Titan SBI Credit Card
SBI Bank
Expert Rating
₹2,999
₹2,999
1.99%
12 visits/yr
Contents
The SBI Bank Titan SBI Credit Card is a co-branded lifestyle card tailored for shoppers of Titan brands and related stores. It delivers strong cashback and rewards within the Titan ecosystem plus base rewards on all other retail spends. Card perks include lounge access, milestone spend benefits and brand-voucher redemption options.
Features of Titan SBI Credit Card which makes it unique
Brand-specific Cashback
Higher value-back at Titan ecosystem stores
Better value for Titan shoppers
Superior at-brand returns vs generic cards
Spend-Based Reversal
Annual fee reversal on high annual spends
Effectively reduces annual cost for high spenders
Competitive milestone benefits
Rewards Structure of Titan SBI Credit Card
Titan Brands
acceleratedSelected Titan non-jewellery brands (in-store and online)
Works across World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth, Sonata and other specified Titan brands.
Titan Jewellery
acceleratedParticipating jewellery merchants (e.g., Caratlane, Mia, Zoya)
Cashback value-back may be delivered as Titan gift vouchers per issuer policy.
Base
baseAll other retail purchases (non-fuel)
Standard earn rate for non-Titan spends; points redeemed as per issuer catalogue.
Milestones of Titan SBI Credit Card
Spend-Based Reversal
₹3,00,000 : Annual fee reversal/waiver
Higher Annual Benefits
₹5,00,000 : Additional benefits/vouchers (issuer campaigns)
Top-Spend Benefits
₹10,00,000 : Enhanced benefits and exclusive offers (subject to issuer T&Cs)
Fees & Charges of Titan SBI Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,999 |
| Annual Fee | ₹2,999 |
| 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 reversed/waived on spends of ₹3,00,000 in a membership year (spend-based reversal).
Fee Explanation Standard bank rates and card terms apply for overdue amounts and cash transactions. Refer to issuer T&Cs for exact calculations.
Lounge Access Benefits with Titan SBI Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Complimentary domestic lounge access as per card terms (2 per quarter)
international Lounges
silverVisits per year: 4
Guest access: No
International lounge access subject to program and issuer terms
Insurance Coverage with Titan SBI Credit Card
purchase protection
₹50,000Subject to issuer's purchase protection terms
travel insurance
VariesCheck current issuer terms and eligible bookings
Additional Features of Titan SBI Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Add-on cards available per issuer policy
Welcome Bonus with Titan SBI Credit Card
Welcome Bonus: 12,000 reward points (worth ₹3,000).
Bonus Conditions: Welcome points
Application Process for Titan SBI Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via the issuer portal
Upload KYC documents
Receive verification call or OTP validation
Card dispatched within 5-7 business days after approval
Required Documents for Titan SBI Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Titan SBI Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India (RuPay network acceptance varies by merchant)
International Acceptance
Accepted internationally where the card network is supported
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Titan SBI Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Customer must complete KYC with valid PAN and Aadhaar and meet issuer's underwriting criteria.
How Approval Is Decided
- Meet issuer eligibility (credit score/underwriting)
- Indian resident and valid KYC
- Issuer may require minimum income evidence
Pros of Titan SBI Credit Card
- Excellent rewards within Titan ecosystem
- Generous welcome benefit for new cardholders
- Spend-based fee waivers and milestone perks
Cons of Titan SBI Credit Card
- Joining and annual fee is high unless you meet spend thresholds
- Rewards primarily valuable within the Titan ecosystem (limited universal transfer options)
Frequently Asked Questions about Titan SBI Credit Card
What is the welcome benefit?
You receive 12,000 reward points (worth ₹3,000) on payment of the joining/activation fee; activation conditions apply.
How can I waive the annual fee?
Spend ₹3,00,000 in a membership year to get the annual fee reversed (spend-based reversal).
Where can I redeem reward points?
Reward points are primarily redeemable for Titan gift vouchers and offers via the issuer's redemption catalogue.
What is the accelerated cashback rate at Titan stores?
Titan brands enjoy accelerated value-back (typically 7.5% at specified non-jewellery Titan stores; subject to caps).
Is lounge access included?
Yes — complimentary domestic and limited international lounge visits are offered as per card terms (subject to visit caps).
Are there fuel surcharge waivers?
Yes — fuel surcharge waiver up to ₹100 per statement cycle for eligible fuel transactions between ₹500 and ₹3,000.
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