7.5% cashback on spends at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata
5% cashback at Mia, CaratLane and Zoya
3% value back as Gift Vouchers at Tanishq all subject to quarterly benefit caps
Milestone benefits give an annual fee reversal at ₹3 lakh of annual spends, a ₹5,000 Gift Voucher at ₹5 lakh and a ₹10,000 Gift Voucher at ₹10 lakh redeemable at exclusive Titan Stores
The card also carries 8 complimentary domestic and 4 complimentary international airport lounge visits a year maximum 2 per quarter each with a complimentary Priority Pass membership for the first 2 years
Fees
Joining FeeGet 12,000 Reward Points worth ₹3,000 on payment of the joining fee
₹3,539
₹2,999 + GST
Annual FeeThe annual fee is waived if you spend ₹3 lakh or more in a year on your card, as per bank policy
₹3,539
₹2,999 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward Redemption₹99 redemption fee per redemption
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of ₹199 + GST applies on rental transactions made using the credit card
₹199
Cheque PaymentA fee of 2.00% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash PaymentA fee of ₹250 is levied when the outstanding is paid in cash over the counter at an SBI branch
₹250
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹1,000
₹400
₹1,001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹950
₹25,001 - ₹50,000
₹1100
Above ₹50,000
₹1300
An additional ₹100 applies if the Minimum Amount Due is not paid for two consecutive billing cycles
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
