Get rewarded for every purchase done at a Tata partner outlet or any other merchant outlet in India. With value back offers, instant rewards, welcome gifts and exclusive lounge access, the Tata Croma Platinum Credit Card welcomes you into a world of never-ending privileges and world class deals. As an international credit card, the sky's the limit, when it comes to earning rewards, offers and discounts from various merchant outlets across the globe. Earn bonus rewards with high-value purchases and enjoy a plethora of value-added services and features, when you become a Tata Croma Platinum Credit Card owner.
Individuals can enjoy exclusive privileges and benefits using a Tata Croma Platinum Credit Card at various partner outlets in India.Welcome Gifts / Anniversary Gifts:
SBI welcomes new Platinum members by rewarding them with exceptional offers and gifts, when they avail a Tata Croma Platinum Credit Card. Customers can get Taj gift certificates for a value of Rs 2000, 50% discount on buffet lunches and weekend holiday packages, complimentary second round of drinks and gift vouchers worth Rs 3000 each from Raymond’s or Jabong.com.Value Back:
Customers can get up to 2% value back on purchases done at Croma outlets and on Cromaretail.com. Additionally, purchase transactions at Tata outlets will get card holders a value back of up to 5%.Rewards Program:
Under the Empower Points program, customers can get 3X rewards points for every Rs 100 spent at departmental stores, grocery and dining outlets and on international transactions. Retail spends can get customers 1 Empower point for every Rs 100 spent.
|Partners||Empower Points Earned|
|Croma||4 points for Rs 200|
|Ginger||4 points for Rs 100|
|Jet Airways||2 points earns 1 JPMiles|
|Star Bazaar||7 points for Rs 200|
|Taj||3 points for Rs 100|
|Tanishq||2 points for Rs 100|
|Westside||5 points for Rs 100|
|World of Titan||4 points for Rs 100|
Tata Croma Platinum Credit Card holders can also earn bonus rewards in the form of gift vouchers, discounts and a one-way domestic full-fare air ticket from Indigo Airlines. Bonus rewards can be got when the annual card spend is equal to Rs 4 lakhs or Rs 5 lakhs.Rewards Redemption:
Accrued rewards points can be redeemed at the rate of 1 Reward point for Rs 1.
Card holders can choose any one of redemption options offered under the Empower Rewards program.
Customers can enjoy complete freedom from paying any surcharge for fuel transactions when the use a Tata Croma Platinum Credit Card. A fuel surcharge waiver of 2.5% is applicable whenever a customer buys fuel or any related product and service at any petrol bunk across India. The fuel transaction amount should fall between Rs 500 and Rs 4000 for the waiver to be applied.Airport Lounge Access:
Tata Croma Platinum Credit Card holders can get access to premium MasterCard airport lounges across India. Customers can also enjoy other services like complimentary F&B, lodging, Wi-Fi, etc.
The Tata Croma Platinum Credit Card comes with exceptional features to suit the requirements of platinum card holders. Some of the key features have been listed below -Global Acceptance:
The Tata Croma Platinum Credit Card can be used at all MasterCard outlets, worldwide. Customers can choose from an exhaustive list of 24 million outlets around the world, with 3, 25,000 merchant outlets in India.Credit Facility:
The extended credit facility offers Tata Croma Platinum Card holders complete flexibility with regards to card payments. Customers can choose to pay any amount between the total outstanding amount and the minimum amount due, as per the monthly statement. The remaining balance can be carried forward to the next month at very low finance charges.Add-on Cards:
Primary Tata Croma Platinum Credit Card holders can also avail add-on cards for their family members namely parents, spouse, siblings or children over the age of 18.Easy Bill Pay - Utility Bill Payments:
Tata Croma Platinum Credit Card holders can conveniently pay their utility bills like telephone bills, electricity bills and even insurance using the Easy Bill facility offered by SBI. Customers have to register for this facility and can also get e-bills and SMS alerts for their transactions. Instant payments towards utility bills can be done using the “Pay Fast” feature. Standing instructions can be set by card holders through Auto Bill Pay, so that utility bill payments are done before the due date.24/7 Customer Service:
Card holders can reach out anytime to the 24/7 Global Customer Assistance Service or the Tata Card Customer Helpline to get assistance for any card related queries and emergencies.Balance Transfer:
Easy outstanding balance transfers can be done from any other bank’s credit card to a Tata Croma Platinum Credit Card at affordable interest rates. Customers can choose between any of the two plans available, based on the interest rates - a) 0% for 60 days or b) 1.7% for 6 months.E-statements:
The monthly statement for a Tata Croma Platinum Credit card will be sent directly to the customer’s email address. This ensures that the customer has 24/7 access to card statements and details.Balance Transfer on EMI:
Tata Card customers can easily convert their high-value purchases into monthly installments using the balance transfer option. The repayment tenure can be taken for either 3 months or 6 months with a processing fee of 1.5% or Rs 199, whichever is higher.Flexipay:
The Flexipay feature from SBI allows customers to repay high-value purchases through easy monthly installments at low interest rates. Any Tata Croma Platinum Credit card transaction for a value of Rs 2500 or above can be converted into monthly installments. Card holders have to contact the Card Helpline to activate this feature within 30 days of purchase. Monthly installment amounts can be as low as Rs 54 for every Rs 1000 spent.Encash:
The “Encash” feature allows card holders to avail instant cash whenever they require for a personal commitment. This facility is pre-approved for Tata Croma Platinum Credit Card holders and does not require any documentation to be submitted. Customers can choose any repayment tenure ranging between 12, 24 and 36 months at low interest rates. SBI charges a processing fee of 2% for availing the Encash facility, with the minimum being Rs 499 and the maximum being Rs 3000.Insurance:
SBI offers the Twin Benefit Insurance Plan from Tata AIG Life Insurance Company Limited inclusive of the Tata AIG Life Group Credit Card Term Insurance Protection Plan and the Tata AIG Life Group Term Life Plan. The inclusions under the group plan are life insurance, terminal illness and coverage for death and permanent total disability for up to Rs 1 lakh.Easy Money:
The “Easy Money” option offers customers instant cash in the form of cheques or drafts, delivered at their doorsteps. A processing fees of 1.5% or Rs 199 is charged, with an interest rate of 2.45% for a period of 45 days. The minimum amount that can be taken is Rs 5000 and the maximum amount that can be taken is up to 75% of the credit limit.Railway Ticket Bookings:
Customers can easily book their railway tickets on IRCTC using their Tata Croma Platinum Credit Card and also have their tickets delivered at their doorsteps.Quick Cash:
Tata Cardholders can make quick cash withdrawals at over 1 million Visa or MasterCard ATMs, worldwide and at over 18,000 ATMs across India. Customers can also make withdrawals at the wide network of SBI ATMs available in India.
Customers will be qualify for a Tata Croma Platinum Credit Card depending on their annual income mentioned at the time of application. SBI determines the eligibility for a customer only based on this criteria.
|Annual Fee||Rs. 2,999|
|Joining Fee||Rs. 2,999|
|Add-on Fee (per annum)||Nil|
|Card Upgrade Fee||Up to Rs. 500|
|Extended Credit - Interest Free Credit Period||20 to 50 days (only for retail purchases)|
|Extended Credit - Charges||Up to 3.35% per month|
|Extended Credit - Minimum Amount Due||5% of the total outstanding amount or a minimum of Rs 200|
|Foreign Currency Transaction||Conversion markup - 3.5%|
|Cash Advance limit||Up to 80% of the set credit limit / Rs 15,000 for Platinum Cards|
|Free Credit Period||Nil|
|Invalid Cheques||2% of Cheque amount|
|Cash Advance - Charges||Up to 3.35% per month|
|Cash Advance fee - SBI or other domestic ATMs||2.5% of the withdrawal amount or a minimum of Rs 300/- per transaction|
|Cash Advance fee - International ATMs||3% of the withdrawal amount or a minimum of Rs 300/- per transaction|
|Card Replacement Charges||Rs. 100|
|Over limit charges||2.5% of the Over limit Amount or a minimum of Rs. 500|
|Late Payment Charges||SBI does not charge any fee for outstanding amounts of up to Rs 200. For amounts above Rs 200, the banks charges late payment fees ranging from Rs 100 to Rs 750, depending on the outstanding amount.|
Credit card payments can be made using the following services from State Bank of India.
Yes, for the 60-day plan customers have to pay 2% or Rs 199, whichever is higher, as the processing fees. For the 6-months plan, no processing plan is levied.
Tata Croma Platinum Credit card customers are charged an interest rate of 0.5% per month for the 3-month plan and 0.75% per month for the 6-month plan.
Card holders can choose any repayment tenure ranging between 6, 9, 12 and 24 months.
Yes, Tata card holders will be charged a foreclosure fee of 3% on the outstanding principal amount, if they repay the amount before the completion of the tenure.
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