Premium retail co-branded credit card offering up to 7.5% cashback on Titan brands and Tanishq jewelry.
Titan Ecosystem Shoppers, Tanishq Jewelry Buyers & Luxury Lifestyle Enthusiasts
₹2,999
One-time upfront₹2,999
Waived on ₹3 lakh annual spend6 RPs/₹100 Spent for All Non-Titan Spends
On eligible spends2 Domestic visits/quarter + 4 International visits/year
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Titan SBI Credit Card is one of the most uniquely rewarding retail co-branded cards in India, crafted specifically for consumers and households loyal to the Titan Company portfolio. Cardholders earn a substantial 7.5% cashback on purchases made at Titan, Fastrack, Sonata, and Mia stores, 5% cashback on CaratLane and Zoya, and 3% cashback on Tanishq jewelry purchases (capped at ₹10,000 cashback per quarter). Given that jewelry and gold purchases are almost universally excluded from earning reward points across virtually all Indian credit cards, earning 3% cashback on Tanishq represents immense real-world value for weddings, festive shopping, and gold accumulation. The card immediately neutralizes its ₹2,999 joining fee with a ₹3,000 Titan gift voucher upon fee payment. Beyond brand perks, it functions as a strong lifestyle card: offering 8 complimentary domestic airport lounge visits per year (2 per quarter), 4 complimentary international Priority Pass visits per year (max 2 per quarter), and milestone vouchers worth up to ₹15,000 upon reaching ₹5 Lakh and ₹10 Lakh annual spend milestones. Its primary limitation is brand concentration: if you do not regularly shop for watches, eyewear, and jewelry at Titan ecosystem outlets, the card's general retail earn rate of 6 Reward Points per ₹100 (~1.5% value) does not justify the ₹2,999 renewal fee. Who should consider it: Families and individuals with recurring annual expenditures on Tanishq jewelry, CaratLane, Titan watches, and Fastrack. Who should look elsewhere: General online shoppers who spend primarily on Amazon, Flipkart, Swiggy, and travel.
6 RPs/₹100 Spent for All Non-Titan Spends
12,000 Reward Points (Worth ₹3,000)
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Tanishq, Mia & Zoya Purchases | 7.5% valueback (30 Reward Points per ₹100, max 10,000 pts/quarter) | 10,000 Reward Points / quarterly | Standard terms apply |
| Titan, Fastrack, Sonata, Eyeplus, Skinn, Taneira & IRTH | 5% valueback (20 Reward Points per ₹100, max 10,000 pts/quarter) | 10,000 Reward Points / quarterly | Standard terms apply |
| All Other Retail Spends | 3 Reward Points per ₹100 spent (1 RP = ₹0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Tanishq, Mia & Zoya Purchases | ₹6,000 | 7.5% valueback (30 Reward Points per ₹100, max 10,000 pts/quarter) | — | ₹10,000/quarterly | Calculating... | Under cap |
| Titan, Fastrack, Sonata, Eyeplus, Skinn, Taneira & IRTH | ₹6,000 | 5% valueback (20 Reward Points per ₹100, max 10,000 pts/quarter) | — | ₹10,000/quarterly | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 3 Reward Points per ₹100 spent (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹2,999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Fee Structure: ₹2,999 + GST joining fee and ₹2,999 + GST annual renewal fee. Annual fee is waived on spending ₹3,00,000 in eligible retail purchases in the previous card year. Welcome Gift: ₹3,000 Titan gift voucher credited upon payment of the joining fee within 60 days. Titan Ecosystem Cashback: 7.5% cashback on purchases at Titan, Fastrack, Sonata, and Mia. 5% cashback on Mia, CaratLane, and Zoya. 3% cashback on Tanishq purchases, capped at ₹10,000 cashback per calendar quarter. Base Rewards: 6 Reward Points per ₹100 spent on all other non-Titan eligible retail purchases (1 Reward Point = ₹0.25 = 1.5% return). Milestone Rewards: ₹5,000 Titan gift voucher on ₹5 Lakh annual spends; additional ₹10,000 Titan voucher on reaching ₹10 Lakh annual spends. Domestic Lounges: 8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter). International Lounges: 4 complimentary international airport lounge visits per calendar year via Priority Pass (maximum 2 visits per quarter). Exclusions: Fuel transactions, wallet loads, rent, educational services, and government payments earn zero rewards.
Evaluate whether this card's perks and waiver threshold justify its ₹2,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Titan SBI Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official SBI Card portal with paperless verification.
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