M16S / State Bank of India (SBI Card) / Titan SBI Card
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Titan SBI Card
The Titan SBI Card costs Rs 2,999 a year, waived if you spend Rs 3,00,000 in a year. Its base return is 1.5% (6 RP per Rs 100 on all categories outside Titan spends). The forex markup is 3.5%. Lounge visits in India: 8 per year, max 2 per quarter. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 2,999+ GST
- Fee waived at
- Rs 3,00,000annual spend
- Base return
- 1.5%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on sbicard.comOpens the bank’s own page.
Fees
| Joining fee | Rs 2,999 |
|---|---|
| Annual fee | Rs 2,999 |
| Annual spend that waives the fee | Rs 3,00,000 |
| Fee notes | Annual fee Rs 2,999, renewal Rs 2,999 from second year; renewal fee reversed on Rs 3 lakh annual spend. Add-on card free. |
Rewards
| Welcome benefit | 12,000 RP (worth Rs 3,000) on payment of annual fee |
|---|---|
| Reward currency | Reward Points plus cashback at Titan brands |
| Base earn | 6 RP per Rs 100 on all categories outside Titan spends |
| Base return | 1.5% |
| Point value | 1 RP = Rs 0.25; redeemable against Titan vouchers or card outstanding (4 RP = Re 1) |
| Accelerated earn | 7.5% cashback at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata; 5% cashback at Mia, CaratLane and Zoya; 3% value back as gift vouchers at Tanishq (quarterly caps apply) |
| Capsunverified | Per quarter: Rs 10,000 cashback on the 7.5% and 5% tiers; Rs 25,000 on Tanishq vouchers |
| Spends that earn nothing | Fuel, wallet upload, property rental, utilities |
| Points expiry | 24 months |
| Milestone benefits | Renewal fee reversed at Rs 3 lakh annual spend; Rs 5,000 gift voucher at Rs 5 lakh and a further Rs 10,000 at Rs 10 lakh annual spend (redeemable only at exclusive Titan stores) |
| Reward notes | base_return_pct = 6 RP per Rs 100 x Rs 0.25, both stated on the issuer page. |
Travel and perks
| Domestic lounge | 8 per year, max 2 per quarter |
|---|---|
| International lounge | 4 per year, max 2 per quarter (Priority Pass membership complimentary for first 2 years) |
| Lounge conditions | Domestic visits under the Visa lounge programme per the page. Domestic lounge list restricted to issuer Set B from 10 Jan 2026 (issuer lounge PDF). |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on fuel txns up to Rs 3,000, cap Rs 100 per statement cycle |
| Other freebies | Priority Pass membership for first 2 years |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026) |
| Cash advance fee | 2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one |
| Fine-print notes | Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. No value conflicts with the earlier aggregator fields. The page says 'quarterly cap applicable' on the Titan-brand cashback tiers without figures, so reward_caps (Rs 10,000 / Rs 25,000 per quarter) is still the aggregator's. Network (RuPay) is still the aggregator's; the page only refers to the 'Visa Lounge Program'. The rendered page also carries two lines left over from another card's template ('10 Reward Points per Rs. 100 spent on Chemist, Pharmacy, Sports, Dining and Movies' and '2 Reward Points per Rs. 100 on all other spends', next to a balance-transfer line naming SBI Card PULSE); these were ignored in favour of the Titan-specific '6 Reward Points per Rs. 100'. Page footer: information 'correct as per July 2023'. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST. |
Questions
- What is the annual fee of the Titan SBI Card?
- Rs 2,999 a year, before GST. It is waived if you spend Rs 3,00,000 in a year.
- Does the Titan SBI Card give airport lounge access?
- Yes. In India: 8 per year, max 2 per quarter. Outside India: 4 per year, max 2 per quarter (Priority Pass membership complimentary for first 2 years). Conditions: Domestic visits under the Visa lounge programme per the page. Domestic lounge list restricted to issuer Set B from 10 Jan 2026 (issuer lounge PDF).
- What is the forex markup on the Titan SBI Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Titan SBI Card?
- Fuel, wallet upload, property rental, utilities