Titan SBI Card

Joining ₹2,999 · Annual ₹2,999 · Reversed on ₹3 lakh of annual spends

Fee break-even: ≈₹1,99,933/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns Reward Points · assumed 0.25 ₹/point. 4 points = ₹1 on redemption. The Titan store benefits pay as gift vouchers instead

Verified 13 Aug 2026

Forex markupNot stated, assume 3.5%

Fuel surcharge1% waived between ₹500 and ₹4,000

EMINil on 3 months, then ₹45 at 6, ₹69 at 9, ₹89 at 12, ₹129 at 18 and ₹169 at 24 months, and only on purchases of ₹20,000 or more processing fee · A converted purchase stops earning rewards · Nothing at all to pay on a 3 month plan, and the fee only bites once the purchase reaches ₹20,000. Minimum ₹2,500 to convert.

Milestones

◆ Spend ₹5,00,000 per year → ₹5,000 gift voucher at ₹5 lakh of annual spends Worth ₹5,000

Return by category

Category	Return	Notes
Online spend	1.5%	Base rate
Amazon	1.5%	Base rate
Flipkart	1.5%	Base rate
Subscriptions & OTT	1.5%	Base rate
Offline spend	1.5%	Base rate
UPI spending	0%	No RuPay variant is published, so UPI linking is unavailable
Dining	1.5%	Base rate
Swiggy	1.5%	Base rate
Zomato	1.5%	Base rate
Groceries	1.5%	Base rate
Quick commerce	1.5%	Base rate
Swiggy Instamart	1.5%	Base rate
Blinkit	1.5%	Base rate
BigBasket	1.5%	Base rate
Movies & shows	1.5%	Base rate
BookMyShow	1.5%	Base rate
PVR INOX	1.5%	Base rate
Fuel	0%	Fuel earns nothing
Travel (general)	1.5%	Base rate
Flights	1.5%	Base rate
Hotels	1.5%	Base rate
MakeMyTrip	1.5%	Base rate
IRCTC rail	1.5%	Base rate
International	−2%	1.5% reward − 3.5% forex markup
Utilities & bills	0%	Utilities earn nothing
Rent	0%	Property rental earns nothing
Education fees	1.5%	Base rate
Insurance premiums	1.5%	Base rate
Government & tax	1.5%	Base rate
Wallet loads	0%	Wallet loads earn nothing
Anything else	1.5%	Base rate
Jewellery	3%	3% back as gift vouchers on Tanishq spends, with a quarterly cap in SBI's terms. Mia, CaratLane and Zoya pay 5% as cashback · One of only a handful of cards anywhere that rewards jewellery on purpose

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

Welcome: 12,000 points worth ₹3,000 on paying the annual fee
Up to 7.5% total value back at Titan stores per SBI's own headline

SBI Card Titan SBI CardBest for Tanishq regulars3.8 / 5

What we liked

3% back at Tanishq and 5% at Mia, CaratLane and Zoya, in a market that mostly refuses jewellery
A 1.5% base rate on ordinary spends, high for a co-brand
The 12,000 point welcome effectively refunds the fee

What to mind

The Tanishq benefit pays as gift vouchers with a quarterly cap, not cash
₹2,999 a year against a ₹3 lakh reversal bar
Utilities and rent earn nothing

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.

Spotted an outdated rate?