INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official sbicard.com (SBI Cards and Payment Services Ltd.) Most Important Terms and Conditions (MITC).

🏛️State Bank of India (SBI Card)Network: VisaShopping & Rewards CardsLast Verified: 2026-09-28

Titan SBI Card

टाइटन एसबीआई कार्ड

Luxury retail credit card offering 3% value back on Tanishq jewelry, 7.5% on Titan/Fastrack/Taneira, 8 domestic + 4 Priority Pass lounge visits, and ₹15,000 milestone vouchers.

Annual Fee₹2,999 + GST (Renewal: ₹2,999 + GST)

Reward Rate7.5% cashback on purchases at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, and Sonata. 5% cashback at Mia, Caratlane, and Zoya. 3% value back as Titan gift vouchers on Tanishq jewelry. 6 Reward Points per ₹100 on other retail.

Airport Lounge8 complimentary domestic airport lounge visits per calendar year (max 2 visits per quarter). 4 complimentary international airport lounge visits per year via Priority Pass.

Forex Markup3.50% + GST.

What Is This Card

Titan SBI Card is a premium retail and luxury lifestyle credit card created in partnership with the Tata Group's Titan Company. Designed for jewelry and luxury buyers, it offers up to 7.5% cashback across Titan brands and 3% value back on precious gold/diamond jewelry at Tanishq.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹2,999 + GST (Renewal: ₹2,999 + GST)

Fee Waiver: Spend ₹3,00,000 or more in the preceding membership year to get the annual renewal fee of ₹2,999 reversed.

🎁Welcome Benefit

12,000 bonus Reward Points (worth ₹3,000) credited upon payment of the annual fee.

⚡Reward Points Structure

7.5% cashback on purchases at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, and Sonata. 5% cashback at Mia, Caratlane, and Zoya. 3% value back as Titan gift vouchers on Tanishq jewelry. 6 Reward Points per ₹100 on other retail.

Redemption Value: 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). Tanishq value back delivered as official Titan Gift Vouchers.

🛫Airport & Railway Lounge Access

8 complimentary domestic airport lounge visits per calendar year (max 2 visits per quarter). 4 complimentary international airport lounge visits per year via Priority Pass.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Air Accident Liability Cover of ₹50 Lakhs. Lost Card Liability cover up to ₹1 Lakh.

Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at all petrol pumps in India (maximum ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Additional Titan gift vouchers worth ₹5,000 on reaching annual spends of ₹5 Lakhs; an additional ₹10,000 voucher on reaching ₹10 Lakhs annual spends. Annual fee waiver on ₹3 Lakh spend.

Interest-Free Period: 20 to 50 days.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Cashback benefits on Titan brands are capped at ₹10,000 per calendar quarter. Tanishq 3% value back is strictly issued as Titan Gift Vouchers (not cash or statement credit) and does not apply to bullion/gold coins or the Golden Harvest monthly scheme. 3.50% forex markup.

Forex Markup Fee3.50% + GST.

Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 3.50% per month.

Finance Charges (Interest)Up to 3.50% per month (42.00% per annum).

Late Payment SlabsNil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.

Reward Points ExpiryReward points expire 24 months from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, utility payments, wallet loads, rent payments, educational payments, and government transactions.

Eligibility Criteria

Salaried corporate executives and self-employed professionals aged 21 to 70 years.

Age Requirement21 to 70 Years

Minimum Income₹6,00,000 per annum (Salaried) / ₹8,00,000 per annum (Self-Employed ITR)

CIBIL Score NoteRecommended CIBIL score of 740+.

SBI RelationshipNot mandatory.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit sbicard.com/apply or open the YONO SBI app and select Titan SBI Card.

2Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score).

3Fill online application form with personal, residence, and occupational details (takes 5–10 minutes).

4Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof).

5Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants).

6Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.

Branch Application for Offline Applicants

Available at SBI branches or at select Tanishq and World of Titan stores across India.

Visit Official Card Page (sbicard.com)Download Official MITC (PDF)

Documents Required

1. PAN Card

2. Aadhaar Card / Passport

3. Last 3 months' salary slips with bank statement OR Latest ITR.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Titan SBI Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.. In addition, revolving finance charges at Up to 3.50% per month (42.00% per annum). will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on Titan SBI Card into EMI?

Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on Titan SBI Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). Tanishq value back delivered as official Titan Gift Vouchers. Please note: Reward points expire 24 months from the date of accrual.

What is the interest-free grace period on Titan SBI Card and how does it work?

The interest-free period on Titan SBI Card is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 3.50% per month (42.00% per annum).) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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