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 card holders 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 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.
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.
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|
|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|
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|
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.
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.
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.
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.
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.
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.
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