Titan SBI Card
DowngradeA jewellery card that accidentally opens twelve lounge doors.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 12,000 Reward Points worth ₹3,000, credited within 60 days of joining-fee realisation
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on utilities and fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹20,000 a month
At ₹20,000 a month — ₹2,40,000 a year — on the everyday mix this card returns ₹3,000 gross (earn ₹3,000) against its ₹2,999 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #206
Why #206 Twelve lounge entries a year is a real travel benefit and it is the only one here: the points are a ₹0.25 catalogue currency locked to Titan vouchers, the forex is the full 3.5%, and every rupee of the earn story is about buying a watch.
The take
Nobody applies for a Titan card to fly, which is exactly why it is worth reading here: ₹2,999 buys eight complimentary domestic lounge visits a year and four international Priority Pass entries, and that is more airport than several cards this board ranks above it. Then the travel story stops dead. The Reward Points are SBI's fixed ₹0.25 catalogue currency, they redeem against Titan vouchers, and they reach exactly zero airline or hotel programmes — 6 RP per ₹100 outside Titan is 1.5%, and it dies at ₹1 lakh of spend a month. Foreign currency costs the full 3.5%, so the international lounge you just walked into is being paid for by the markup on the duty-free. Buy it if you buy watches and jewellery at Tanishq and Titan; the lounge quota is a bonus you should enjoy and never plan a trip around.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹2,999/yr at stake · 5 spend bands
The charge ₹2,999/yr
The waiver ₹3,00,000 of spend in the year before renewal — about ₹25,000 a month — and the renewal fee is not charged.
Break-even ₹20,000 a month — ₹2,40,000 a year — is where this card's value crosses its fee.
At your spend
₹800 a year, net of the fee, at ₹3,00,000 of annual spend
₹12,600 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹30,100 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹33,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹33,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
SBI Card publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 3 Aug 2026 SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme issuer-wide
- 31 Mar 2026 SBI kills both Etihad Guest co-brands and force-swaps holders into MILES issuer-wide
- 10 Jan 2026 SBI Card splits domestic lounges into tiers, adds entry fees issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 8 complimentary domestic lounge visits a year (max 2 a quarter) on SBI's 30-room "Set B" list
- 4 complimentary international Priority Pass visits a year (max 2 a quarter), membership free for 2 years
- 7.5% cashback across the Titan watch and eyewear brands, 5% at Mia/CaratLane/Zoya, 3% back at Tanishq
- ₹5,000 and ₹10,000 gift vouchers at ₹5 lakh and ₹10 lakh of annual spend; ₹2,999 renewal reversed at ₹3 lakh
- 12,000 Reward Points worth ₹3,000 as a welcome gift on joining-fee payment
Watch out
- Reward Points are fixed at 4 RP = ₹1 and transfer to NO airline or hotel programme — there is no award seat at the end of this card
- 3.5% foreign-currency markup, SBI's standard rate — Titan is not on the 1.99% list
- Outside-Titan earn is capped at 6,000 Reward Points a month, so the 1.5% rate stops at ₹1 lakh of monthly spend
- Fuel, wallet loads, property rental and utility bills earn nothing at all
- Every accelerated Titan rate is quarterly-capped — ₹10,000 a quarter on the 7.5% and 5% brands, ₹25,000 on Tanishq
- Domestic visits are restricted to SBI's "Set B" list of 30 lounges in 18 cities, not the whole Visa network
- Priority Pass inside India is pay-per-use at US$27 a visit — the complimentary four are for lounges OUTSIDE India only
What these points actually fly
No live transfer route takes SBI Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
11 sourced rules · 5 pay zero
6 Reward Points per ₹100 on everything outside the Titan stores — but §12(5) caps that at 6,000 Reward Points, or ₹1,500, a MONTH, which is ₹1 lakh of spend and the number that decides this card. §11.3(c) is a plain-English category exclusion ("Reward Points are not applicable on Fuel, Wallet upload, Property Rental, Utility bill payments") and §B(1) adds the transaction-type list behind it. Utilities being on that list is unusual and easy to miss.
- Fuel · excluded Zero points — §11.3(c) names Fuel first. The 1% surcharge waiver is a fee reversal and survives
- Rent & property management · excluded Zero points — §11.3(c) calls it "Property Rental"; SBI's MITC identifies it as MCC 6513 and charges ₹199 + taxes per rent transaction on top
- Wallet loads · excluded Zero points — §11.3(c) names "Wallet upload", and §B(1)(vii) pins it to MCC 6540 and 6541 w.e.f. 1 Jul 2020
- Utilities (electricity/water/gas) · excluded Zero points — §11.3(c) names "Utility bill payments" outright, which most SBI cards do not. Worse, SBI's MITC charges 1% on the whole cycle's utility spend (MCC 4900) once it passes ₹50,000, so utilities on this card cost 1% and earn nothing
Does your spend count toward the fee waiver?
not published — and we say which
₹3,00,000 a year is the bar that waives the ₹2,999 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. SBI Card states what the Titan SBI Card earns and does not earn, but has not published which spend categories count toward the fee waiver and the milestones — the ₹3,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
676 of 793 tracked doors
Gate: Set B list w.e.f. 10 Jan 2026 (30 lounges, 18 cities); Priority Pass membership complimentary for 24 months only, and inside India every PP visit is US$27+tax
Opens 676 of 793 tracked lounge doors across 269 airports , via Priority Pass Global — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
SBI Card publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official SBI Card MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
MITC row verbatim: "Titan SBI Card 2,999 2,999 (Waived off on annual spends of Rs.3 Lakh or more in the preceding year)" — joining and renewal are the same number, so there is no separate commencement charge. Add-on cards free. Utility payments above ₹50,000 a cycle attract a 1% fee; rent transactions ₹199 a go. Priority Pass visits inside India are US$27 + taxes each — the four complimentary visits are for lounges OUTSIDE India only.
per the official SBI Card MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programmeSBI Card Travel Credits transferred 1:1 into Etihad Guest, one of eighteen airline partners in §3 of the MILES rewards T&C. At the ₹1/partner-mile anchor that was a full-value exit, and it was the only route left after the two Etihad Guest SBI co-brands were retired. → No Etihad route at all. The MILES rewards T&C now lists seventeen airline partners and Etihad is not one of them — the word does not appear anywhere in the seven-page document. Every other SBI partner survives at the same ratio.
SBI Card's own MILES rewards T&C, re-fetched on 22 August 2026 and carrying a 3 August 2026 ModDate inside the PDF, has one fewer airline in it than the edition this desk read on 2 August. The deletion is provable from the numbering rather than from absence alone: the table's first seven rows are unchanged (Air Canada 3, Air France-KLM 4, Air India 5, British Airways 6, Cathay 7), and every row from position eight onward has moved up exactly one — Thai from 14 to 13, Qantas from 17 to 16. Position eight was Etihad Airways / Etihad Guest / 1:1. All twenty-four other partners we carry, airline and hotel, are still there at the same ratios, so this is Etihad being dropped and not SBI narrowing transfers. The timing matters more than the ratio. SBI phased out the Etihad Guest SBI and Etihad Guest SBI Premier cards from December 2025 and reissued holders onto MILES products, and the transfer route was what made that migration survivable — a Premier holder who had spent six years earning Etihad miles could keep feeding the same account through Travel Credits. That is now closed, and India's remaining pipes into Etihad Guest run through BOBCARD's Etihad co-brands, not through SBI. If you hold SBI Travel Credits earmarked for an Abu Dhabi business seat, they are Aeroplan, Flying Blue, Avios or Maharaja points now. ON THE DATE: SBI publishes no notice and no cut-off. The date here is the day the desk read the change out of SBI's own document; the PDF's internal ModDate puts the edition at 3 August 2026, which is the earliest day we can prove, not an announcement.
- 1 Jul 2026PhonePe SBI SELECT BLACK stops paying on UPI outside PhonePe
- 1 Jul 2026PhonePe SBI PURPLE stops paying on UPI outside PhonePe
- 31 Mar 2026SBI kills both Etihad Guest co-brands and force-swaps holders into MILES
- 9 Mar 2026Paytm SBI Card stops earning on school and education spends
- 9 Mar 2026Paytm SBI Card SELECT stops earning on school and education spends
- 10 Jan 2026SBI Card splits domestic lounges into tiers, adds entry fees
- 1 Dec 2025SBI discontinues the OLA Money card and moves holders onto a house card
Every SBI Card change we've dated → 19 events since 1998, 13 of them nerfs — worst year 2025.
Verified against SBI Card's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official Product page — 8 domestic and 4 international complimentary lounge visits a year, 6 Reward Points per ₹100 outside Titan, 1 Reward Point = ₹0.25
- official Titan SBI Card T&C booklet — 6 Reward Points per ₹100 outside Titan, capped at 6,000 points a month; ₹2,999 annual and renewal
- official MITC — "Titan SBI Card 2,999 2,999 (Waived off on annual spends of Rs.3 Lakh or more in the preceding year)"; 3.5% foreign-currency fee
- official Airport Lounge Access — Titan SBI Card is on the "Set B" domestic list, 30 lounges in 18 cities, w.e.f. 10 Jan 2026