State Bank of India

Titan SBI Card

Data last verified: 11 October 2026

RewardsVISAPriority Pass

Joining fee₹2,999 + GST
Annual fee₹2,999 + GST
Reward rate1.5% on most spends

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Joining fee₹2,999 + GST
Annual fee₹2,999 + GST
Fee waiverOn ₹3 lakh spend a year
Forex markup3.5%

01Titan SBI Card Rewards and Benefits

Rewards rate: 1.5% on most spends
Fee waived on: ₹3 lakh spend a year
Reward redemption: Not published
Dining: 1.5% back (the normal rate)
Travel: 1.5% back (the normal rate)
Golf: Not included
Domestic lounge: 8 visits a year
International lounge: 4 visits a year
Insurance benefits: Not included

02Titan SBI Card Annual Fee and Charges

Joining fee: ₹2,999 + GST
Annual fee: ₹2,999 + GST
Spend-based waiver: Annual fee waived on ₹3 lakh spend in a year (rent and wallet loads not counted)
Rewards redemption fee: Nil
Forex markup: 3.5%
Interest rate: Not published
Fuel surcharge waiver: Yes
Card replacement: Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

₹20,000 on everything else, earning 1.5%₹300
Back each month, ₹3,600 a year₹300
Annual fee with 18% GST−₹3,539
In your pocket each year₹61

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

Spending ₹25,000 or more a month: the ₹3,539 fee is waived
Flyers: 12 airport lounge visits a year

Skip it if…

you spend less than ₹25,000 a month (₹3,00,000 a year, rent and wallet loads not counted): the ₹3,539 fee is then charged
you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
you spend a lot on fuel, utility bills, rent or insurance: the card's terms do not state a rate there, so we count nothing
you often pay in foreign currency: 3.5% is added to every foreign spend

04How Titan SBI Card earns Rewards

1.5% on most spends.

Spend category	Rate	Monthly cap	Where it applies
UPI payments (scan and pay)	Earns nothing	-	a Visa or Mastercard card cannot pay by UPI
Online shopping	1.5%	No cap	The card's normal rate
Dining and food delivery	1.5%	No cap	The card's normal rate
Groceries	1.5%	No cap	The card's normal rate
Travel: flights, hotels, trains	1.5%	No cap	The card's normal rate
Fuel	Not stated	-	the card's exclusions are not published, and many cards pay nothing here
Bills and recharges	Not stated	-	the card's exclusions are not published, and many cards pay nothing here
Rent	Not stated	-	the card's exclusions are not published, and many cards pay nothing here
Insurance premiums	Not stated	-	the card's exclusions are not published, and many cards pay nothing here
School and college fees	Not stated	-	the card's exclusions are not published, and many cards pay nothing here
Wallet top-ups	Not stated	-	the card's exclusions are not published, and many cards pay nothing here
Taxes and government payments	Not stated	-	the card's terms state no rate here; many cards pay nothing on these
Spend abroad or in a foreign currency	1.5%	No cap	The card's normal rate
Everything else	1.5%	No cap	The card's normal rate

Listed underRewards cards Premium cards

CardAdvisor tagsReward points

05Titan SBI Card Lounge Access and Travel

Domestic lounge access is 8 visits a year, international is 4 visits a year, through Priority Pass with Priority Pass. Spending abroad carries a 3.5% forex markup; rewards on it: 1.5% back (the normal rate). See what it costs on your trip

Also on the card. fuel surcharge waiver, airport lounge access, milestone bonuses.

06Cards Similar to Titan SBI Card

Titan SBI Card is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	Titan SBI Card	Federal Scapia Credit card	SBI BPCL Credit Card
Joining fee	₹2,999 + GST	Lifetime free	₹499 + GST
Annual fee	₹2,999 + GST	Lifetime free	₹499 + GST
Rewards	1.5% on most spends	2% on most spends; 4% only at partner merchants	0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
Domestic lounge	8 visits a year	Unlimited	Not included
Forex markup	3.5%	0%	3.5%
Type	Rewards	Travel	Fuel

Compare with Federal Scapia Credit card Compare with SBI BPCL Credit Card

07Explore More

All State Bank of India productsEvery card, loan and account from State Bank of India on SkyloFin Rewards credit cardsEvery rewards card, compared All credit cardsFilter by issuer, category and fee Rewards calculatorWhat this card would earn on your spending Interest calculatorWhat carrying a balance really costs Track this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 11 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Never Miss Your Titan SBI Card Bill

The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.

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Common Questions

What is the joining fee for the Titan SBI Card?

The joining fee is ₹2,999 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the Titan SBI Card?

The annual fee is ₹2,999 + GST.

Does the Titan SBI Card give airport lounge access?

Yes. Domestic lounge access is 8 visits a year, international is 4 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with State Bank of India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

Titan SBI CardJoining fee: ₹2,999 + GST

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