TATA Croma Platinum Credit Card

Value Back:

1. 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.

Bonus Rewards:

1. 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.

1. Instant redemptions of rewards points can be done at select outlets by Tata Croma Platinum Credit Card holders.
2. Accrued Empower points can be converted into JPMiles, to be redeemed with Jet Airways.
3. Individuals can contact the Tata Card Helpline to redeem accumulated rewards points.

Fuel Surcharge Waiver:

1. 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:

1. 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.

Features of a Tata Croma Platinum Credit Card

Global Acceptance:

1. 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:

1. 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:

1. 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:

1. 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:

1. Card holders can reach out anytime to the 24/7 Global Customer Assistance Service or the Tata Credit Card Customer Helpline to get assistance for any card related queries and emergencies.

Balance Transfer:

1. 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:

1. 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:

1. 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:

1. 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:

1. 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:

1. 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:

1. 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:

1. 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:

1. 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.

Documents Required

1. PAN card (Mandatory)
2. ID proofs (Any one) -
   1. Passport
   2. PAN Card
   3. UID Aadhar Number
   4. Driving License
   5. Voter's ID

Tata Croma Platinum Credit Card Eligibility

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.

Tata Croma Platinum Credit Card Fees & Charges

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