If you spend Rs. 1 Lakh each on Tanishq and Caratlane in a quarter, you can save Rs. 3,000 on Tanishq and Rs. 5,000 on Caratlane. Savings of Rs. 8,000 on total spends of Rs. 2 Lakh may look like a small number but since most cards do not offer any value-back on these categories, putting such spends on the Titan card makes sense. Cashback of 7.5% across other brands is also higher than what other co-branded cards would offer on the associated platforms. However, an important point to consider here is that Titan Eye+, Fastrack, Skinn, etc. are not everyday brands and you may not be able to earn a maximum cashback of Rs. 10,000 every quarter, as you would have to spend around Rs. 1.30 Lakh per quarter on these brands. Reward rate of 1.5% across all other spends is decent for a co-branded card. However, unlike other cards that offer multiple redemption options across cash, product catalogue, etc., here the rewards can be redeemed only as Titan vouchers, which could be limiting for some users.
SBI Cards
Titan SBI Credit Card
Shopping
Co-branded
Reward Points
1st Year Fee: ₹2,999* Plus Applicable Taxes
Shopping
Up to 7.5% value-back on Titan Group brands
Rewards
6 reward points per Rs. 100 spent
Lounge Access
Domestic & international visits every year
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About Titan SBI Credit Card
In its first co-branded card partnership, Titan launched the Titan SBI Credit Card in March 2024. Available at an annual fee of Rs. 2,999, the card provides good value across all categories but the standout feature is its accelerated value-back on gold and jewellery purchases through Titan-owned brands- Tanishq, Zoya, Caratlane and Mia. Where most credit cards have excluded gold and jewellery spends from their rewards program, getting up to 5% cashback on these spends could be quite valuable for consumers who spend a considerable amount on this category.
Additionally, it offers accelerated value-back on other Titan-owned brands including Taneira, Titan Eye+, Fastrack, Helios, Skinn, Sonata, Irth and World of Titan. Most of these brands do not belong to the ‘everyday spends’ category.
Rewards Program
- 3% value-back as gift vouchers on spends at Tanishq (quarterly capping: Rs. 25,000)
- 5% cashback on spends at Mia/Caratlane/Zoya (quarterly capping: Rs. 10,000)
- 7.5% cashback on spends at other Titan group brands- World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata (quarterly capping: Rs. 10,000)
- 6 reward points per Rs. 100 spent on all other categories outside Titan spends (Up to 6000 reward points)
- 6 reward points per Rs.100 spent for UPI Payments at participating Titan Stores
- Value of 1 reward point = Rs. 0.25, redeemable against Titan vouchers
Other Features & Benefits
- Card Activation Benefits: 12,000 reward points worth Rs. 3,000 on payment of the joining fee
- Renewal Benefit: Annual fee reversal on spends of Rs. 3 Lakh
- Milestone Benefits:
- Additional Rs. 5,000 worth benefits on annual spends of Rs. 5 Lakh
- Additional Rs. 10,000 worth benefits on annual spends of Rs. 10 Lakh
- Lounge Access:
- 8 complimentary domestic airport lounges access in a year (2 per quarter)
- 4 complimentary international airport lounges in a year , (2 per quarter, complimentary for first two years)
- Complimentary Priority Pass Membership
Titan SBI Credit Card: Fees and Charges
| Fee Type | Amount | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 2,999 | ||||||||||||||
| Annual Fee | Rs. 2,999 | ||||||||||||||
| Finance Charges | 3.5% p.m. | 42% p.a. | ||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You frequently spend on gold and jewellery purchases with your credit card
Your existing credit cards excludes gold/ jewellery spends from rewards program
You already own another card for better rewards on everyday spends
You like making frequent purchases at Titan group owned brands
Other Credit Cards (similar fee):
HDFC Regalia Gold Credit Card
SBI Card Prime
IDFC FIRST Select Credit Card
Paisabazaar Review
What do we like about this card?
The card compensates for the joining fee charged by providing reward points worth Rs. 3,000. Also, with the accelerated benefit targeted towards brands like Tanishq, Mia, Caratlane, Zoya, Taneira, etc., the fee waiver criteria of Rs. 3 Lakh is easily achievable. For instance, a user spending around Rs. 75,000 per quarter for their jewellery purchase can easily meet the fee waiver criteria, in addition to earning up to 7.5% cashback on the quarterly spends. Additionally, where most co-branded credit cards (except those belonging to the travel segment) come with basic lounge access features,this card features much more in this category
Pros
- Cashback on jewellery & gold purchases (which are generally excluded from other cards’ rewards program)
- Good return of up to 7.5% on Titan Group brands
- Milestone benefits worth Rs. 15,000
- Decent return on non-Titan spends
- Complimentary domestic and international airport lounge access
Cons
- Accumulated rewards can be redeemed only across Titan vouchers
- No accelerated reward points on everyday categories like dining, groceries or general online shopping
- No travel benefits (apart from lounge access), which is generally provided on credit cards in its price range (Rs. 2,999)
Conclusion
With four different jewellery brands in the list, the card offers users more opportunities to explore options, make purchases, and earn value-back. Unlike most cards where the return is credited monthly, this card keeps it capped quarterly. On non-Titan brands, you get 1.5% value back in the form of reward points, redeemable against Titan vouchers—reaffirming the card’s co-branded identity. While this partnership is advantageous for individuals making frequent high-end purchases, it may not suit those seeking savings on everyday expenses like groceries, dining, or general online spending. So if you are looking to save on practical everyday categories, this card may not be the right choice. In comparison to other credit cards, which keep the spend threshold comparatively lower for the milestone benefits, this card keeps it quite high at Rs. 5 lakh and Rs. 10 lakh. This further indicates that the benefits can be maximized by those who like making big-ticket purchases via their credit card frequently and, in this case, preferably on the partnered Titan brands.
Frequently Asked Questions
Everything you need to know about this credit card
Most benefits on the card are provided on in-store purchases. SBI Card has not given clarity on whether online spends with these brands would be equally rewarded.
The income and other requirements to avail this credit card are at SBI Card’s discretion. However, a general requirement is that applicants must be aged between 18 and 60 years.
No, there are no charges for linking UPI apps or making UPI-linked transactions via the Titan SBI Credit Card. For UPI-linked transactions at participating Titan stores, card users earn 6 reward points per Rs 100 spent.
The card is available on RuPay and Visa networks.
No, customers will not get any rewards points, cashback, or gift vouchers against the payment of the Plan of Purchase.
All vouchers can be redeemed only at participating Titan Stores. The jewellery vouchers can be redeemed only at select jewelry stores: Tanishq, Mia, or Zoya stores. But other brands e-vouchers can be redeemed at both retail stores and websites at partner Titan brands—World of Titan, Taneria, Eyeplus, Skinn, Fastrack, Helios, or Irth stores. For Eyeplus, redemption of e-vouchers is only applicable at stores.
Footnotes
- Excluded categories from reward program- Fuel, wallet upload, property rental and utility spends.
- No benefits are offered on transactions with value less than Rs 100.
- For spends made on Tanishq, you will get gift vouchers instead of direct cashback, which can be used on Tanishq.
- For spends made on other Titan brands, the cashback is auto-credited within 5 days of the next statement generation.
- Under Milestone Benefit, cardholders can choose to opt for either Titan Jewellery e-Voucher or Titan other brands e-vouchers.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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