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Titan SBI Credit Card Review 2026
A co-branded card built for Titan shoppers - up to 7.5% cashback on Titan-group brands, 5% on Tanishq's Mia/CaratLane/Zoya, plus 12 lounge visits a year, for a ₹2,999 fee waivable at ₹3 lakh annual spend.
4
/5
Card24 Score
Rewards 4.2
Travel 2.8
Fees 3.5
Last reviewed July 2026 · Card24.ai editorial team
Annual Fee
₹2,999 Joining & Annual
Titan-Brand Cashback
Up to 7.5% Cashback
Non-Titan Earn Rate
6 Reward Points/₹100
Welcome Benefit
₹3,000 Welcome Gift
Credit Card Verdict- Titan SBI Credit Card
What we like
- The Titan SBI Credit Card offers up to 7.5% cashback on Titan-group brands and 5% on Tanishq's Mia, CaratLane, and Zoya - genuinely exceptional rates for gold, jewellery, and watch purchases, categories that almost every other Indian credit card excludes from rewards entirely.
- A 12,000 Reward Point welcome benefit (worth ₹3,000) on paying the joining fee brings the effective first-year cost down substantially, especially for cardholders who'll actually redeem it for Titan vouchers they'd buy anyway.
- 8 domestic and 4 international lounge visits a year come with no minimum monthly spend condition attached - a refreshingly simple lounge benefit compared to cards that gate access behind a spend threshold every single month.
- Every approved Titan SBI Credit Card results in a tree being planted via Grow-Trees.com, a small but distinctive CSR touch from the Titan-SBI partnership that few other co-branded cards in India offer.
Watch out for
- Reward Points on this card redeem only for Titan gift vouchers - there's no flexible multi-brand catalogue, cashback-to-statement option, or travel redemption like most general-purpose rewards cards offer, so the card's value depends heavily on how much you actually shop Titan brands.
- Outside Titan-group brands, the base earn rate is a modest 6 Reward Points per ₹100 (1.5% value back) - reasonable but unremarkable, so this card doesn't compete well as a general everyday spending card against dedicated cashback cards.
- Cashback on Titan-group brand spends is credited quarterly, not immediately after each purchase - a delay that some cardholders may find inconvenient compared to instant reward crediting on other cards.
- Fuel, wallet loads, rent, and utility payments earn zero Reward Points on this card - standard exclusions across most cards, but worth knowing if you were hoping to consolidate all your monthly spending onto one card.
Credit Card Achievers- Titan SBI Credit Card
Is the Titan SBI Credit Card Worth It in 2026?
The Titan SBI Credit Card is worth it primarily for people who regularly shop Titan-group brands - jewellery from Tanishq, Mia, CaratLane, or Zoya, or lifestyle products from World of Titan, Titan Eye+, Fastrack, and Helios. Cashback rates of 3-7.5% on these purchases are genuinely rare in a market where most cards exclude gold and jewellery from rewards entirely.
Beyond the Titan ecosystem, the card offers a genuinely simple travel benefit - 8 domestic and 4 international lounge visits a year with no minimum spend condition to unlock them - plus a 12,000 Reward Point welcome benefit worth ₹3,000 on paying the joining fee, which can offset most or all of the first-year cost if redeemed for a Titan voucher you'd use anyway. A ₹3 lakh annual spend threshold also waives the ₹2,999 renewal fee for consistent spenders.
The trade-off is redemption flexibility - every Reward Point on this card converts only into Titan gift vouchers, with no option to redeem for cash, travel, or other brand vouchers. If you don't shop Titan brands at all, or want a card that offers broader redemption choice, this card's core value proposition largely disappears.
Beyond the Titan ecosystem, the card offers a genuinely simple travel benefit - 8 domestic and 4 international lounge visits a year with no minimum spend condition to unlock them - plus a 12,000 Reward Point welcome benefit worth ₹3,000 on paying the joining fee, which can offset most or all of the first-year cost if redeemed for a Titan voucher you'd use anyway. A ₹3 lakh annual spend threshold also waives the ₹2,999 renewal fee for consistent spenders.
The trade-off is redemption flexibility - every Reward Point on this card converts only into Titan gift vouchers, with no option to redeem for cash, travel, or other brand vouchers. If you don't shop Titan brands at all, or want a card that offers broader redemption choice, this card's core value proposition largely disappears.
Best For: Regular shoppers of Titan-group brands - Tanishq, CaratLane, Mia, Zoya, Titan Eye+, Fastrack - who also want simple, unconditional lounge access.
Titan SBI Credit Card Benefits
How to Get Maximum Value from Your Titan SBI Credit Card
Any jewellery purchase at Tanishq, Mia, CaratLane, or Zoya should go on the Titan SBI Credit Card first - 3-5% cashback on categories most cards exclude entirely is difficult to beat elsewhere. Keep an eye on the ₹25,000 (Tanishq) and ₹10,000 (Mia/CaratLane/Zoya) quarterly caps if you're making a large purchase.
Don't limit this card to jewellery - Titan Eye+, Fastrack, Helios, and World of Titan purchases all earn a strong 7.5% cashback, capped at ₹10,000 per quarter. Sunglasses, watches, and everyday accessories from these brands are an easy way to build toward the card's value.
The 12,000 Reward Point welcome benefit is worth ₹3,000 in Titan vouchers - time this redemption around a jewellery, watch, or eyewear purchase you were already planning, so it effectively offsets the joining fee rather than sitting unused.
If you're a consistent spender, keep an eye on your annual spend against the ₹3,00,000 threshold that waives the renewal fee. Large planned purchases - including big-ticket jewellery - count toward this and can help you cross the line before your renewal date.
Unlike many cards that require a minimum monthly spend to unlock lounge access, this card's 8 domestic and 4 international visits a year come with no such condition - use them on any trip without worrying about qualifying spend beforehand.
Don't limit this card to jewellery - Titan Eye+, Fastrack, Helios, and World of Titan purchases all earn a strong 7.5% cashback, capped at ₹10,000 per quarter. Sunglasses, watches, and everyday accessories from these brands are an easy way to build toward the card's value.
The 12,000 Reward Point welcome benefit is worth ₹3,000 in Titan vouchers - time this redemption around a jewellery, watch, or eyewear purchase you were already planning, so it effectively offsets the joining fee rather than sitting unused.
If you're a consistent spender, keep an eye on your annual spend against the ₹3,00,000 threshold that waives the renewal fee. Large planned purchases - including big-ticket jewellery - count toward this and can help you cross the line before your renewal date.
Unlike many cards that require a minimum monthly spend to unlock lounge access, this card's 8 domestic and 4 international visits a year come with no such condition - use them on any trip without worrying about qualifying spend beforehand.
Titan SBI Credit Card Annual Fees
| Joining Fee | ₹2,999 + GST |
| Annual Membership Fee | ₹2,999 + GST per year, waived on ₹3,00,000 spend in a membership year |
| Earn Rate - Titan-Brand Categories | 3% Tanishq (cap ₹25K/quarter) | 5% Mia/CaratLane/Zoya (cap ₹10K/quarter) | 7.5% other Titan brands (cap ₹10K/quarter) |
| Forex Markup | 3.5% |
Titan SBI Credit Card Eligibility & Documents
Age 21-60 years
Minimum annual income Good credit history recommended
Documents required PAN card · Aadhaar, Passport, Driving Licence or Voter ID · Income proof: salary slips
Residency Indian resident
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for Titan SBI Credit Card
The application process is entirely online and takes about 5-7 minutes.
1
Application Process - Visit sbicard.com and search for the Titan SBI Credit Card, or visit any participating Titan store and ask about the co-branded card
2
Fill Personal Details - Enter your name exactly as per your Aadhaar card, date of birth, and registered mobile number
3
Documents Required - A bank representative will contact you to proceed with the idfc millennia credit card aApplication process, including document collection and Video KYC if required
*T&C Apply
Frequently Asked Questions
The Titan SBI Credit Card is SBI Card's co-branded credit card with Titan Company, launched in March 2024. It offers up to 7.5% cashback on Titan-group brands like World of Titan, Titan Eye+, and Fastrack, 5% on Mia/CaratLane/Zoya jewellery, and 3% on Tanishq, alongside 6 Reward Points per ₹100 on other spends. It carries a ₹2,999+GST joining and annual fee, waivable on ₹3 lakh annual spend, and includes 8 domestic plus 4 international airport lounge visits a year.
The Titan SBI Credit Card charges ₹2,999+GST as both the joining fee and the annual renewal fee. The renewal fee is waived if you spend ₹3,00,000 or more in a membership year. A 12,000 Reward Point welcome benefit, worth ₹3,000, is credited on payment of the joining fee, which substantially offsets the first-year cost if redeemed for a Titan voucher you'd use anyway.
Yes. The card offers 8 complimentary domestic airport lounge visits per year (capped at 2 per quarter) and 4 complimentary international airport lounge visits per year. Unlike many cards, there's no minimum monthly spend condition required to unlock this benefit - it's available simply by holding the card.
No. Every Reward Point earned on the Titan SBI Credit Card - whether from Titan-brand cashback or general spends - is redeemable exclusively for Titan gift vouchers via the SBI Card website, mobile app, or customer care. There is no option to convert points to cash, statement credit, or vouchers for other brands, which is an important consideration before applying.
You can apply fully digitally through SBI Card SPRINT at sbicard.com, or visit any participating Titan store in person to enroll. The online process involves entering your PAN and personal details, submitting KYC documents, and completing Video KYC if required, after which SBI Card reviews and approves the application.