Question 1

What is the annual fee on the Titan SBI Card and how do you get it waived?

Accepted Answer

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.

Question 2

How much cashback does the Titan SBI Card give?

Accepted Answer

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.

Question 3

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

Accepted Answer

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.

Question 4

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

Accepted Answer

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.

Card Details

Titan SBI Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind