शॉपिंग एवं रिवॉर्ड्स कार्डनेटवर्क: Visaसत्यापित: 2026-09-28 (180-दिवसीय SLA)

टाइटन एसबीआई कार्ड

जारीकर्ता बैंक / संस्था: State Bank of India (SBI Card)

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.

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

शुल्क माफी खर्च सीमाSpend ₹3,00,000 or more in the preceding membership year to get the annual renewal fee of ₹2,999 reversed.

रिवॉर्ड दर (Reward Rate)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.

ब्याज प्रभार (APR)Up to 3.50% per month (42.00% per annum).

💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)

कार्ड का संक्षिप्त विवरण

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.

स्वागत लाभ (Welcome Benefit)

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

एयरपोर्ट लाउंज एक्सेस (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.

ईंधन अधिभार छूट (Fuel Surcharge Waiver)

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

माइलस्टोन खर्च लाभ (Milestone Perks)

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.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें

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

न्यूनतम वार्षिक आय आवश्यकता

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

CIBIL स्कोर आवश्यकता: Recommended CIBIL score of 740+.

📂आवश्यक दस्तावेज (Required Documents)

1. PAN Card 2. Aadhaar Card / Passport 3. Last 3 months' salary slips with bank statement OR Latest ITR.

⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.

विलंब भुगतान शुल्क: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.

एटीएम नकद निकासी शुल्क:2.5% of transaction amount or ₹500 (whichever is higher) + 3.50% per month.

विदेशी मुद्रा मार्कअप:3.50% + GST.

🚀आवेदन के चरण (How to Apply)

Step 1: Visit sbicard.com/apply or open the YONO SBI app and select Titan SBI Card. Step 2: Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score). Step 3: Fill online application form with personal, residence, and occupational details (takes 5–10 minutes). Step 4: Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof). Step 5: Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants). Step 6: Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.

आधिकारिक कार्ड पोर्टल पर जाएं आधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

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.