Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Annual and renewal fee₹2,999 + applicable taxesView source
The issuer page lists ₹2,999 annual and renewal fees.
- Source
- Titan Card official product page
- Page / section
- Credit Card Fees and Charges
- Accessed
- 1 Sept 2026
- Confidence
- high
Renewal-fee reversalRenewal fee reversed on annual spends of ₹3 lakhView source
The issuer states spend-based reversal at ₹3 lakh annual spend.
- Source
- Titan Card official product page
- Page / section
- Exclusive privileges
- Accessed
- 1 Sept 2026
- Confidence
- high
NetworkVisaView source
The product page links the Visa Lounge Programme terms.
- Source
- Titan Card official product page
- Page / section
- Visa lounge programme
- Accessed
- 1 Sept 2026
- Confidence
- medium
Income eligibilityNo universal rupee minimum-income threshold is published; SBI Card lists regular income as a basic criterion and may request income evidenceView source
The issuer publishes regular income but no universal rupee minimum.
- Source
- Card online application eligibility
- Page / section
- Eligibility
- Accessed
- 1 Sept 2026
- Confidence
- high
EligibilityAge 21–70; salaried or self-employed; regular income; good credit profile; issuer approval.View source
Age 21–70; salaried or self-employed; regular income; good credit profile; issuer approval.
- Source
- Titan Card — official eligibility and network details
- Page / section
- Application guidelines / card network
- Accessed
- 1 Sept 2026
- Confidence
- high
Monthly finance chargeUp to 3.75% per month for unsecured cardsView source
The current publishes a maximum 3.75% monthly finance charge for unsecured cards.
- Source
- Card Most Important Terms and Conditions
- Page / section
- Extended Credit — Finance Charges
- Accessed
- 1 Sept 2026
- Confidence
- high
Maximum annual finance chargeUp to 45% per annum for unsecured cardsView source
The issuer states 3.75% per month, equivalent to 45% per annum, for unsecured cards.
- Source
- Card Most Important Terms and Conditions
- Page / section
- Extended Credit — Finance Charges
- Accessed
- 1 Sept 2026
- Confidence
- high
Foreign-currency markup3.5% dynamic-currency-conversion fee under the current MITC general ruleView source
The lists a 3.5% dynamic-currency-conversion fee for cards outside its named lower-markup exceptions.
- Source
- Card Most Important Terms and Conditions
- Page / section
- Dynamic currency conversion fee
- Accessed
- 1 Sept 2026
- Confidence
- medium
Rewards6 Reward Points per ₹100 on other eligible categories; Titan-brand rewards and exclusions apply to partner-defined merchant categoriesView source
The issuer page publishes six points per ₹100 outside Titan spends and lists excluded categories.
- Source
- Titan Card official product page
- Page / section
- Exclusive privileges — rewards
- Accessed
- 1 Sept 2026
- Confidence
- high
Cashback / value back3% value back at Tanishq; 5% cashback at Mia, CaratLane and Zoya; up to 7.5% cashback at listed Titan brands, with quarterly capsView source
The issuer page publishes the three partner-category value-back rates and notes quarterly caps.
- Source
- Titan Card official product page
- Page / section
- Exclusive privileges — Titan brand value back
- Accessed
- 1 Sept 2026
- Confidence
- high
Offers and milestones12,000 welcome points worth ₹3,000; ₹5,000 voucher at ₹5 lakh annual spend; ₹10,000 voucher at ₹10 lakh annual spend; renewal fee reversed at ₹3 lakhView source
The issuer page publishes the welcome points, spend milestones and fee reversal.
- Source
- Titan Card official product page
- Page / section
- Key benefits and Explore Rewards
- Accessed
- 1 Sept 2026
- Confidence
- high
Airport-lounge access8 complimentary domestic and 4 complimentary international airport-lounge visits per year, maximum 2 per quarterView source
The issuer page publishes eight domestic and four international visits with a two-per-quarter maximum.
- Source
- Titan Card official product page
- Page / section
- Exclusive privileges — lounge access
- Accessed
- 1 Sept 2026
- Confidence
- high
Benefits and features
- 12,000 reward points worth ₹3,000 on annual-fee payment
- Annual-fee reversal at ₹3 lakh annual spend
- ₹5,000 Titan voucher at ₹5 lakh spend and ₹10,000 voucher at ₹10 lakh spend
- 3% value back at Tanishq; 5% cashback at Mia, CaratLane and Zoya; up to 7.5% cashback at listed Titan brands
- 6 Reward Points per ₹100 on other eligible categories; fuel, wallet, property-rental and utilities transactions excluded
- 8 domestic and 4 international airport-lounge visits per year, maximum 2 per quarter
- Priority Pass membership complimentary for the first 2 years
- 1% fuel-surcharge waiver on fuel transactions up to ₹3,000, capped at ₹100 per statement cycle
Eligibility
- Card basic criteria are age 21–70, salaried or self-employed occupation, regular income and good credit profile; final approval is assessed by Card.
- The reviewed issuer sources do not publish a universal rupee minimum-income threshold.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Card
- Aadhaar Card with first 8 digits masked or another valid government address proof
- Income or employment evidence when requested
- Recent photograph when requested
Related official documents
SBI Card current credit-card application catalogueofficial-product-catalogue · current · accessed 1 Sept 2026
↗SBI Card online application eligibility and document requirementsofficial-eligibility-page · current · accessed 1 Sept 2026
↗SBI Card Key Fact Statementkey-fact-statement · current · accessed 1 Sept 2026
↗SBI Card Most Important Terms and Conditionsmost-important-terms-and-conditions · current · accessed 1 Sept 2026
↗Titan SBI Card official product pageofficial-product-page · current · accessed 1 Sept 2026
↗Titan SBI Card terms and conditions bookletofficial-product-terms · current · accessed 1 Sept 2026
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