Titan SBI Card
SBI Card · Checked 2026-10-09
Titan SBI Card is a paid card focused on shopping rewards, airport lounge access and reward points, charging ₹2,999 annually before GST.
CardIQ editorial view
Our take
Titan SBI Card is a paid card focused on shopping rewards, airport lounge access and reward points, charging ₹2,999 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise airport lounge access.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 6 points per ₹100 on eligible purchases outside Titan brands.
- Tanishq returns value as vouchers rather than unrestricted cashback.
- Up to 8 domestic and 4 international lounge visits yearly, with quarterly limits.
Trade-offs to understand
- Up to 7.5% cashback at listed Titan brands, with brand-specific rates and quarterly caps.
- Up to 8 domestic and 4 international lounge visits yearly, with quarterly limits.
- The ₹2,999 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 6 points per ₹100 on eligible purchases outside titan brands valuable enough to clear the fee. Factor in this condition: Up to 7.5% cashback at listed Titan brands, with brand-specific rates and quarterly caps.
Compare before deciding
- AU Vetta — A similarly priced alternative for comparing shopping rewards and reward points.
- Axis Bank SELECT — A higher-fee option to compare for broader benefits around shopping rewards and reward points.
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Benefits, limits and conditions
- Up to 7.5% cashback at listed Titan brands, with brand-specific rates and quarterly caps.
- Tanishq returns value as vouchers rather than unrestricted cashback.
- Up to 8 domestic and 4 international lounge visits yearly, with quarterly limits.