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LifestylePremiumVisa✦ Titan

Titan SBI Card

Annual fee₹2,999Waived on ₹3.0L spend
Rewards1.50%Assumes 1 Reward Point = Rs 0.25, derived from issuer's stated equivalences (12,000 RP = Rs 3,000; 6,000 RP = Rs 1,500). RP redeemable only for exclusive Titan Vouchers (Titan Jewellery e-Voucher or Titan other-brands e-vouchers) via SBI Card; accumulate for 24 months.
Forex markup3.5%3.5% on all foreign currency transactions
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Independent comparison platform. Not affiliated with State Bank of India. Full disclaimer

Welcome benefits

worth ₹3,000

12,000 Reward Points worth ₹3,000 on payment of Annual Fees

Type
Reward Points
Trigger
Payment Of Annual Fee

Rewards

Base earn rate

6 Reward Points per ₹100 on all other categories outside Titan spends

Excludes: Fuel, Wallet Upload, Property Rental, Utilities

Redemption options

Titan VouchersCard outstanding paymentReward Catalogue
  • • Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
  • • Redemption fee: ₹99

Milestone benefits

  • Spend Based Reversal on spends of ₹3,00,000
  • Gift Voucher on spends of ₹5,00,000
  • Gift Voucher on spends of ₹10,00,000

Lounge access

Domestic

8visits / year

  • Max 2 per quarter
Visa Lounge Program

International

Priority Pass

—complimentary visits

    Fees & charges

    Joining fee
    ₹2,999 + taxes
    Annual / renewal fee
    ₹2,999 + taxes from second year onwards
    Annual fee waiver
    On ₹3.0L spend
    Add-on card fee
    Nil
    Interest rate
    Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
    Interest-free period
    50 days
    Cash advance fee
    2.5% of transaction amount (subject to a minimum of ₹500)
    Overlimit fee
    2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
    Payment dishonour
    In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
    Forex markup
    3.5% on all foreign currency transactions
    DCC markup
    3.50%
    Reward redemption
    ₹99 per redemption
    Fuel surcharge
    1% waiver, max ₹100/cycle

    Late payment

    Outstanding amountLate fee
    ₹0 – ₹100₹0
    ₹101 – ₹500₹100
    ₹501 – ₹1,000₹500
    ₹1,001 – ₹10,000₹750
    ₹10,001 – ₹25,000₹950
    ₹25,001 – ₹50,000₹1,100
    Above ₹50,001₹1,300
    View official MITC →

    Eligibility

    Age
    18+ years

    Required documents

    • KYC documents

    Features

    Additional features

    • Easy Bill Pay Facility for utility bills

    No rewards on

    Fuel · Wallet Upload · Property Rental · Utilities

    Is this card worth it for you?

    ₹10,000₹5,00,000
    0% of spend100% of spend
    0% of spend100% of spend

    Remaining 65% of spend earns the 1.5% base rate.

    Rewards / year

    ₹18,000

    ≈ 3.00% effective

    Annual fee

    ₹0 (waived)

    waived at ₹3,00,000/yr spend

    Net steady-state return

    +₹18,000/year

    Strong fit at this spend

    At ₹50,000/month, rewards outrun the fee by ₹18,000 a year.

    View OfferTalk to OnePaisa

    One-time welcome benefit: ~₹3,000 — Welcome gift of 12,000 Reward Points worth Rs 3,000, credited within 60 days post payment & realisation of joining fee.

    Based on published rates as of 2026-08-07; assumes 1 Reward Point = Rs 0.25, derived from issuer's stated equivalences (12,000 RP = Rs 3,000; 6,000 RP = Rs 1,500). RP redeemable only for exclusive Titan Vouchers (Titan Jewellery e-Voucher or Titan other-brands e-vouchers) via SBI Card; accumulate for 24 months.. Rewards estimates, not guarantees.

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