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Titan SBI Credit Card
Titan SBI Credit Card is a jewellery-shopper's card built for a very specific use case — the accelerated value-back on purchases at Tanishq, CaratLane, Mia, and Zoya is the entire pitch, and the ₹2,999 fee only pays for itself if a cardholder actually shops those brands regularly. The welcome point bundle alone offsets the joining fee, but the card offers little beyond its jewellery-focused reward structure.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 730+ whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 8 complimentary domestic lounge visits per year
- International lounge access: 4 complimentary international lounge visits per year
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 730
- Minimum monthly income: ₹35,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- 12,000 bonus reward points, worth roughly ₹3,000, credited once the joining fee is paid — enough to cover the fee outright
- Up to 5% value-back on purchases at Tanishq, CaratLane, Mia, and Zoya, Titan's owned jewellery and watch brands
Pros
- + Strong ~5% value-back at Tanishq, CaratLane, Mia, and Zoya
- + Large 12,000-point welcome bundle that effectively covers the joining fee
- + Annual fee waived on ₹3 lakh yearly spend
Cons
- − High fee for a card whose value is concentrated in a single retailer group
- − Unremarkable base reward rate on spend outside Titan's brands
- − No lounge access or travel benefits
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