SBI Card · Mid

Titan SBI Card

Annual fee

₹2,999waived at ₹3,00,000/yr

Forex markup

3.5%

Base earn

1.50%

Best direct earn

normal swipe, portal/voucher excluded

7.50%

Point value

per point, conservative

₹0.25

Lounge

Network

Not published

Titan SBI Card sbicard.com · read 25 Sep 2026
Titan SBI Card T&C (bank PDF) sbicard.com · read 25 Sep 2026

Every figure on this page traces to one of these. Nothing is inferred from a tracker.

Bank-confirmed. Reward figures verified against the issuer’s own website.
Card source: Titan SBI Card - sbicard.com - read 25 Sep 2026.
No affiliate link on this card.

Where it ranks across all 187 cards

#7 Jewellery & watches 3.0% at Tanishq direct #5 EMI 1.5% direct #8 Education 1.5% direct

#12 Insurance 1.5% direct #22 Mobile / broadband 1.5% direct #24 Gaming 1.5% direct #30 Train tickets 1.5% direct #32 Other 1.5% direct #35 Health & pharmacy 1.5% direct #37 Cabs & transit 1.5% direct #40 Electronics 1.5% direct #43 Flights 1.5% direct #44 Hotels 1.5% direct #47 Dining out 1.5% direct #50 Fashion 1.5% direct #51 Online shopping 1.5% direct #51 Groceries 1.5% direct #51 Food delivery 1.5% direct #51 Movies & events 1.5% direct #9 Government / tax 0.7% direct

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Engine value - conservative, what rankings use

₹0.25/pt

1.50%

Vouchers / catalogue

₹0.25/pt

1.50%

Points valued at ₹0.25/pt - conservative, what rankings use

Reward rules4 direct

Base rate - everything not covered below

1.50%base rate

6 pts / ₹100

source

Source: Titan SBI Card - sbicard.com - read 25 Sep 2026

7.5% cashback at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth, Sonata

7.50%this rule

7.5% cashback

40,000 Reward Points (Rs 10,000) per quarter

how it works & source

Also Skinn and Irth stores (not yet separate merchants here).

Source: Titan SBI Card T&C (bank PDF) - sbicard.com - read 25 Sep 2026

3% value back (gift vouchers) at Tanishq

3.00%this rule

3% cashback

100,000 Reward Points (Rs 25,000) per quarter

source

Source: Titan SBI Card T&C (bank PDF) - sbicard.com - read 25 Sep 2026

5% cashback at Mia, CaratLane and Zoya

5.00%this rule

5% cashback

40,000 Reward Points (Rs 10,000) per quarter

source

Source: Titan SBI Card T&C (bank PDF) - sbicard.com - read 25 Sep 2026

Percentages here are each rule's own rate. The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and portal/voucher routes above are shown for completeness but never set it.

₹0 / year

Welcome gift of 12,000 Reward Points worth Rs 3,000 on payment of joining fee

₹3,000estimated value

₹5,00,000 / year

Gift voucher worth Rs 5,000 on Rs 5 lakh annual spend

₹5,000estimated value

₹10,00,000 / year

Gift voucher worth Rs 10,000 on Rs 10 lakh annual spend

₹10,000estimated value

Earns nothing on1 exclusion

Fuel, Wallet load, Rent, Utility bills

earns nothing

No reward points on fuel, wallet upload, property rental or utility bill payments.

→ use IndianOil RBL XTra here (7.5%)

detail & source

categories: Fuel, Wallet load, Rent, Utility bills

Source: Titan SBI Card T&C (bank PDF) - sbicard.com - read 25 Sep 2026

12,000 Reward Points worth ₹3,000

on joining · pay the annual fee

Source: SBI Card - Titan SBI Card benefits - sbicard.com - read 11 Oct 2026

₹3,000value

Rent

SBI Card rent processing fee ₹199 + GST

Bank terms we cannot price for you yet - they depend on something we do not know. Rankings leave them out.

Everyday points capped at 6,000 a month

The 6 points per ₹100 outside Titan stores stop at 6,000 points (₹1,500) a month - about ₹1 lakh of spend. Our everyday rate does not apply this cap yet.

Source: Titan SBI Card T&C (bank PDF) - sbicard.com - read 26 Sep 2026