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    TATA Credit Card

    Tata Capital Financial Services in association with State Bank of India (SBI) is offering credit cards under the brand name, Tata Cards. The technology and processing responsibilities of Tata Cards are being provided by GE Capital Business Processes Management Services, the joint venture partner of SBI Cards, while the SBI takes care of customer acquisition, marketing and risk management of Tata Cards.

    Tata Cards is currently offering two variants of credit cards – Tata Premium Credit Cards and Tata Classic Credit Cards. Let’s look at each category in detail.

    Tata Premium Credit Cards

    Three Tata Credit Cards are available under Tata Premium credit cards category:

    1. Tata Star Platinum Card
    2. Tata Platinum Card
    3. Tata Croma Platinum Card

    With an annual fee of Rs.2,999, the premium cards offer a wide variety of features and benefits.

    Features And Benefits Of Tata Premium Credit Cards

    Listed below are the features and benefits of Tata Premium Credit Cards

    • Welcome gift: As a welcome gift to Tata premium credit cardholders, the company is offering e-gift vouchers from Star Bazaar and other Tata partner stores including Yatra.com, Bata, Marks & Spencer, and Westside.
    • Anniversary gift: Complete one year and become eligible for the anniversary gift. The rewards include e-gift vouchers from Star Bazaar, gift certificates from Taj Hotels, discount coupons on buffet lunches, complimentary drinks, discounts on weekend packages, gift vouchers from popular brands such as Raymonds, Jabong, etc.
    • Cashback offer: The Tata Premium cards provide cash back on spends at partner stores including Star Bazaar, Tata outlets, Croma stores and Croma.com. The cash back typically varies from 2% to 5% of the transaction value.
    • Reward points: Besides providing one reward point for every Rs.100 spent on the cards, the credit cards also offer accelerated rewards on purchases made at departmental and grocery stores, dining and international purchases and at Tata partner stores.
    • Milestone bonus: For annual spends ranging from Rs.3 lakh to Rs.5 lakh, the cardholders will get e-gift vouchers, complimentary flight tickets, dining offers, discount offers and gift vouchers from popular brands.
    • Fuel surcharge waiver: Using any of the premium credit cards for fuel purchases will relieve the cardholders from paying the additional 1% fuel surcharge typically charged on card transactions.
    • Complimentary airport lounge visits: Tata premium cardholders will gain exclusive access to premium MasterCard airport lounges in India at both domestic and international terminals.

    Comparison Of Features And Benefits Of Tata Premium Credit Cards

    Features and Benefits Tata STAR Platinum Card Tata Platinum Card Tata Croma Platinum Card
    Welcome Gift e-gift voucher worth Rs.3,500 from Star Bazaar e-gift voucher worth Rs.3,000 from any one of the brands including Yatra, Hush Puppies, Bata, Marks & Spencer and Westside e- Gift voucher worth Rs.3,000 from any one of the brands including Yatra, Hush Puppies, Bata, Marks & Spencer and Westside
    Anniversary Gift e-gift voucher worth Rs.3,000 from Star Bazaar Eligible for anniversary gift if the spends in the previous year exceed Rs.2 lakh Eligible for anniversary gift if the spends in the previous year exceed Rs.2 lakh
    Value Back 3.5% cash back at Star Bazaar outlets and 5% at select Tata stores 2% at Croma and cromaretail.com and 5% at Tata outlets 2% at Croma and cromaretail.com and 5% at Tata outlets
    Reward Points 01 reward point on every Rs.100 spent 01 reward point on every Rs.100 spent 01 reward point on every Rs.100 spent
    Accelerated Reward Points 03 reward points for spends at departmental, grocery stores, dining and international spends 03 reward points for spends at departmental, grocery stores, dining and international spends 03 reward points for spends at departmental, grocery stores, dining and international spends
    Milestone Bonus For Rs.4 lakh spends, Star e-voucher worth Rs.3,000 e-gift voucher worth Rs.3,000 from partner brands on annual spends of Rs.4 lakh e-gift voucher worth Rs.3,000 from partner brands on annual spends of Rs.4 lakh
    Fuel surcharge waiver Use the card to purchase fuel and lubricants worth minimum Rs.500 and avail 1% fuel surcharge waiver Use the card to purchase fuel and lubricants worth minimum Rs.500 and avail 1% fuel surcharge waiver Use the card to purchase fuel and lubricants worth minimum Rs.500 and avail 1% fuel surcharge waiver
    Airport Lounge Access 8 free airport lounge visits per year to Domestic MasterCard Lounges in India 8 free airport lounge visits per year to Domestic MasterCard Lounges in India 8 free airport lounge visits per year to Domestic MasterCard Lounges in India

    Besides the above compared features, Tata Premium credit cards also offer:

    • Lowest finance charges on the carried forward outstanding due
    • Acceptable at about 24 million outlets across the world
    • Allow the cardholders to withdraw cash from over one million Visa or MasterCard ATMs located across the globe
    • Enable users to make online utility bill payments including electricity bill, insurance, or telephone bill
    • Allow balance transfer of credit card dues on other bank cards at lower interest rates
    • Offer Flexipay facility through which cardholders can repay their credit outstanding in easy monthly instalments
    • Cardholders can apply for add-on credit card for their immediate family members above 18 years of age

    Tata Classic Credit Cards

    Under the Classic cards category, Tata is offering three different cards

    1. Tata STAR Titanium Card
    2. Tata Titanium Card
    3. Tata Croma Titanium Card

    With a joining fee of Rs.499, the Titanium Cards offer a huge range of benefits and rewards. Some of the common features are listed below.

    • Joining offer: Individuals who avail Tata Titanium cards will receive a joining bonus of 500 reward points worth Rs.500. However, the reward points will be credited only when the cardholder spends Rs.2,000 or more within 60 days of issuing the card. The offer is available only on Croma Titanium and Titanium card.
    • Welcome gift: Cardholders will receive offers and gift vouchers from Tata partner outlets and other brands as welcome gift
    • Cash back offer: The Tata classic cards provide cash back on spends at partner stores including Star Bazaar, Tata outlets, Croma stores and Croma.com. The cash back typically varies from 1.5% to 5% of the transaction value.
    • Annual fee waiver: Termed as spend based fee reversal, cardholders can enjoy annual fee waiver, if the spends in the previous year equals Rs.90,000 or more.
    • Empower points: Tata Empower points are the reward points offered by Tata. Cardholders can earn a minimum of one reward point for every Rs.100 spent on the card while enjoying accelerated benefits on spends made at departmental and grocery stores.
    • Saving on fuel costs: Using Tata Titanium cards to pay for fuel purchases will relieve the cardholders from paying addition fuel surcharge, which is typically charged on card transactions at fuel stations.

    Comparison Of Features And Benefits Of Tata Classic Credit Cards

    Features and Benefits Tata STAR Titanium Card Tata Titanium Card Tata Croma Titanium Card
    Joining Benefit NA 500 empower points worth Rs.500 on spends of Rs.2,000 or above within 60 days of receiving the card 500 empower points worth Rs.500 on spends of Rs.2,000 or above within 60 days of receiving the card
    Welcome Gift e-gift voucher from Star Bazaar Gift vouchers from partner outlets and other brands Gift vouchers from partner outlets and other brands
    Cash Back offer 3.5% on spends at Star Bazaar and 5% cashback at select Tata outlets 1.5% cash back at Croma and cromaretail.com and 5% at Tata partner stores 1.5% cashback at Croma and cromaretail.com and 5% at Tata partner stores
    Fee waiver Spend Rs.90,000 or more in the first year and get a fee waiver for the second year Spend Rs.90,000 or more in the first year and get a fee waiver for the second year Spend Rs.90,000 or more in the first year and get a fee waiver for the second year
    Empower Points One reward point on every Rs.100 spent on the card One reward point on every Rs.100 spent on the card One reward point on every Rs.100 spent on the card
    Accelerated Empower Points 3 times more reward points on spends at departmental and grocery stores 3 times more reward points on spends at departmental and grocery stores 3 times more reward points on spends at departmental and grocery stores
    Fuel surcharge waiver Fuel surcharge waiver applicable for fuel purchases worth Rs.500 to Rs.3,000 Fuel surcharge waiver applicable for fuel purchases worth Rs.500 to Rs.3,000 Fuel surcharge waiver applicable for fuel purchases worth Rs.500 to Rs.3,000

    Besides the above compared features, Tata Classic credit cards offer the following benefits

    • Accepted at about 24 million outlets across the world, including 3.25 lakh outlets in India
    • Allows the cardholders to withdraw cash from over one million Visa or MasterCard ATMs located across the globe
    • Enable users to make online utility bill payments including electricity bill, insurance, or telephone bill
    • Allows balance transfer of credit card dues on other bank cards at lower interest rates
    • Offers Flexipay facility through which cardholders can repay their credit card outstanding in easy monthly instalments

    Tata Credit Cards - Fees And Charges

    Fees and Charges Tata STAR Platinum Card Tata Platinum Card Tata Croma Platinum Card Tata STAR Titanium Card Tata Titanium Card Tata Croma Titanium Card
    Annual Fee Rs.2,999 Rs.2,999 Rs.2,999 Rs.499 Rs.499 Rs.499
    Renewal Fee Rs.2,999 Rs.2,999 Rs.2,999 Rs.499 Rs.499 Rs.499
    Add-on fee NIL NIL NIL NIL NIL NIL
    Interest free credit period 20-50 days for retail purchases 20-50 days for retail purchases 20-50 days for retail purchases 20-50 days for retail purchases 20-50 days for retail purchases 20-50 days for retail purchases
    Finance charges Up to 3.35%p.m. or 40.2%p.a. Up to 3.35%p.m. or 40.2%p.a. Up to 3.35%p.m. or 40.2%p.a. Up to 3.35%p.m. or 40.2%p.a. Up to 3.35%p.m. or 40.2%p.a. Up to 3.35%p.m. or 40.2%p.a.
    Cash Advance Fees 2.5% of transaction amount (Min.Rs.300) 2.5% of transaction amount (Min.Rs.300) 2.5% of transaction amount (Min.Rs.300) 2.5% of transaction amount (Min.Rs.300) 2.5% of transaction amount (Min.Rs.300) 2.5% of transaction amount (Min.Rs.300)
    Cash payment fee Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100
    Cheque pickup Rs.90 Rs.90 Rs.90 Rs.90 Rs.90 Rs.90
    Cheque Fee Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100
    Statement retrieval (per statement) Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100
    Card replacement Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100

    How To Apply For Tata Credit Cards?

    Individuals who wish to apply for Tata Credit Cards can apply online through Tata Cards official website, www.tatacard.com.

    • Steps to apply for Tata credit card online
      • Visit Tata Cards website
      • From the main menu select ‘Personal > Credit Cards’
      • Click on ‘All Cards’ to view all the cards available on the site
      • Choose a credit card of your choice and click on ‘Apply Now’ button available under the card
      • You will be redirected to the online application page, where you need to fill the required fields with the applicant’s details.
      • Once the fields are filled, check the confirmation box and click on ‘Submit’

    Once the company receives the application, you will receive a communication either from Tata Card or SBI cards regarding the issuance of the card. You will be informed about the next steps in the application process by the corresponding representative.

    • Apply for Tata Cards offline

    Alternatively, individuals who wish to apply for Tata credit card can visit any of the SBI branches to get an application form. Fill the application form, attach the required documents and submit the same to the bank to initiate the credit card application process. The bank will timely update you with the latest status of your credit card application.

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