TATA Credit Card – Compare, Apply, and Check Reward Points

• Tata Croma Titanium Credit Card
• Tata Titanium Credit Card
• 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.

1. 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.

1. 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.

1. 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.

1. 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.

1. 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.
2. 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.

1. 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

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

1. Lowest finance charges on the carried forward outstanding due
2. Acceptable at about 24 million outlets across the world
3. Allow the cardholders to withdraw cash from over one million Visa or MasterCard ATMs located across the globe
4. Enable users to make online utility bill payments including electricity bill, insurance, or telephone bill
5. Allow balance transfer of credit card dues on other bank cards at lower interest rates
6. Offer Flexipay facility through which cardholders can repay their credit outstanding in easy monthly instalments
7. 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.

1. 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.
2. Welcome gift: Cardholders will receive offers and gift vouchers from Tata partner outlets and other brands as welcome gift.

1. 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.

1. 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.
2. 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.
3. 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

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

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

Fees and Charges for Tata Credit Cards

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

1. Visit Tata Cards website.
2. From the main menu select ‘Personal > Credit Cards’.
3. Click on ‘All Cards’ to view all the cards available on the site.
4. Choose a credit card of your choice and click on ‘Apply Now’ button available under the card.
5. You will be redirected to the online application page, where you need to fill the required fields with the applicant’s details.
6. 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 in 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.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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