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

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

    Tata Classic Credit Cards

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

    Features and Benefits of Tata Premium Credit Cards

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

    • 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

    Features and Benefits of Tata Classic Credit Cards

    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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    Tata Credit Cards Reviews

    • SBI Cards
      "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? 207
      , hyderabad
      Reviewed on Mar 21, 2020
    • SBI Cards
      SBI Cards
      "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? 181
      , hyderabad
      Reviewed on Mar 21, 2020
    • SBI Cards
      "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? 180
      , faridabad
      Reviewed on Mar 21, 2020
    • SBI Cards
      "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? 223
      , gurgaon
      Reviewed on Mar 21, 2020
    • SBI Cards
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have used SBI credit card for 3-4 years. It is a very convenience card, there is possibility of increasing my credit score. The credit limit is Rs.37000 which was not up to the mark, this card have more offers if i'd do online shopping through flipkart .This a chargeable card with an amount of 499 along with GST. I do my credit card bill payment through online.
      Was this review helpful? 13
      , kolkata
      Reviewed on Mar 21, 2020
    • SBI Cards
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was only one month that i got the credit card with SBI. But it was nice because I used to get many offers sms. I used this card for shopping, fuel, ticket and for others purposes also. The bank agent came and collected the documents, the limit of the card is Rs.54000. This is a chargeable card, it cost 500 rupees per year.
      Was this review helpful? 12
      , bangalore
      Reviewed on Mar 21, 2020
    • SBI Cards
      "Best card "
      0.5 4.0/5 "Great!"
      SBI has offered an annual fee chargeable card of 499 plus GST but there is waiver off option if I spend 1L within a year hence I applied this card through online and received it by one week. The credit limit is low of 57K only. There are good offers and benefits for online shopping. I am not aware about EMI conversion. For every purpose I need to contact customer care only. When I applied a card they made to take an insurance with charge of 500 rupees but still I didn't receive the documents yet.
      Was this review helpful? 11
      , hosur
      Reviewed on Mar 21, 2020
    • SBI Cards
      "Need to improve customer service & enhance the limit "
      0.5 2.0/5 "Expected more"
      SBI customer service is not providing good response whenever I contact them. The rate of interest is high. They have deducted 100 rupees for cheque transaction purpose. The limit is low of 63K. I am holding this card for 8 years. I am not getting any calls or message for an update. It is a life time free card. It is a Visa card. My payments are done on time so no idea about EMI facility. But there is no much benefits when I compared with usage.
      Was this review helpful? 32
      , chennai
      Reviewed on Mar 21, 2020
    • SBI Cards
      "Good service"
      0.5 4.0/5 "Great!"
      I have opened my bank account in State Bank Of India before 3 years and I decided to take credit card from the same bank.The credit limit of the card is sufficient for me. If bank provide the statement on time, it will be good and I used to pay credit card bill through online.
      Was this review helpful? 5
      , pune
      Reviewed on Mar 21, 2020
    • SBI Cards
      "Need to improve their service "
      0.5 1.0/5 "Really Bad"
      I have paid first bill payment for SBI card without any issue. But at that time they have intimated of 8K Yatra voucher but still I didn't get it. So I contacted the banker twice for voucher issue but there is no proper response from their end. It is an annual fee chargeable card of 499 plus GST and it will be reverse in first bill payment but not done yet. The credit limit is sufficient.
      Was this review helpful? 13
      , surat
      Reviewed on Mar 21, 2020
    • SBI Cards
      "good service"
      0.5 5.0/5 "Blown Away!"
      I have just got the card one month ago, I have done less transactions and till now I haven't got my bill payment. The credit card is good but i am not satisfied with the credit limit of 37000 rupees only. Hope they increase the limit apart from that its fine.
      Was this review helpful? 7
      , surat
      Reviewed on Mar 20, 2020
    • SBI Cards
      "User friendly"
      0.5 5.0/5 "Blown Away!"
      SBI credit card have a credit limit of 75000 rupees, its a chargeable card of Rs.500 per year along with 87 rupees of GST. The card have a reward points of 500 from amazon if I spend Rs.5000 then only i can redeem the rewards points. I used this card for hotel booking, petrol surcharge and
      Was this review helpful? 6
      , tirunelveli
      Reviewed on Mar 20, 2020
    • SBI Cards
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have a SBI credit card which i have been using it recently, so far i have not faced any issues. I used this card for online shopping and other purchases.I get many cash back offer and reward points.The credit limit of the card is 46,000rupees, i wish the bank can increase the credit limit more.
      Was this review helpful? 5
      , jalandhar
      Reviewed on Mar 20, 2020
    • SBI Cards
      "Very good card"
      0.5 5.0/5 "Blown Away!"
      I am having SBI credit card with a limit of 120000 and its a life time free card,the bank provide my statement on time,by using this card i used to get offers on malls and groceries.I pay my bill directly through the bank.But no ATM is available nearby.
      Was this review helpful? 10
      , rajkot
      Reviewed on Mar 20, 2020
    • SBI Cards
      "Ok service"
      0.5 4.0/5 "Great!"
      I have been using SBI credit card recently and I am having a good experience where I get offer from YATRA, the card charges are affordable its only Rs. 500 in a year along with GST.I used to do my card payment directly from the bank, the card limit is 50,000 rupees and I am using this card for general purposes.
      Was this review helpful? 8
      , hyderabad
      Reviewed on Mar 20, 2020
    • SBI Cards
      "Good Service"
      0.5 4.0/5 "Great!"
      I have availed SBI card for business purpose it is used mostly.For all online transaction and the credit limit was less it was 47000 and using for the past 2 months only .cash back offers and reward points are not there .I am paying the credit card bill through online .I have not faced any issues so far and for online transaction will;l be getting otp.
      Was this review helpful? 6
      , hooghly
      Reviewed on Mar 20, 2020
    • SBI Cards
      "Okay"
      0.5 5.0/5 "Blown Away!"
      SBI has processed all things was very simple and after that executive came and finalized. I am not happy with the credit limit which i got very less , need to increase the credit limit. Annual charges are Rs. 499 within 2 months if i spend Rs.20k i will be getting 500rs as a reward points. That points can convert as a cash back i use to pay my bills, if i spend RS. 1L in a year from the 2nd year onward its a free card.
      Was this review helpful? 7
      , kochi
      Reviewed on Mar 20, 2020
    • SBI Cards
      "Okay"
      0.5 3.5/5 "Pretty good"
      I have applied SBI credit card through online channel and the customer service was average. Documents collected by executive and about credit limit i am not happy they committed Rs. 3L, but they given only Rs. 75K need to increase the credit limit.
      Was this review helpful? 15
      , mumbai
      Reviewed on Mar 20, 2020
    • SBI Cards
      "OK credit"
      0.5 3.0/5 "Satisfactory"
      Am using SBI credit card for two months, its a chargeable card of Rs. 500 but the bank charge me more than that along with GST, the credit limit is 37000 rupees which was not sufficient .The card have a rewards points but I have not check. I have just activated the mobile banking and have not used it for now. I wish the bank can increase the credit limit of the card.
      Was this review helpful? 9
      , pune
      Reviewed on Mar 20, 2020
    • SBI Cards
      "Best card"
      0.5 4.0/5 "Great!"
      The bank agent called me and told to apply credit card from SBI. I have been using the card for two months but I am not happy with the credit limit because it is only for 39,000 as i am expecting credit limit of more than 1L ,the card have some reward points but there is no offer is available in the card. I would like to give some suggestion to the bank to give transaction facility to credit card like the debit card which I have.
      Was this review helpful? 23
      , patiala
      Reviewed on Mar 20, 2020
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