The SBI Cards Tata Titanium Mastercard has a ₹499 annual fee (waived on ₹1 lakh annual spend), earns 1 Empower Point on Retail and charges a 3.5% forex markup.
| Annual fee | ₹499 |
|---|---|
| Annual fee waived | On ₹1 lakh annual spend |
| Base rewards | 1 Empower Point on Retail |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
108 online offers across 68 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- Paytm: Flat Rs.750 off · till 31 Dec
- Air India: Flat 12% off · till 7 Dec
- Reliance Digital: 5% Instant Discount · till 31 Dec
- Hp - Hewlett-packard: Rs.18000 Cashback · till 10 Nov
These are SBI Cards's own offers and Mastercard network offers, so they apply to every SBI Cards Mastercard card, not just this one. All SBI Cards offers by category.
More about the SBI Cards Tata Titanium MasterCard Credit Card
Is the SBI Cards Tata Titanium MasterCard Credit Card worth it in 2026?
The SBI Cards Tata Titanium MasterCard Credit Card is worth it in 2026 if you frequently shop at departmental and grocery stores, as it offers 3X Empower Points on these spends. The Rs.499 annual fee can be waived by spending Rs.1 lakh annually, making it cost-effective for regular users.
Who should get the SBI Cards Tata Titanium MasterCard Credit Card?
This card is ideal for shoppers who spend regularly at departmental and grocery stores and want to earn accelerated rewards. It suits users who can meet the Rs.1 lakh annual spend to waive the renewal fee and prefer earning Empower Points on everyday purchases.
How to maximise rewards on the SBI Cards Tata Titanium MasterCard Credit Card?
To maximise rewards, focus your spending on departmental and grocery stores to earn 3X Empower Points. Additionally, use the card for retail purchases to earn 1 Empower Point per Rs.100 spent, and aim to spend Rs.1 lakh annually to waive the Rs.499 renewal fee.
What purchases give the best value on the SBI Cards Tata Titanium MasterCard Credit Card?
Departmental and grocery store purchases provide the best value, earning 3X Empower Points. Retail purchases also earn rewards but at a lower rate of 1 Empower Point per Rs.100 spent.