Jewellery and watches are categories where most credit cards earn nothing special, and this card is built exactly for them. Titan's non jewellery brands return 7.5% cashback, Mia, CaratLane and Zoya return 5%, and Tanishq returns 3% as gift vouchers, each with quarterly caps that still allow large planned purchases to earn well. The welcome benefit of 12,000 reward points worth Rs 3,000 offsets the first year fee in full.
Away from Titan, the card earns 6 reward points per Rs 100 worth Rs 0.25 each, a 1.5% return best spent on Titan vouchers. It also includes 8 domestic and 4 international lounge visits a year, gift vouchers of Rs 5,000 and Rs 10,000 at Rs 5 lakh and Rs 10 lakh of annual spends, and a fee waiver at Rs 3 lakh. The card is available on both RuPay and Visa.
Annual Fee (+ 18% GST)₹2,999 (₹3,539 incl. GST)
Fee Waiver₹3,00,000 annual spend
Joining Perk12,000 Reward Points worth Rs 3,000 on payment of the joining fee
Primary Reward7.5% 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, and 6 Reward Points per Rs 100 on other spends (1 point = Rs 0.25)
Airport Lounge Access8 complimentary domestic lounge visits a year (maximum 2 per quarter) and 4 complimentary international lounge visits a year through Priority Pass (maximum 2 per quarter)
Forex Markup3.5% + 18% GST
RuPay UPIYes — RuPay UPI enabled
Best ForTitan group loyalists planning watch, eyewear or jewellery purchases at Titan, Tanishq, Mia, CaratLane or Zoya
What We Like
7.5% cashback at Titan watches, eyewear and fashion brands
5% cashback at Mia, CaratLane and Zoya, and 3% value back at Tanishq
8 domestic and 4 international lounge visits a year included
Watch Out
Best returns are locked to Titan group brands with quarterly caps
Base reward points are worth only Rs 0.25 each
No reward points on utility bill payments
MITC & Hidden Charges
Titan brand cashback is capped per quarter: Rs 10,000 on non jewellery Titan brands, Rs 10,000 on Mia, CaratLane and Zoya combined, and Rs 25,000 on Tanishq gift vouchers. Tanishq Golden Harvest Scheme transactions are excluded from the 3% value back. No reward points are earned on fuel, wallet uploads, rent and utility payments. Reward Points are worth Rs 0.25 each and expire 24 months after they are earned.
What do I earn at Tanishq with the Titan SBI Card?
3% of your spend back as Titan gift vouchers, capped at Rs 25,000 per quarter. Golden Harvest Scheme transactions are excluded.
Is the annual fee waived?
Yes. The Rs 2,999 renewal fee is waived on annual spends of Rs 3,00,000 in the card membership year.
Is the Titan SBI Card available on RuPay?
Yes. The card is issued on both RuPay and Visa networks, and the RuPay variant can be used for UPI payments.
Alternatives to Consider
Tata Neu Infinity HDFC RuPay
HDFC Bank
The gold standard for RuPay UPI QR payments.
89/100✓ MITC verified
Annual Fee₹1,499 + GST
RewardUp to 10% NeuCoins on Tata Neu App spends (5% base + 5% NeuPass on select categories) + UPI earns 0.5% via any UPI ID and 1.5% via a Tata Neu UPI ID (capped at 500 NeuCoins per month)
Lounge8 domestic + 4 international lounge visits per year; domestic access is milestone-voucher based from 10 Jun 2025 (2 vouchers per quarter, only on ₹50,000 spends in that quarter)