Titan SBI Card

Charge

• Cash Advance Fee: 2.5% of transaction amount (min ₹500) at domestic and international ATMs.
• Finance Charges: up to 3.75% per month (45% p.a.) for unsecured cards.
• Minimum finance charge ₹25.
• Cash Payment Fee (SBI branches): ₹250 + taxes.
• Cheque Payment Fee: ₹100.
• Payment Dishonor Fee: 2% of payment amount (min ₹500).
• Card Replacement Fee: ₹100-₹250 (₹1,500 for Aurum).
• Emergency Card Replacement (abroad): actual cost (min USD 175 VISA / USD 148 MasterCard).
• Over Limit Fee: 2.5% of overlimit amount or ₹600 whichever higher, once per billing cycle.
• Late Payment Charges: NIL for ₹0-₹500.
• ₹400 for >₹500-₹1,000.
• ₹750 for >₹1,000-₹10,000.
• ₹950 for >₹10,000-₹25,000.
• ₹1,100 for >₹25,000-₹50,000.
• ₹1,300 for >₹50,000.
• Plus additional ₹100 on missing MAD for two consecutive cycles.
• Rewards Redemption Fee: ₹99 (except AURUM).
• Processing Fee on Rent Payment Transactions: ₹199.
• Utility Payments Fee: w.e.f. 1st Dec 2024, 1% of total Utility Payments if total exceeds ₹50,000 in a billing cycle.
• Payment of Customs duty: 2.25% of transaction amount (min ₹75).

Verified · Titan SBI Card – Terms & Conditions (includes Rewards/Program Terms) · 2026-08-02 · source

Interest-free period

• Interest free credit period of 20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full).
• Not applicable if previous month's balance has not been cleared in full or if the Cardholder has availed cash from any ATM.

Verified · Titan SBI Card – Terms & Conditions (includes Rewards/Program Terms) · 2026-08-02 · source

Fuel surcharge waiver

• 1% fuel surcharge (excluding GST) plus all applicable taxes levied on transactions at petrol pumps.
• 1% fuel surcharge waiver (excluding GST) provided for eligible transaction value on select cards.

Verified · Titan SBI Card – Terms & Conditions (includes Rewards/Program Terms) · 2026-08-02 · source

Award example

On quarterly spends of ₹11,00,000 (₹8,00,000 Tanishq + ₹2,00,000 Mia/Caratlane/Zoya + ₹1,00,000 Watches/Eyeplus/Taneira/Skinn), total eligible benefit = ₹24,000 + ₹10,000 + ₹7,500 = ₹41,500.

Verified · Titan SBI Card – Terms & Conditions (includes Rewards/Program Terms) · 2026-08-02 · source

Milestone benefit

• On annual spends of ₹3 Lakh: reversal of annual fee.
• On annual spends of ₹5 Lakh: gift voucher worth ₹5,000.
• On annual spends of ₹10 Lakh: gift voucher worth ₹10,000 (calculated on Retail Spends excluding balance transfer/encash).

Verified · Titan SBI Card – Terms & Conditions (includes Rewards/Program Terms) · 2026-08-02 · source

Redemption value

• Reward Points redeemable only for exclusive Titan Vouchers (Type A Jewellery, Type B Retail, Type C Tanishq Spend).
• Rewards Redemption Fee: ₹99 (applicable only on Gifts, Statement Credit & Specific Vouchers, for all cards except AURUM).
• Reward Points can be accumulated only for a period of 24 months from the date of activity.

Verified · Titan SBI Card – Terms & Conditions (includes Rewards/Program Terms) · 2026-08-02 · source

Reward cap

• 7.5% cashback (World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth, Sonata) capped at 40000 Reward Points or ₹10,000 quarterly.
• 5% cashback (Mia, Caratlane, Zoya) capped at 40000 Reward Points or ₹10,000 quarterly.
• 3% value back at Tanishq capped at 100000 Reward Points or ₹25,000 quarterly.
• 6 RP per ₹100 on other categories capped at 6000 Reward Points or ₹1,500 monthly.

Verified · Titan SBI Card – Terms & Conditions (includes Rewards/Program Terms) · 2026-08-02 · source

Reward exclusion

Verified · Titan SBI Card – Terms & Conditions (includes Rewards/Program Terms) · 2026-08-02 · source

Insurance

• SBI Card offers complimentary lost/stolen card insurance cover on certain cards (provided by ICICI Lombard General Insurance Company Limited or another insurer decided by SBI Card).
• And complimentary Air accident / Personal accident insurance cover on certain credit cards (current insurance company: Oriental Insurance Company Ltd.).

Verified · Titan SBI Card – Terms & Conditions (includes Rewards/Program Terms) · 2026-08-02 · source

Eligibility

Add-on cards can be issued to spouse, parents, siblings and children over 18 years of age.

Verified · Titan SBI Card – Terms & Conditions (includes Rewards/Program Terms) · 2026-08-02 · source