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If you spend Rs. 1 Lakh each on Tanishq and Caratlane in a quarter, you can save Rs. 3,000 on Tanishq and Rs. 5,000 on Caratlane. Savings of Rs. 8,000 on total spends of Rs. 2 Lakh may look like a small number but since most cards do not offer any value-back on these categories, putting such spends on the Titan card makes sense. Cashback of 7.5% across other brands is also higher than what other co-branded cards would offer on the associated platforms. However, an important point to consider here is that Titan Eye+, Fastrack, Skinn, etc. are not everyday brands and you may not be able to earn a maximum cashback of Rs. 10,000 every quarter, as you would have to spend around Rs. 1.30 Lakh per quarter on these brands. Reward rate of 1.5% across all other spends is decent for a co-branded card. However, unlike other cards that offer multiple redemption options across cash, product catalogue, etc., here the rewards can be redeemed only as Titan vouchers, which could be limiting for some users.
