Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    TATA Credit Card Reward Points

    Tata Cards, the credit card managing arm of Tata Capital Financial Services, offers an attractive rewards programme for its credit card customers. Termed as ‘Empower Point Program’, the rewards point program allows Tata credit cardholders to accumulate points by making purchases using the cards. The accrued points can be redeemed for a wide variety of rewards or services or products including merchandise, dining, entertainment, financial services, fee waivers, etc., as determined by SBI Cards & Payment Services from time to time.

    Tata Credit Cards Eligible For Rewards Points

    • The Tata reward points programme is offered on Tata Platinum, Titanium, Premier, Privilege cards and any other credit card as determined by SBI.
    • Only the credit card accounts in good standing will be eligible to accrue the points
    • Points earned on add-on or supplementary cards will be added to the primary cardholder’s account
    • Credit cardholders who wish to opt out from the programme can do the same by sending an intimation to the bank.

    How To Earn Rewards Points Using A Tata Credit Card?

    Tata credit cardholders can earn at least one reward point for every Rs.100 spent on the card. However, the number of points vary from one card to another. Most of the transactions conducted on a credit card are eligible for reward points except for a few as listed below.

    • Cash advances or withdrawals
    • Balance transfers
    • Tata’s specific features such as encash and dial a draft
    • Financial charges levied on the card including late payment fee, cheque charges, transaction charges, service fee, etc.
    • Fuel purchases
    • Disputed transactions

    Except for the above listed transactions, most other transactions with a minimum transaction value of Rs.100 will become eligible for reward points. Every time you make a transaction using your Tata credit card, equivalent reward points will get credited to your account.

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    Listed below are the reward points offered on various Tata credit cards.

    Credit Card Welcome Points Reward points Validity
    TATA STAR Platinum Card NA One reward point on every Rs.100 spent on retail spends 2 years
    TATA Platinum Card NA One reward point on every Rs.100 spent on retail spends 2 years
    TATA Croma Platinum Card NA One reward point on every Rs.100 spent on retail spends 2 years
    TATA STAR Titanium Card NA One reward point on every Rs.100 spent on retail spends 2 years
    Tata Titanium Card 500 reward points worth Rs.500 on total spends of Rs.2,000 or more within first six months of card issuance One reward point on every Rs.100 spent on retail spends 2 years
    Tata Croma Titanium Card 500 reward points worth Rs.500 on total spends of Rs.2,000 or more within first six months of card issuance One reward point on every Rs.100 spent on retail spends 2 years

    Most of the Tata credit cards are offering one reward point for every Rs.100 spent on the card. However, the company also offers an accelerated rewards programme that allows cardholders to earn accelerated rewards on particular category of spends. Let’s look at the programme in detail.

    Tata Cards - Accelerated Rewards Points

    While regular transactions on Tata Cards earn one reward point for every Rs.100 spent, there are a few transactions that are eligible for accelerated rewards. Which means by using the credit card to make such transactions, cardholders can earn more rewards points than normal. Typically, the reward points vary from 3 to 10 times, based on the category of transaction.

    By partnering with departmental and grocery stores, restaurants and other retailers, Tata Cards, besides offering co-branded credit cards, is providing accelerated rewards on purchases made at the partner stores. Further, cardholders can earn 2-5 reward points for every Rs.100 spent on the card at any Tata brand outlets such as Croma, Westside, Titan, Ginger, Tanishq, Landmark and Star Bazaar.

    Listed below are the accelerated reward points offered on each Tata Credit Card.

    Credit Card Accelerated reward points Partner Points
    Croma Star Bazaar Westside Titan Ginger Tanishq Landmark
    Tata Star Platinum Card 3X points for spends on departmental & grocery stores, dining & international spends NA NA NA NA NA NA NA
    TATA Platinum Card 3X points for spends on dining, departmental & grocery stores and international spends 2 3.5 5 4 4 2 2
    TATA Croma Platinum Card 3X points for spends on dining, departmental & grocery stores and international spends 2 3.5 5 4 4 2 2
    TATA STAR Titanium Card 3 reward points on every Rs.100 spent at departmental and grocery stores NA NA NA NA NA NA NA
    Tata Titanium Card 3 reward points for departmental and grocery store spends 1.5 3.5 5 3 4 1.75 2
    Tata Croma Titanium Card 3 reward points for departmental and grocery store spends 1.5 3.5 5 3 4 1.75 2

    How To Redeem Tata Credit Card Reward Points?

    After accruing a minimum number of reward points, Tata credit cardholders can redeem the Tata Empower points at any participating Tata brand outlets. The minimum threshold points, however, may vary from one partner to another. Each reward point is equivalent to Rs.1, which means by using 500 reward points, you can purchase product or service worth Rs.500.

    Tata Partner Store Minimum points required for redemption
    Croma 500
    Star Bazaar 250
    Westside 250
    Titan 1000
    Ginger 1000
    Tanishq 1000
    Landmark 500

    The points can be used to purchase rewards or products or services including merchandise, shopping, fee waivers, dining, travel, entertainment, financial services, credit card upgrades, etc.

    Once you accumulated the minimum points required for a partner brand, visit the brand store, choose a product of your choice and while billing present your Tata credit card and redeem the points instantly. Make sure to swipe your card only on a Tata EDC machine to redeem Empower Points.

    Alternatively, cardholders can also redeem the points for e-gift voucher of any of the partner stores mentioned above.

    Frequently Asked Questions (Faqs) Of Tata Credit Card Reward Points

    1. Where can I find the reward points accumulated on my Tata credit card?
    2. The total number of points accumulated during a given billing cycle will be included in the month’s billing statement. Alternatively, you can also call Tata Credit Card helpline to check the empower points on your card.

    3. Is there any fee to redeem Tata reward points?
    4. Yes, Tata Cards charges a redemption fee of Rs.99 upon receiving a redemption request. The fee will be added to your credit card outstanding and will reflect in your next month’s billing statement.

    5. What would happen to unused Tata reward points?
    6. Points not redeemed within 12 months of card issuance will be carried forward to the next enrolment year, provided the cardholder renews his/her card. In case the card is not renewed, the points will expire by the end of the year. In case, it’s renewed, any points not used by the end of second year shall lapse.

    7. I would like to close my Tata Credit card. What would happen to the accumulated reward points on the card?
    8. If you’re planning to close your Tata credit card, it’s always better to redeem reward points on the card before raising the cancellation request. However, if for any reasons, you haven’t done it, you still have 180 days after closing the card to redeem the points. The points will lapse after the mentioned period.

    9. Which helpline to contact for Tata credit card reward point related queries?

    For all Tata credit card reward point related queries, you can call the Tata Card helpline at 3902 3456 (prefix your city STD code) or 1800 180 8282 from BSNL/MTNL landlines.

    Alternatively, you can send a written request to: Tata Cards, P.O Bag No 7, G.P.O, New Delhi – 110001.

    Customer Reviews

    • HDFC Bank Credit Card
      "Very less Offers and discounts"
      0.5 3.0/5 "Satisfactory"
      HDFC need to concentrate separate strategy for their customers under their controls . Every cards are providing various discount based upon the product . I am not getting any cash back offers in the past . Hoping for the exciting offers in the future .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 23, 2019
    • SBI Cards Credit Card
      "Not satisfactory card"
      0.5 2.0/5 "Expected more"
      I have been holding SBI credit card for long time,They have charged me annual fee in this card,but their is no waived off option available in this card,and i am not happy with the credit limit which they have given me in this card,they use to give 22,000 only,and even their offers are not prompt.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 23, 2019
    • Bank Bazaar Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I came to know about bank bazaar service through on line, and previously i have been using bank bazaar service from past 6 months,like i use check for credit score,and even their website is good,it is easy to access,and their service is prompt,the best thing in this service is their good response.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 23, 2019
    • IndusInd Bank Credit Card
      "Average service"
      0.5 4.0/5 "Great!"
      The reason for choosing Indusind bank credit card was for the not charging annual fee,since it was life time free credit card so i have applied, and i am not happy with the credit limit which they have given me in this card,like i expected more,and it too 20-25 days to get my card,their was delay,and even in documentation part it was difficult to process.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 23, 2019
    • HDFC Bank Credit Card
      "Need to improve services"
      0.5 3.0/5 "Satisfactory"
      I have HDFC BANK credit card . They gave me new card but m office address got change so i said them to come my home address they said your signature needed to come to your place . For such small thing they said me to visit the branch . I hold HDFC TITATANIM card .
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Mar 23, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding HDFC credit card for long time,They have not charged me annual fee in this card,as it is life time free credit card, and i am not happy with the credit limit which they have given me in this card,and even their offers are not much available in this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 23, 2019
    • American Express Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Amex credit card,it is my corporate credit card,so they have not charged me annual fee in this card,as it is life time free credit card, and i am happy with the credit limit which they have given me in this card,and even the offers was good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 23, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with ICICI BANK , i am holding this card for last few month . There is no annual fee with this card . The whole application process was good and hassle free. Credit limit is very satisfactory with this card. Overall I am happy with the whole application process.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 23, 2019
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I use this card mainly for shopping , movie tickets and grocery . The response was fast the whole application process was easy and hassle free. Am happy with the services AXIS BANK credit card . The customer services and response is good. Mail and messages are properly coming in my mobile .
      Was this review helpful? 0
      , pune
      Reviewed on Mar 23, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have HDFC BANK Credit card . I am holding this card for past few month . This is very basic card . The card is chargeable and the credit limit is good with this card , i have multiple card in that i got good limit . The rate of interest is very nominal compare to others .
      Was this review helpful? 0
      , pune
      Reviewed on Mar 23, 2019
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I came to know about bank bazaar service through on line,and this is my first time i have been using bank bazaar service, and i have been using both website and mobile application, it was user friendly,and easy to access,and the best thing i like in this service was their response, they response very well,and as per now i am satisfied with their service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 23, 2019
    • IndusInd Bank Credit Card
      "Best card"
      0.5 4.0/5 "Great!"
      I recently applied for Indusind bank credit card ,The reason for choosing this card was for their offers ,as i travel a lot, so they use to give good offers in airport lounge,and the documentation process went smooth without hassle , and the card was on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 23, 2019
    • SBI Cards Credit Card
      "SBI Yono app - Great for all activities "
      0.5 5.0/5 "Blown Away!"
      A Good customer support for the last two years from SBI . SBI Yono app is recently introduced for performing various activities sin single app . Notifications will be send directly via SMS and emails about the online discounts and shopping .
      Was this review helpful? 1
      , new delhi
      Reviewed on Mar 23, 2019
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA BANK . The card is chargeable but if i cross 50000 of transaction then they will give waive off . I use this card for shopping , grocery , traveling . . I am happy with the credit limit. Overall it has been good experience .
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 23, 2019
    • HDFC Bank Credit Card
      "Average card"
      0.5 2.0/5 "Expected more"
      My credit card was taken with HDFC BANK . I am holding this card for past 6month . They offered 75000 of credit limit with this card . The service is not that good with this card . They mis match my name and it was disappointing part . There is no joining fee with this card .
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 23, 2019
    • RBL Bank Credit Card
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with the RATNAKAR BANK where the card has the hidden charges applicable. The customer service with this bank is not responsive but i am not aware of the credit limit with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 23, 2019
    • andhra Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ANDHRA BANK as i am holding it since from last one year and also the card has no charges applicable as hidden charges. The card limit they offered was 50K with this loan.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 23, 2019
    • HDFC Bank Credit Card
      "Good track record with HDFC service"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card has helped in so many ways . Not only , I use this card for my regular shoppings . At time , I can avail loan based on my credit card . I taken so many Jumbo loans and make the payment on time . I have good record with HDFC service both in Credit card and loan repayment .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 23, 2019
    • SBI Cards Credit Card
      "Not satisfactory card"
      0.5 1.0/5 "Really Bad"
      I have previously hold SBI credit card,In case of credit card service ,their service was not up to the mark,i faced issue in the credit card , like their customer care is not prompt and they do not resolve my problem soon,i requested for traveling benefit they did not help me out,and even i ask to close this card,they kept on for some reason and did not consider my words.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 23, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am happy with the card . The services of HDFC BANK credit card is good .I use this card for both online as well offline . I use to get reward point as well cash back also . They provide net banking facility which is very user friendly . I am holding this card for past 1 year .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 23, 2019
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