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STATE BANK
7.5% across the Titan brand group, 3% on Tanishq, and 1.5% on everything else
One-time
Waived on ₹3,00,000/yr
Uncapped rewards
Score 750+
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from STATE BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromOnline shopping
No published ceiling on this tier
Everything else
No published ceiling on this tier
The 7.5%, 5% and 3% rates apply only inside the Titan brand group. Everything else earns the 6-point base rate. All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
7.5% on Online shopping — World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata., with no stated cap.
Biggest limitation
The 7.5%, 5% and 3% rates apply only inside the Titan brand group. Everything else earns the 6-point base rate.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
7.5%
uncappedOnline shopping
World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata.
6 pts
uncappedEverything else
1.5% back. Excludes fuel, wallet uploads, rent and utilities.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹3,539 | — |
| Annual / renewal fee | ₹3,539 | Rs. 2,999 + taxes annual fee reversed on annual spends of Rs. 3,00,000 |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | Slab-based on the total amount due, from nil below Rs. 500 up to Rs. 1,300 above Rs. 50,000, as published in SBI Card's MITC | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹3,00,000 a year
is what it takes to keep the ₹3,539 fee off — about ₹25,000 a month
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
3
spend thresholds you can reach again each year
No welcome benefit is recorded.
Spend ₹0 a year — about ₹0 a month
Annual fee reversal on annual spends of Rs. 3,00,000
Spend ₹1 a year — about ₹0 a month
A gift voucher worth Rs. 5,000 on annual spends of Rs. 5,00,000
Spend ₹0 a year — about ₹0 a month
A gift voucher worth Rs. 10,000 on annual spends of Rs. 10,00,000
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
STATE BANKSBI Card Unnati₹589
STATE BANKReliance SBI Card₹589
STATE BANKIRCTC SBI Card Premier₹590
STATE BANKTata Neu Plus SBI Credit Card₹589
Suryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177
IDFC BANKIDFC FIRST Mayura Credit Card₹7,079| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Titan SBI Card · this card | ₹3,539 | 7.5% online shopping | Included |
| SBI Card Unnati | ₹589 | Up to 1 reward points per ₹100 | No |
| Reliance SBI Card | ₹589 | Up to 5% cashback | No |
| IRCTC SBI Card Premier | ₹590 | Up to 10% rewards | No |
| Tata Neu Plus SBI Credit Card | ₹589 | Up to 5% back | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹3,539 plus GST, waived on ₹3,00,000 of annual spend.
The strongest published rate is 7.5% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. The issuer publishes no additional spend condition for this card's lounge access.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The 7.5%, 5% and 3% rates apply only inside the Titan brand group. Everything else earns the 6-point base rate. Fuel, wallet uploads, rent and utilities earn no Reward Points at all. The 7.5%, 5% and 3% rates apply only inside the Titan brand group. Everything else earns the 6-point base rate. Fuel, wallet uploads, rent and utilities earn no Reward Points at all. The 7.5%, 5% and 3% rates apply only inside the Titan brand group. Everything else earns the 6-point base rate. Fuel, wallet uploads, rent and utilities earn no Reward Points at all.
Redeemed as Titan group gift vouchers, Redeemed from the SBI Card rewards catalogue, Redeemed as statement credit
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
7.5% back on World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata; 5% on Mia, CaratLane and Zoya; and 3% value back on Tanishq, paid as gift vouchers. Those are among the highest named-brand rates in our catalogue, and the brand list is wide enough to cover watches, eyewear, clothing and jewellery.
6 Reward Points per Rs. 100, which is 1.5% at SBI's published Rs. 0.25 a point. That is one of the strongest general rates on any SBI card here — most of the range pays a fraction of a percent outside its named categories. Fuel, wallet uploads, rent and utilities are excluded.
Yes, at Rs. 3,00,000 of annual spending — about Rs. 25,000 a month. Below that the Rs. 2,999 plus taxes, which is Rs. 3,539, is payable. The 12,000-point welcome gift is stated as worth Rs. 3,000, so the first year nearly covers itself regardless.
Rs. 0.25. SBI states the 12,000-point welcome gift as worth Rs. 3,000, which is where that figure comes from, and it is what turns the headline 6 points per Rs. 100 into a 1.5% return that can be compared against a cashback card.
Annual spending of Rs. 3,00,000 reverses the annual fee, Rs. 5,00,000 earns a gift voucher worth Rs. 5,000, and Rs. 10,00,000 earns one worth Rs. 10,000. The second and third are real money but need Rs. 42,000 and Rs. 83,000 a month respectively.
Eight domestic and four international airport lounge visits a year. That is a full allowance for a card at this fee, and it is worth weighing against the Titan rates when deciding — for a household that buys jewellery once a year, the lounge visits may be worth more than the 7.5%.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
