SBI Card PRIME vs Titan SBI Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified July 2026.
Quick Key Takeaways & Fact Summary
- Overall Winner: SBI Card PRIME earns higher net annual returns at standard spend tiers.
- Annual Fee: SBI Card PRIME (₹2999/yr) vs Titan SBI Card (₹2999/yr).
- Base Reward Rate: SBI Card PRIME (2 pts/₹100) vs Titan SBI Card (1.5 pts/₹100).
- Lounge Access: SBI Card PRIME (8 dom) vs Titan SBI Card (8 dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1SBI Card · fee waived
2SBI Card · fee waived
Smart verdict
Get the SBI Card PRIME — it earns you +₹5,880/yr over the Titan SBI Card, mostly from your groceries spend.
How Your Spends Convert to Rewards
Live calculation breakdown for SBI Card PRIME
| Spend Category | Monthly Spend | Reward Rate | Points Earned | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|---|
Fuel | ₹4,000/mo | 0 Pts / ₹100 | 0 pts0 pts/yr | ₹0 | ₹0/yr | Excluded |
Rent | ₹10,000/mo | 0 Pts / ₹100 | 0 pts0 pts/yr | ₹0 | ₹0/yr | Excluded |
Other Online Shopping | ₹6,000/mo | 2 Pts / ₹100 | 120 pts1,440 pts/yr | ₹30 | ₹360/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 2 Pts / ₹100 | 70 pts840 pts/yr | ₹18 | ₹210/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 2 Pts / ₹100 | 40 pts480 pts/yr | ₹10 | ₹120/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 10 Pts / ₹100 | 500 pts6,000 pts/yr | ₹125 | ₹1,500/yr | Active Earn |
Groceries | ₹7,000/mo | 10 Pts / ₹100 | 700 pts8,400 pts/yr | ₹175 | ₹2,100/yr | Active Earn |
Utilities & Bills | ₹4,000/mo | 0.5 Pts / ₹100 | 20 pts240 pts/yr | ₹5 | ₹60/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 2 Pts / ₹100 | 80 pts960 pts/yr | ₹20 | ₹240/yr | Active Earn |
Insurance | ₹1,500/mo | 2 Pts / ₹100 | 30 pts360 pts/yr | ₹8 | ₹90/yr | Active Earn |
Other / Offline | ₹3,000/mo | 2 Pts / ₹100 | 60 pts720 pts/yr | ₹15 | ₹180/yr | Active Earn |
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | SBI Card PRIMESBI Card | Titan SBI CardSBI Card |
|---|---|---|
| Joining fee | ₹2,999 | ₹2,999 |
| Annual fee | ₹2,999/yr | ₹2,999/yr |
| Fee waiver | Spend ₹3,00,000/yr | Spend ₹3,00,000/yr |
| Base reward | 2 pts / ₹100 | 1.5 pts / ₹100 |
| Top reward categories | 10x dining, 10x groceries, 0.5x utilities | 7.5x other (higher rate at select merchants only) |
| Redemption friction | Moderate | Moderate |
| Point expiry | 24 months | 24 months |
| Lounge access | 8 dom · 4 intl⚠ International via Priority Pass, max 2/quarter | 8 dom · 4 intl⚠ Max 2/quarter each; Priority Pass first 2 years |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹100/mo | None |
| Min income · salaried | Not stated | Not stated |
| Min income · self-employed | Not stated | Not stated |
| Eligibility (as stated) | Not published by bank | Not published by bank |
| Recent devaluations | None recorded | None recorded |
| Verified against | Updated 2026-08-13Official SBI Card Credit Card Page | Updated 2026-07Official SBI Card Credit Card Page |
Verdict at a Glance
Choose SBI Card PRIME if your monthly spending is focused on dining, groceries.
Choose Titan SBI Card if you spend heavily on other.
SBI Card PRIME vs Titan SBI Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
SBI Card PRIME
At ₹25,000/month, SBI Card PRIME nets ₹6,557/yr vs Titan SBI Card at ₹3,989/yr — a ₹2,568 edge.
SBI Card PRIME
At ₹50,000/month, SBI Card PRIME nets ₹15,859/yr vs Titan SBI Card at ₹9,979/yr — a ₹5,880 edge.
Titan SBI Card
At ₹1,00,000/month, Titan SBI Card nets ₹22,994/yr vs SBI Card PRIME at ₹20,164/yr — a ₹2,830 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
Frequently Asked Questions
Which is better, SBI Card PRIME or Titan SBI Card?▼
At a typical ₹50,000/month spend (cashback redemption), SBI Card PRIME comes out ahead by about ₹5,880 per year, driven mostly by groceries spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, SBI Card PRIME or Titan SBI Card?▼
SBI Card PRIME earns 2 pts/₹100 as a base, while Titan SBI Card earns 1.5 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for SBI Card PRIME and Titan SBI Card?▼
SBI Card PRIME: ₹2,999 + GST per year, waived on ₹3,00,000 annual spend. Titan SBI Card: ₹2,999 + GST per year, waived on ₹3,00,000 annual spend.
Do SBI Card PRIME and Titan SBI Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. SBI Card PRIME excludes fuel, rent; Titan SBI Card excludes fuel, rent, utilities. The calculator shows these as ₹0 earners so your net value stays honest.
Is Titan SBI Card ever the better pick over SBI Card PRIME?▼
Within a normal spend range at ₹50,000/month, SBI Card PRIME stays ahead. Titan SBI Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.