Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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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    Customer Reviews

    • RBL Bank Credit Card
      "Easy to convert for EMI "
      0.5 4.0/5 "Great!"
      I got RBL card offer from BAJAJ Finance. I have been using this card past 10 months which is a life time free card. The credit limit is sufficient of 55K. EMI conversion is avail and I can convert via mobile app whenever required with nominal charge. I use this card for general purpose. Based on usage I get points but not yet redeem it.
      Was this review helpful? 113
      , chennai
      Reviewed on Mar 21, 2020
    • SBI Cards
      SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      SBI credit card have offers and reward points but I have not redeem them yet, this is a domestic card, the credit limit is of 50000 which I am very much satisfied as per my need. I got my statement on time. I used this card for personal purposes.The card is very user friendly.
      Was this review helpful? 116
      , hyderabad
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Ok service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card for more than three months, there are some reward points and offers in the card. I used this card for online shopping, fuel surcharge and groceries.The credit limit of the card is sufficient and I like the most about the card is that it is a life time free card and very good to use.
      Was this review helpful? 112
      , hyderabad
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Ok service"
      0.5 5.0/5 "Blown Away!"
      The bank agent suggest me to take credit card from INDUSIND and I have taken it because it doesn't have any annual fee. The offer and reward points are available in the card are good. I am satisfied with the limit of the card. I used the card for general purposes. But it will be nice, if the offers and reward points will be more.
      Was this review helpful? 95
      , jaipur
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I am using INDUSIND credit card for 3 months. The card have no offers available and also there is no rewards. The only benefit is that its a life time free card and the credit limit is only for 75000 I am not that satisfied as i expected to get around 1.5 lakh. Apart from the limit over all experience is good.
      Was this review helpful? 87
      , chennai
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have got INDUSIND credit card few months ago and I have used it for two months now ,the credit limit of the card is Rs.70000 which is a life time free card. The bank have informed me every details about the reward points and offers but I have not got any time check it. I am satisfied with their card service.
      Was this review helpful? 88
      , hyderabad
      Reviewed on Mar 21, 2020
    • ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Am having ICICI credit card for two years, I feel good and have not face any issues. The best part about the card is its a life time free card. I used to get my card statement on time. I used this card for shopping, groceries and for many other personal purposes.I am using the bank mobile app which function smooth and simple.
      Was this review helpful? 109
      , faridabad
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have used SBI credit card for 2-3 months, but I have not got any time to check about the offers available in the card. The limit of the card is 38000 and I am satisfied because its a life time free card. I used to get my card statement on time and the net banking is also working very well.
      Was this review helpful? 115
      , faridabad
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service "
      0.5 4.0/5 "Great!"
      Since it is a life time free card offer from INDUSIND so I chosen it and applied through online. I received a call on time and they have done the verification process. Hence I received the card by 7 days, the credit limit is okay for me. Its easy to use for all purposes.
      Was this review helpful? 88
      , chennai
      Reviewed on Mar 21, 2020
    • Citibank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      CITI has provided good offers and benefits on 2 months before. So I chosen this card and applied through online. It is annual fee chargeable of 500 rupees bu there is waiver off option if I spend 30K within a year. The credit limit is 65K. There is EMI conversion avail for this card.
      Was this review helpful? 83
      , coimbatore
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "very good"
      0.5 5.0/5 "Blown Away!"
      I have used credit card from HDFC bank for 1 year which is very good and also very comfortable, its a life time free card and lots of offers are available in the card. This card was suggested to me by my colleague. Mobile banking also functions very smooth.
      Was this review helpful? 123
      , bangalore
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Average service"
      0.5 4.0/5 "Great!"
      INDUSIND bank credit card have an credit limit of of Rs.75000, there is no offers available in the card and it also have a charges of 3000 along with GST. I hardly receive any remainder messages for my bill payment due to that some time I could not pay my bill on time. I would advise them send my bill on time before the due date.
      Was this review helpful? 90
      , bangalore
      Reviewed on Mar 21, 2020
    • ICICI Bank Credit Card
      "Need to increase the credit limit "
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI card for more than one year. They have provided an annual fee chargeable card and waiver off option is applicable. The credit limit is okay of 50K. Since I need to do purchase about 45K on some of the month so this limit is not sufficient. I swipe the card for travel, shopping and fuel purposes. I have not opted for EMI conversion.
      Was this review helpful? 96
      , kolkata
      Reviewed on Mar 21, 2020
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using AXIS bank credit card for 3 years, Its a life time free card so I applied the card through bank. The agent have informed me everything about the card. I used to get offers of 10% on petrol bunk and shopping.The limit of the card is Rs.45000 and I used to pay my bill directly through bank.I am also using their net banking which is very good.
      Was this review helpful? 118
      , kolkata
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I got INDUSIND credit card from few months ago.The card have an EMI conversion. I used the card for multi purposes like shopping, online payment, ticket booking. This is annually chargeable card, I am not satisfied with the credit limit of Rs.75000 as I am expecting more than than 1 lakh.
      Was this review helpful? 94
      , kolkata
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I got a life time free card offer from INDUSIND bank hence applied through online on three months back. I received the call on time and the process was done on smooth. I got the card on exact time frame. The credit limit is sufficient and they provided good offers and benefit as well.I use this card for shopping and travel purpose.
      Was this review helpful? 79
      , kolkata
      Reviewed on Mar 21, 2020
    • RBL Bank Credit Card
      "Average service"
      0.5 1.0/5 "Really Bad"
      RBL credit card is a chargeable card, I always have to go to Bajaj Finance to pay my credit card bill. I am not satisfied with the customer service which has to be improved. I used this card when ever needed for shopping, fuel surcharge and bill payment.The limit of the card is fine.
      Was this review helpful? 116
      , ranchi
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card is very convenience to use, I have been using the card for 4.5 months for Shopping, groceries, fuel surcharge and electricity bill payment also. I pay my credit card bill through ATM. I always get my bill on time, this card was suggested to me by the bank agent.
      Was this review helpful? 105
      , ranchi
      Reviewed on Mar 21, 2020
    • RBL Bank Credit Card
      "Okay service "
      0.5 3.0/5 "Satisfactory"
      I used RBL card for twice only. I get message or call for EMI conversion from banker. It is a life time free card. Once all the process done I received the card by 15 days. I am holding this card past 6 months. The credit limit is sufficient of 30K. Once I tried to convert for EMI of 3 months it was done on time without any problem. It is Bajaj card.
      Was this review helpful? 88
      , chennai
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI credit card for the last two months, the credit limit of the card was satisfied it was Rs.9,80,000. The bank agent came and collect my document he have informed me every detail about the card. The card have a charges of Rs.2299 in a year. I used to pay my credit card bill through bank. Am getting my card statement in softcopy but I wish the bank can send me a hard copy statement also.
      Was this review helpful? 129
      , gurgaon
      Reviewed on Mar 21, 2020
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