days
Required Documents for SBI Tata Titanium Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
SBI Tata Titanium Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for SBI Tata Titanium Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹10,000
Minimum annual income
Self-Employed Applicants
₹12,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have a valid PAN and Aadhaar card. Indian resident only.
How Approval Is Decided
- Indian resident
- Minimum income and eligibility as per SBI/Tata Card norms
- Credit score meeting bank criteria
Pros of SBI Tata Titanium Credit Card
- Strong grocery and departmental rewards
- Activation bonus on low activation spend
- Value back at Tata stores and Croma
Cons of SBI Tata Titanium Credit Card
- No complimentary lounge access
- Limited premium benefits compared with high-fee cards
Frequently Asked Questions about SBI Tata Titanium Credit Card
What is the welcome/activation benefit?
Get 500 Empower points on total spends of ₹2,000 or more within 60 days of card receipt (activation benefit).
How many reward points are earned on grocery and departmental spends?
You earn 3 reward points per ₹100 spent at grocery and departmental stores.
What is the base earn rate on other retail spends?
You earn 1 reward point per ₹100 on other retail purchases (non-fuel).
How can I get the annual fee waived?
Annual fee can be waived on spending ₹1,00,000 in a cardmember year.
Can I use this card for Tata Neu and Croma benefits?
Yes — the card offers value back on Tata outlets and special value-back at Croma as per active offers.
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