SBI Titan Credit Card: Benefits, Fees and Charges

SBI Titan Credit Card Benefits, Fees and Charges

SBI Titan Credit Card is a premium category credit card issued by State Bank of India (SBI) and this credit card is designed for those customers who want to get maximum benefit on their daily expenses. This credit card has many benefits and rewards, and along with this, fees and eligibility are also included.

Titan Company Limited, one of the largest pure-play credit card companies in the country, has announced the launch of the SBI Titan Credit Card. It is a unique shopping credit card designed to meet the specific needs of the customers.

SBI Titan Credit Card offers its customers benefits like cashback and reward points on lifestyle expenses. SBI Titan Credit Card also offers Titan gift vouchers to its customers. Along with this, the SBI Titan Credit Card offers many benefits.

Through this article, we will also discuss the different benefits of SBI Titan Credit Card and its fees. Therefore, read this article till the end so that you do not face any problems later.

What is the SBI Titan Credit Card?

The SBI Titan Credit Card is a credit card provided by the State Bank of India (SBI) offering an array of features and benefits suited to cater to the spending of customers. It particularly suits customers who love shopping, dining, and engaging in other lifestyle activities.

On every purchase made, the customer earns reward points, discounts on certain brands, and special offers. The card is very convenient to use in both online and offline transactions and includes security features to ensure its safety.

How is the design of the Credit Card?

The design of the SBI Titan Credit Card is both elegant and eye-catching, making it a card you’d be proud to carry. It features a sleek and modern look with a glossy finish that gives it a premium feel. The layout is thoughtfully crafted, with the SBI logo prominently displayed, symbolizing trust and credibility, alongside the Titan branding, which reflects style and sophistication.

The combination of colors, textures, and design elements is both beautiful and practical because it makes visible the most important information, including the card number, expiry date, and name of the cardholder.

What are the benefits of the SBI Titan Credit Card?

Here are the detailed benefits of having this card:

  • Reward Points Program: The most important benefit of the SBI Titan Credit Card is its reward points program. It earns points on every transaction, whether it is shopping, dining, or paying utility bills. These points can later be redeemed for exciting gifts, vouchers, or discounts from the extensive rewards catalog.
  • Exclusive Deals and Savings: This card provides exclusive deals and savings across different categories, including shopping, dining, travel, and entertainment. Be it dining in your favorite restaurant or shopping at a leading brand outlet, you get special savings on it.
  • Fuel Surcharge Waiver: If you use your vehicle frequently, this card would be very beneficial to you. It offers a fuel surcharge waiver which helps you save money on all fuel transactions across petrol pumps in the country.
  • Easy EMI Facility: Now, big spends don’t need to strain your budget. Convert your high-value transactions into easy and flexible monthly installments, making it easy to afford.
  • Global Acceptance: The SBI Titan Credit Card is accepted at millions of outlets worldwide. Both online and offline merchants have recognized this acceptance, making it the best choice for both international and domestic tourists.

Advanced Security Features:

  • An EMV chip will be part of the security feature, assuring you to perform safe transactions, thus giving protection against fraudulent cases. An additional layer of security for your online transactions can be achieved by way of OTP verification.
  • Add-on cards: You may share the advantage of your SBI Titan credit card with your family by availing of add-on cards. Additional cards can be issued for the spouse, parents, or even children to utilize the same advantage.
  • 24/7 Customer Support: SBI provides round-the-clock customer service support in case of any queries or issues regarding your credit card.
  • In case you want to make some transactions, discuss billing issues, or redeem your reward points, assistance is available just a call away.
  • Flexible Payment Methods: The card presents different payment options that are used for clearing the dues against credit cards, such as online banking, mobile apps, and offline options, thereby reducing costs and hassles.
  • Prestige and style are added benefits by owning an Credit Card, offering a premium style, along with an association to be remembered through the powerful brand name.

What are the fees for the SBI Titan Credit Card?

Here is a simple breakup of the Credit Card fees:

Joining Fee₹2,999 + GST (one-time fee when you get the card).
Annual Fee₹2,999 = GST per year. This will be waived if you spend ₹1,00,000 or more in a year.
Add-on Card FeeNo charges for additional cards for family members.
Finance Charges3.5% per month (42% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee₹0 for outstanding amounts up to ₹500.₹400 for ₹501 to ₹1,000.₹750 for ₹1,001 to ₹10,000.₹950 for ₹10,001 to ₹25,000.₹1,100 for ₹25,001 to ₹50,000.₹1,300 for amounts above ₹50,000.

What are the criteria for getting an Credit Card?

The following are the primary requirements:

  1. You should be between 18 to 70 years of age to apply for the Credit Card. This way, the applicants will either be young enough to begin creating a credit history or mature enough to have an established financial background.
  1. The income requirement differs according to your employment status:
  • Salaried Individuals: Your monthly income should generally be ₹25,000 or more.
  • Self-Employed Professionals: A minimum income of Rs. 3 lakhs usually does the job.
  1. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
  1. Your credit score plays a role in the selection process. It is a tendency for SBI to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.
  1. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.
  1. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
  1. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What are the necessary documents required to get an Credit Card?

The documents that you will have to submit to get an Credit Card are as below:

Identity ProofAadhaar card, Passport, Voter ID, Driving license, PAN card
Address ProofUtility bills like electricity, water, etc Rent agreement, Bank statement, or passbook with your address
Income ProofSalary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
PhotographThe latest passport-sized photograph

Where can the Credit Card be used?

Here is the list of places where you can use it:

  • You can shop at almost every retail outlet, shopping mall, and e-shopping website with Credit Card for clothing, electronics, accessories, etc.
  • Online: You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
  • You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
  • You can use it to book flight tickets, train tickets, or bus tickets. You can also use it to pay for taxi, Uber, Ola, or hotel bookings.
  • You can use your credit card to pay electricity bills and water bills, mobile bills, and internet services as well.
  • You can use your SBI Titan Credit Card to pay for something expensive, such as electronics or appliances, through easy monthly installments (EMIs).
  • The Credit Card is also accepted in other countries, where you can make purchases and payments, for it is also accepted wherever Visa is accepted.

What is the credit limit of the Credit Card?

The credit amount you can spend is what you are provided with a SBI Titan Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, then you can spend up to that amount only. In case you want to spend more than the limit, the bank would not consider spending over your credit limit.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an SBI Titan Credit Card?

Apply it through both these modes: 

Online Application Process:

  • Visit the official website of the State Bank of India, i.e. www.sbi.co.in
  • Go to ‘Cards’, followed by ‘Credit Cards’.
  • On that page you can see numerous options for credit cards issued by the State Bank of India; for instance, you will get an option to opt for SBI Titan Credit Card.
  • Just hover your cursor on SBI Titan Credit Card, followed by selecting ‘Apply Now’ from there.
  • You will be asked to fill out your details including your name, contact information, income details, and employment status.
  • Be accurate and updated with the information provided.
  • You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
  • After filling out the details and uploading the documents, review your application to make sure everything is correct.
  • Apply online through the application form.
  • The bank will check your application after submitting it. They can ask for extra documents or information if required.
  • You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

  • You can walk into the nearest State Bank of India branch to apply for the SBI Titan Credit Card.
  • Request for the credit card application form of the SBI Titan Credit Card. They will provide you with the form and proceed accordingly.
  • Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
  • Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
  • Your application will be processed, and your information will be cross-checked at the bank level.
  • In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
  • You will receive the SBI Titan Credit Card by post at the same postal address.
  • Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the SBI Card website, or mobile app or by calling their customer service.
  • You would have to set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Will it be right to get an Credit Card in 2025?

Yes, getting an SBI Titan Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry, and so on. On top of that, the bank provides discounts with easy access to the EMI facility. 

The bank, SBI is also a strong bank with high customer service so it is dependable. But don’t forget, you should make sure that you can handle your credit responsibly in terms of time for paying the bills and keeping your credit from exceeding its credit limit. Provided that you are stable in terms of income, and you are in good credit, it might be a very good option in 2025.

Conclusion

For shopaholics and those who love shopping, who at the same time love to earn rewards on their purchases, this Credit Card is a goldmine. There are fantastic deals on jewels, dining, and shopping, besides the flexibility to pay in easy EMIs, so it provides value aplenty. And when it comes to the integration network with one of India’s most trusted and reliable banks- SBI, there come the best customers with secure online transactions.

It will be a good financial decision if you have a stable income, a good credit history, and can manage your spending responsibly, to apply for the SBI Titan Credit Card in 2025. This will help you make the most of your shopping experiences and reward you for all your everyday purchases. Before getting the card, it is essential to understand all the terms and fees associated with the card and how it suits your spending habits. Therefore, by using the card smartly and clearing bills in time, you can enjoy its benefits without any financial stress. To watch more information youtube videos.

Frequently Asked Questions (FAQ’s)

Que: How do I get my SBI Titan Credit Card activated?

Ans: You can activate your SBI Titan Credit Card through the SBI Card website or mobile app. The steps mentioned on the card are to be followed for setting the PIN and activation.

Que: Do I use the SBI Titan Credit Card abroad?

Ans: Yes, the SBI Titan Credit Card is a Visa card, meaning you can use it for making any purchase and even for online shopping anywhere, provided Visa cards are accepted there in the entire world, be it online or offline.

Que: What if I lose or get my SBI Titan Credit Card stolen?

Ans: Immediately call SBI Card’s customer care number at 1860 180 1290 or use the SBI Card mobile app to block your card. You may also report the case by visiting any of the closest SBI branches.

Que: Whether the SBI Titan Credit Card offer any facility for reward points?

Ans: And I do receive award points for virtually every purchase using a card. Well, those become redeemable cash or gift cheques, you name it — anything the rewards program by the SBI card may make accessible.

Que: How do I check my bill for my SBI Titan Credit Card?

Ans: You can check your bill by using the mobile app, checking online through the SBI Card website, or by getting paper statements at your address. Try to pay as early as you can to avoid late fees.

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