Titan launched its first co-branded credit card with SBI in March 2024. The Titan SBI Credit Card comes with an annual fee of Rs. 2,999 and offers great value across many spending categories. The main highlight is the extra cashback of up to 5% on gold and jewellery purchases at Titan brands like Tanishq, Zoya, Caratlane, and Mia. This is valuable because most credit cards don’t offer rewards on gold and jewellery spends.
The card also gives accelerated cashback on other Titan brands such as Taneira, Titan Eye+, Fastrack, Helios, Skinn, Sonata, Irth, and World of Titan. While these brands aren’t for everyday shopping, they cover high-value items like jewellery and watches, as well as mid-range products like bags and perfumes. So, if you spend a lot on jewellery or premium products from Titan, this card can give you great cashback and voucher benefits.
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 gift vouchers on Tanishq purchases (up to Rs. 25,000 per quarter)
Earn 5% cashback on spending at Mia, Caratlane, and Zoya (up to Rs. 10,000 per quarter)
Enjoy 7.5% cashback on other Titan brands like World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth, and Sonata (up to Rs. 10,000 per quarter)
Earn 6 reward points for every Rs. 100 spent outside Titan brands (up to 6,000 points)
Earn 6 reward points per Rs. 100 on UPI payments at participating Titan stores
Each reward point is worth Rs. 0.25 and can be redeemed for Titan vouchers
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:
Extra Rs. 5,000 worth of benefits on spending Rs. 5 lakh annually
Extra Rs. 10,000 worth of benefits on spending Rs. 10 lakh annually
Unlock more gift vouchers when you reach certain annual spending milestones.
Lounge Access:
8 free domestic airport lounge visits per year (2 per quarter)
4 free international lounge visits per year for the first two years (2 per quarter)
Complimentary Priority Pass membership included.
Fuel Surcharge Waiver: Save 1% on fuel surcharge for transactions up to Rs. 3,000 at petrol pumps across India.
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
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
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
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
Titan SBI Credit Card Hilights
What do we like about this card?
12,000 Reward Points (Rs. 3,000 value) as welcome benefit on annual fee payment
3% value back on Tanishq purchases and 5% cashback on Mia, Caratlane, and Zoya
Annual fee waiver on spending Rs. 3 lakh in a year
Milestone benefits up to Rs. 15,000 on annual spends of Rs. 5 lakh and Rs. 10 lakh
8 complimentary domestic and 4 international airport lounge visits per year with Priority Pass membership
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.
State bank of india
Airport Lounge Access
Cashback
Reward Points
