How much cashback does the Titan SBI Card give?

You get 7.5% back on World of Titan, Taneira, Titan Eye+, Helios, Fastrack and similar spends, capped at ₹3,333 a month. Other eligible spends earn 6%. On ₹10,000 of spend in the top category that is ₹750 back, so about ₹9,000 a year if you hit it every month. Fuel, Wallet Load, Rent, Utilities earn nothing at all.

Which spends do not earn rewards on the Titan SBI Card?

Fuel, Wallet Load, Rent, Utilities, Insurance, Cash Advance earn nothing on this card. Reward Points earned on general spends are redeemable for Titan Vouchers. Between them these cover a large part of a normal month, so work out your reward rate on eligible spend only, not on your total bill.

What changed on the Titan SBI Card recently and is it still worth it in 2026?

SBI portfolio-wide cuts: 1% wallet/education fees (Nov 2025), expanding MCC exclusions, and Jan 2026 domestic lounge tightening. The changes are dated Nov 2025; Jan 2026. At ₹3L of yearly spend the card returns roughly ₹4,500 at its general rate of about 1.5%, against a ₹2,999 renewal fee. Keep it if you clear the ₹3L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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Card Details

2435 4757 4936 6971

Titan SBI Card

SBIVISA

Monzy Score

6.5/ 10

Good for online shoppers.

Strong ~8% back in its core category; high 3.5% forex markup.

Card Issuer

SBI Card

Joining Fee

₹2,999

Annual Fee

₹2,999

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

See all

Neelkanth: Up to ₹6500 Instant Discount
Exclusive Discounts · till 12 Sep 2026
Pai-International: Up to Rs 16000 Instant Discount at PAI International
Exclusive Discounts · till 13 Sep 2026
Pittappillil: Up to Rs 10000 Instant Discount at Pittappilill Agencies
Exclusive Discounts · till 13 Sep 2026
Myg: Up to Rs 16000 Instant Discount Offer – myG Mobiles
Electronics Deals · till 15 Sep 2026
Amazon: 10% Instant Discount at Amazon
Shopping Deals · till 18 Sep 2026

Earn Points

Off on Mia, Caratlane & Zoya (max ₹3,333/Mo)

7.5%

Off on World of Titan, Taneira, Titan Eye+ Etc (max ₹3,333/Mo)

6pts

/₹100 on All Other Spends (max ₹1,500/Mo)

Pts at Titan/Tanishq/Mia/Zoya

Benefits

Shopping

Up to 7.5% cashback on select Titan brands

Travel

8 domestic + 4 international lounge visits yearly

1% fuel surcharge waiver up to ₹3,000 txn

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, wallet, rent, utilities

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Tanishq spends

3% vouchers at Tanishq, quarterly cap 25000 (~8333/mo).

₹900

Mia / CaratLane / Zoya spends

5% value-back, quarterly cap 10000 (~3333/mo).

₹0

all other (non-Titan) spends

6 RP/100 (1.5%).

₹0

Total Annual Return

₹10,800

3% Effective ROI

What Users Are Saying

Community Feed

Apr 2026

Titan SBINEUTRAL

“Titan SBI credit card”

by r/CreditCardsIndia, Apr 2026

Titan SBINEUTRAL

“SBI TiTan card”

by r/CreditCardsIndia, Jul 2026

Titan SBINEGATIVE

“SBI Titan cashback feels like a scam. Got 1.3k instead of ₹”

by r/CreditCardsIndia, Aug 2025

Titan SBINEUTRAL

“Sbi titan card received how to get free glasses?”

by r/IndianCreditCards, Jul 2026

Titan SBINEUTRAL

“Applied for sbi cashback card and they are relentlessly”

by r/CreditCardsIndia, Jun 2026

Frequently Asked Questions

The Titan SBI Card charges ₹2,999 plus GST as a joining fee and the same ₹2,999 again at renewal. SBI Card waives the renewal fee if you spend ₹3L in the previous year, which is about ₹25,000 a month. If your card spend sits below that, treat ₹2,999 as a real yearly cost that your rewards have to clear first.

Things to Keep in Mind

7.5% value back on select Titan brands is limited at 10,000 Cash Points per quarter.

←

Card Details

2435 4757 4936 6971

Titan SBI Card

SBIVISA

Monzy Score

6.5/ 10

Good for online shoppers.

Strong ~8% back in its core category; high 3.5% forex markup.

Card Issuer

SBI Card

Joining Fee

₹2,999

Annual Fee

₹2,999

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

See all

Earn Points

Off on Mia, Caratlane & Zoya (max ₹3,333/Mo)

7.5%

Off on World of Titan, Taneira, Titan Eye+ Etc (max ₹3,333/Mo)

6pts

/₹100 on All Other Spends (max ₹1,500/Mo)

Pts at Titan/Tanishq/Mia/Zoya

Benefits

Shopping

Up to 7.5% cashback on select Titan brands

Travel

8 domestic + 4 international lounge visits yearly

1% fuel surcharge waiver up to ₹3,000 txn

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, wallet, rent, utilities

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Tanishq spends

3% vouchers at Tanishq, quarterly cap 25000 (~8333/mo).

₹900

Mia / CaratLane / Zoya spends

5% value-back, quarterly cap 10000 (~3333/mo).

₹0

all other (non-Titan) spends

6 RP/100 (1.5%).

₹0

Total Annual Return

₹10,800

3% Effective ROI

What Users Are Saying

Community Feed

Apr 2026

Titan SBINEUTRAL

“Titan SBI credit card”

by r/CreditCardsIndia, Apr 2026

Titan SBINEUTRAL

“SBI TiTan card”

by r/CreditCardsIndia, Jul 2026

Titan SBINEGATIVE

“SBI Titan cashback feels like a scam. Got 1.3k instead of ₹”

by r/CreditCardsIndia, Aug 2025

Titan SBINEUTRAL

“Sbi titan card received how to get free glasses?”

by r/IndianCreditCards, Jul 2026

Titan SBINEUTRAL

“Applied for sbi cashback card and they are relentlessly”

by r/CreditCardsIndia, Jun 2026

Frequently Asked Questions

Things to Keep in Mind

7.5% value back on select Titan brands is limited at 10,000 Cash Points per quarter.

←

Card Details

2435 4757 4936 6971

Titan SBI Card

SBIVISA

Monzy Score

6.5/ 10

Good for online shoppers.

Strong ~8% back in its core category; high 3.5% forex markup.

Card Issuer

SBI Card

Joining Fee

₹2,999

Annual Fee

₹2,999

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

See all

Earn Points

Off on Mia, Caratlane & Zoya (max ₹3,333/Mo)

7.5%

Off on World of Titan, Taneira, Titan Eye+ Etc (max ₹3,333/Mo)

6pts

/₹100 on All Other Spends (max ₹1,500/Mo)

Pts at Titan/Tanishq/Mia/Zoya

Benefits

Shopping

Up to 7.5% cashback on select Titan brands

Travel

8 domestic + 4 international lounge visits yearly

1% fuel surcharge waiver up to ₹3,000 txn

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, wallet, rent, utilities

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Tanishq spends

3% vouchers at Tanishq, quarterly cap 25000 (~8333/mo).

₹900

Mia / CaratLane / Zoya spends

5% value-back, quarterly cap 10000 (~3333/mo).

₹0

all other (non-Titan) spends

6 RP/100 (1.5%).

₹0

Total Annual Return

₹10,800

3% Effective ROI

What Users Are Saying

Community Feed

Apr 2026

Titan SBINEUTRAL

“Titan SBI credit card”

by r/CreditCardsIndia, Apr 2026

Titan SBINEUTRAL

“SBI TiTan card”

by r/CreditCardsIndia, Jul 2026

Titan SBINEGATIVE

“SBI Titan cashback feels like a scam. Got 1.3k instead of ₹”

by r/CreditCardsIndia, Aug 2025

Titan SBINEUTRAL

“Sbi titan card received how to get free glasses?”

by r/IndianCreditCards, Jul 2026

Titan SBINEUTRAL

“Applied for sbi cashback card and they are relentlessly”

by r/CreditCardsIndia, Jun 2026

Frequently Asked Questions

Things to Keep in Mind

7.5% value back on select Titan brands is limited at 10,000 Cash Points per quarter.