Titan SBI Card

Name: Titan SBI Card
Brand: SBI Card

WalletWalk Rating

Best for Titan brand shoppers

Last updated: 01-Oct-2025

Overview

The Titan SBI Card is designed for those who frequently shop at Titan brands like Tanishq, Mia, Fastrack, and more. It offers high-value cashback, milestone benefits, and airport lounge access, making it a great lifestyle credit card.

Pros

↑Welcome benefits
↑Milestone rewards

Cons

↓Limited RP redemption
↓No insurance coverage

Key Highlights

Welcome Offer
12,000 RP
12,000 RP worth ₹3,000 on payment of the annual fee

Reward Rate
6 RP / ₹100 spent + up to 7.5% cashback
Up to 7.5% cashback on Titan brands
6 RP / ₹100 spent

Joining Fee
₹2999

Annual Fee
₹2999

Key Benefits

Bill Payment

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Pay bills using Easy Bill Pay

Cashback

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Up to 7.5% RP on Titan brands

Fuel

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1% fuel surcharge waiver (₹500 - ₹3,000 transactions)

Milestone

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Gift vouchers at ₹5L & ₹10L annual spend + Spend-based reversal on ₹3L annual spend

Reward Points

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6 RP / ₹100 on eligible spends

Shopping

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Offers on Titan brand

Merchant Offers

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Yes > Offers on Titan brand

Airport Lounge Access

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4 visits / year
8 visits / year

Balance Transfer

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No interest if payment made within 60 days.
Can be taken for ₹5,000 to max 75% of credit limit

Detailed Information

Joining Fee	₹2999
Annual Fee	₹2999
Monthly Percentage Rate	3.50%
Annual Percentage Rate	42.00%
Foreign Currency Markup	3.50%
Late Payment Charges	₹400 - ₹1,300 (Based on outstanding amount due)
Overlimit Charges	2.5% of the overlimit amount that exceeds the credit limit or ₹600
Cash Advance Fee	2.5% (subject to min. of ₹500)
Balance Transfer Fee	"- Within 60 days, 2% or ₹199 (whichever is higher) - Within 180 days, interest charged at 1.7% p.m. (20.4% p.a) but nil fees"
Card Replacement Fee	₹100
Fee For Cheque Bounce	2% of Payment amount (subject to a min. of ₹500)

Identity Proof	Recent passport size photograph, Copy of masked Aadhaar / Virtual ID card (both sides mask first 8-digits of Aadhaar Number), Voter ID Card (both sides), Driving License\* (both sides), Passport (any one of the mentioned)
Address Proof	Copy of masked Aadhaar / Virtual ID card (both sides mask first 8-digits of Aadhaar Number), Letter issued by the National Population Register containing details of name and address, Job card issued by NREGA duly signed by an officer of the State Government, utility bill.
Income Proof Salaried	Salary Slip, Income tax return
Income Proof Self Employed	Registration certificate, CST/VAT/ GST certificate (provisional/final), Permanent Account Number or the equivalent e-document thereof or Form 60

Titan SBI Card

Age Requirement Salaried	21 to 70 years
Age Requirement Self Employed	21 to 70 years
Minimum Credit Score	750

Age Requirement Salaried	21 to 70 years
Age Requirement Self Employed	21 to 70 years
Minimum Credit Score	750