Titan Credit Card
Rs 2,999Annual fee
Rs 3,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 8 complimentary domestic airport lounge visits per year, capped at 2 per quarter.
- 4 complimentary international airport lounge visits per year, capped at 2 per quarter, with complimentary Priority Pass membership for the first 2 years.
3.5%Forex markup
Best for
Titan, Jewellery, Watches, Shopping, Lounge
Top rewards
World Of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth, And Sonata: 7.5% cashback; Mia, CaratLane, And Zoya: 5% cashback; Tanishq: 3% value back as gift vouchers
PhonePe SELECT BLACK Credit Card
Rs 1,499Annual fee
Rs 3,00,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- 4 complimentary domestic lounge visits every year, capped at 1 visit per quarter.
- Complimentary Priority Pass membership is provided for the first 2 card membership years; lounge visits beyond any complimentary allowance are charged at the programme's prevailing rate.
3.5%Forex markup
Best for
Phonepe, Online Shopping, UPI, Lounge
Top rewards
Eligible PhonePe Spends: 10 Reward Points / ₹100; Eligible Online Spends: 5 Reward Points / ₹100; Scan & Pay Using PhonePe: 1 Reward Point / ₹100
| Feature | Titan Credit Card | PhonePe SELECT BLACK Credit Card |
|---|---|---|
| Issuer | SBI Card | SBI Card |
| Network | Visa | Visa, RuPay |
| Joining fee | Rs 2,999 | Rs 1,499 |
| Annual fee | Rs 2,999 | Rs 1,499 |
| Fee waiver spend | Rs 3,00,000 | Rs 3,00,000 |
| Reward type | Cashback And Reward Points | Cashback And Reward Points |
| Best for | Titan, Jewellery, Watches, Shopping, Lounge | Phonepe, Online Shopping, UPI, Lounge |
| Top reward categories | World Of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth, And Sonata: 7.5% cashback; Mia, CaratLane, And Zoya: 5% cashback; Tanishq: 3% value back as gift vouchers | Eligible PhonePe Spends: 10 Reward Points / ₹100; Eligible Online Spends: 5 Reward Points / ₹100; Scan & Pay Using PhonePe: 1 Reward Point / ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 8 | 4 |
| International lounge | 4 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Additional gift voucher worth ₹5,000 on annual spends of ₹5 lakh, Additional gift voucher worth ₹10,000 on annual spends of ₹10 lakh | Yatra e-Voucher worth ₹5,000 on annual spends of ₹5 lakh |
| Redemption | Statement credit: upto ₹ 0.25 per point | Statement credit: upto ₹ 1 per point |
| Key exclusions | fuel, rent, government spends, online gaming transactions, wallet loading, merchant EMI | fuel, wallet loading, rent, property management, school and education services, government services |