Aditya Birla Sbi Card Select Credit Card vs SBI Cards Tata Titanium MasterCard Credit Card: Which is Better in 2026?
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The Aditya Birla SBI Card Select Credit Card offers no notable benefits, while the SBI Cards Tata Titanium MasterCard Credit Card provides some rewards and a manageable annual fee. This comparison highlights the key differences in rewards, travel benefits, and overall costs between the two cards.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Aditya Birla Sbi Card Select Credit Card | SBI Cards Tata Titanium MasterCard Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | Visa | MasterCard |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fee - Rs.499 |
| Annual fee waiver | — | Spend Rs.1 Lakhs For Renewal Fee Waiver |
| Reward rate (headline) | — | Earn 3X Empower Points on Departmental & Grocery Stores |
| Lounge — domestic | — | — |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Earn 500 Empower points As Welcome Benefit on the Spends of Rs.2000 |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
For rewards, the SBI Cards Tata Titanium MasterCard Credit Card is the clear winner. It allows users to earn 3X Empower Points on departmental and grocery store purchases, along with 1 Empower Point on other retail transactions. In contrast, the Aditya Birla SBI Card Select Credit Card lacks any reward structure, making it less appealing for those looking to maximize their spending.
Which is better for travel?
Both cards do not offer any lounge access or travel-specific benefits, making them less suitable for frequent travelers. Therefore, in terms of travel perks, they are on equal footing, as neither card provides significant advantages in this area.
Which has lower effective cost?
When considering effective costs, the SBI Cards Tata Titanium MasterCard Credit Card has a nominal annual fee of Rs.499, which can be waived with a spending threshold of Rs.1 lakh. The Aditya Birla SBI Card Select Credit Card, on the other hand, does not have any specified fees or waivers, which could imply a lack of value for users who expect more from their credit card experience.
Who should pick Aditya Birla Sbi Card Select Credit Card?
Consider Aditya Birla SBI Card Select Credit Card if you prefer a card with no annual fee structure and do not require rewards or travel benefits. This card may suit individuals who want a straightforward credit card without the complexities of rewards.
Who should pick SBI Cards Tata Titanium MasterCard Credit Card?
Consider SBI Cards Tata Titanium MasterCard Credit Card if you are looking for a card that offers rewards on grocery and departmental store purchases, along with a manageable annual fee. This card is ideal for those who want to earn points on their everyday spending while having the option to waive the annual fee.
Frequently Asked Questions
No, the Aditya Birla SBI Card Select Credit Card does not specify any annual fees.
You can earn 3X Empower Points on departmental and grocery store purchases, and 1 Empower Point on other retail transactions.
Yes, the renewal fee of Rs.499 can be waived if you spend Rs.1 lakh.
No, neither the Aditya Birla SBI Card Select Credit Card nor the SBI Cards Tata Titanium MasterCard Credit Card offers airport lounge access.