About Titan SBI Credit Card
Titan SBI Credit Card is a premium shopping credit card launched in March 2024 as SBI’s first co-branded card with Titan. This SBI credit card, available at an annual fee of ₹2,999, offers strong value across categories, with its main highlight being accelerated cashback of up to 5% on gold and jewellery purchases at Titan brands like Tanishq, Zoya, CaratLane, and Mia.
Apart from jewellery, the card also provides benefits across other Titan brands such as Taneira, Titan Eye+, Fastrack, Helios, Skinn, Sonata, Irth, and World of Titan. These brands mainly focus on premium and lifestyle products like watches, perfumes, apparel, and accessories.
Since most credit cards do not offer rewards on gold and jewellery spends, this card stands out in that category. Overall, it is best suited for users who frequently spend on jewellery and premium lifestyle products within the Titan ecosystem.
Also Read: Best Credit Cards in India
The Titan SBI Credit Card offers unique benefits through its special partnership with popular brands like Tanishq, Mia, Caratlane, and Zoya.
Titan SBI Credit Card Rewards Program
Rewards Program
- Get 3% value-back as vouchers on Tanishq spends (up to ₹25,000 per quarter)
- Earn 5% cashback on Mia, CaratLane and Zoya spends (up to ₹10,000 per quarter)
- Get 7.5% cashback on other Titan brands like Fastrack, Titan Eye+, Helios and more (up to ₹10,000 per quarter)
- Earn 6 reward points per ₹100 on non-Titan spends (up to 6,000 points)
- Earn 6 reward points per ₹100 on UPI spends at Titan stores
- Redeem points at ₹0.25 per point against Titan vouchers
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefits:
- Get 12,000 Reward Points worth Rs. 3,000 when you pay the annual fee.
Titan In-store Benefits:
- Earn 3% value back on Tanishq purchases and 5% cashback on Mia, Caratlane, and Zoya, making shopping at these stores more rewarding.
Renewal Benefit:
- Annual fee is waived if you spend Rs. 3 lakh in a year.
Milestone Benefits:
- Get additional ₹5,000 worth benefits on ₹5 lakh annual spends
- Get additional ₹10,000 worth benefits on ₹10 lakh annual spends
Also Read: Best Milestone Benefits Credit Cards
Lounge Access:
- Enjoy 8 domestic lounge visits per year (2 per quarter)
- Get 4 international lounge visits per year (2 per quarter, for first 2 years)
- Complimentary Priority Pass membership
Also Check: Best Lounge Access Credit Cards
Fuel Surcharge Waiver:
- Save 1% on fuel surcharge for transactions up to Rs. 3,000 at petrol pumps across India.
Also Read: Best Fuel Credit Cards
Utility Bill Payment Facility:
Pay your electricity, telephone, and mobile bills easily with the Easy Bill Pay facility.
Balance Transfer on EMI:
- Transfer balances from other credit cards to this card and pay off in easy EMIs at lower interest rates.
Easy Money:
- Get drafts or cheques against your card’s cash limit, delivered right to your home with the Easy Money service, for convenient access to extra funds.
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 2,999 |
| Annual Fee | Rs. 2,999 |
| Finance Charges | 3.5% p.m. | 42% p.a. |
| Late Payment Charges | | For outstanding statement balance: | | | Up to Rs. 500 | Nil | | Rs. 500 up to Rs. 1,000 | Rs. 400 | | Rs. 1,000 up to Rs. 10,000 | Rs. 750 | | Rs. 10,000 up to Rs. 25,000 | Rs. 950 | | Rs. 25,000 up to Rs. 50,000 | Rs. 1,100 | | Above Rs. 50,000 | Rs. 1,300 |
|
Apply for a Credit Card & Get Instant Approval
Document Required For Titan SBI Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Titan SBI Credit Card Highlights
What do we like about this card?
- Get 7.5% value-back on Titan Group brands like Fastrack, Titan Eye+ and more
- Earn 6 reward points per ₹100 on other spends
- Get 12,000 reward points worth ₹3,000 as joining benefit
- Enjoy 8 domestic and 4 international lounge visits every year
- Get additional benefits up to ₹10,000 on high annual spends
- Annual fee waived on ₹3 lakh yearly spends
Things to Know Before you apply
Get this card if:
- You often spend on gold and jewellery using your credit card
- Your current cards don’t offer rewards on gold or jewellery purchases
- You have another card for regular everyday spending rewards
- You frequently shop at Titan group brands like Tanishq, Mia, and Fastrack
Pros
- Cashback on jewellery & gold purchases (usually excluded from other cards’ rewards)
- Up to 7.5% returns on Titan Group brands
- Milestone benefits worth Rs. 15,000
- Good rewards on non-Titan spends
- Complimentary domestic and international airport lounge access
Cons
- Rewards can only be redeemed for Titan vouchers
- No extra rewards on everyday spends like dining, groceries, or online shopping
- No travel benefits besides lounge access, which is common in cards priced around Rs. 2,999
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
- Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
- Simply SMS: Send an SMS to 5676791 from your registered mobile number
For Further Support: Contact SBI Customer Care Center
Apply for a Credit Card & Get Instant Approval
Frequently Asked Questions
Jewellery vouchers can be redeemed at select stores like Tanishq, Mia, and Zoya. Other brand vouchers can be used both online and offline at Titan partner brands, though some like Titan Eye+ allow redemption only at stores.
No, you do not earn any rewards, cashback, or vouchers on payments made towards jewellery purchase plans.
Most benefits are clearly defined for in-store purchases. There is no clear confirmation from SBI Card on whether online spends at partner brands earn the same rewards.
No, there are no charges for linking or using UPI with this card. You can also earn rewards on UPI spends at participating Titan stores.
Eligibility depends on SBI Card’s internal criteria, but generally applicants should be between 18 and 60 years of age. Income requirements may vary based on the applicant’s profile.
