Apollo Sbi Card Mastercard Credit Card vs SBI Cards Tata Titanium MasterCard Credit Card: Which is Better in 2026?
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The Apollo Sbi Card Mastercard Credit Card offers limited benefits, while the SBI Cards Tata Titanium MasterCard Credit Card provides a more structured rewards program and a nominal annual fee. This comparison highlights the key differences in fees, rewards, and overall value for potential users.
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 | Apollo Sbi Card Mastercard Credit Card | SBI Cards Tata Titanium MasterCard Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | MasterCard | 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?
The SBI Cards Tata Titanium MasterCard Credit Card is better for rewards, offering 3X Empower Points on departmental and grocery store purchases, along with a welcome benefit of 500 Empower Points after spending Rs. 2000. In contrast, the Apollo Sbi Card Mastercard Credit Card does not provide any rewards or points, making it less appealing for those looking to earn while spending.
Which is better for travel?
Both cards do not offer significant travel-related benefits, such as lounge access or travel insurance. Therefore, they are equally unappealing for frequent travelers. Users should consider other options if travel perks are a priority.
Which has lower effective cost?
The SBI Cards Tata Titanium MasterCard Credit Card has a clear annual fee of Rs. 499, which can be waived with a spend of Rs. 1 lakh. The Apollo Sbi Card Mastercard Credit Card lacks any specified fees or waivers, making it difficult to assess its cost-effectiveness. Overall, the Tata Titanium card is more transparent regarding fees.
Who should pick Apollo Sbi Card Mastercard Credit Card?
Consider Apollo Sbi Card Mastercard Credit Card if you prefer a card with no annual fees or complex fee structures, although it currently lacks any rewards or benefits.
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 and a welcome benefit.
Frequently Asked Questions
No, the Apollo Sbi Card Mastercard Credit Card does not offer any rewards or points.
The annual fee for the SBI Cards Tata Titanium MasterCard Credit Card is Rs. 499.
Yes, the annual fee can be waived if you spend Rs. 1 lakh.
No, neither card offers domestic or international lounge access.