Cards · SBI Card

Titan SBI Card: rewards, caps and exclusions

The Titan SBI Card pays about 7.5% on World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata stores (in store / online), on the first ₹1,33,000 of spend a quarter, and 1.5% on everything else. Below is every rate, cap and exclusion in SBI Card's published terms, as we last checked them on 9 October 2026.

Visa, RuPay₹2,999 a yearPaid in points

What it earns

≈7.5%World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata stores (in store / online)on the first ₹1,33,000 of spend a quarter

≈5%Mia, Caratlane and Zoya stores (in store / online)on the first ₹2,00,000 of spend a quarter

≈3%Tanishq stores (in store / online)on the first ₹8,33,000 of spend a quarter

≈1.5%Everything elseon the first ₹1,00,000 of spend a month

≈ marks a rate paid in points, valued at ₹0.25 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Fuel
Wallet loads
Rent
Utility bills
EMI conversions
Cash withdrawals and fees

What costs extra

Worse than earning nothing: SBI Card charges a fee for these.

1% on Utility Payments Fee, plus GST

Milestones

In SBI Card's own words:

On Annual Spends of ₹5Lacs, Cardholders can avail gift voucher worth ₹5000. → ₹5,000 Titan gift voucher
On Annual Spends of ₹10Lacs, Cardholders can avail gift voucher worth ₹10000. → ₹10,000 Titan gift voucher

Fees

Annual fee: ₹2,999, plus 18% GST
Joining fee: ₹2,999
Annual fee waived on ₹3,00,000 of spend in a card year

Welcome benefit: 12,000 RP worth ₹3,000 (Titan vouchers) on paying the joining fee.

Where this comes from

Transcribed from SBI Card's own documents and checked against them on 9 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with SBI Card's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

Zenidhi reads your SBI Card statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works