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    We found 1 TATA Croma Platinum Credit Card
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    TATA Croma Platinum Credit Card is Rated as "Great!" by 5 Users
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    TATA Croma Platinum Credit Card

    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.

    Benefits of a Tata Croma Platinum Credit Card:

    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
    Bonus Rewards:

    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.

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

    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.

    Features of a Tata Croma Platinum Credit Card:

    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.

    Documents required:

    • PAN card (Mandatory)
    • ID proofs (Any one) -
      • Passport
      • PAN Card
      • UID Aadhar Number
      • Driving License
      • Voter’s ID

    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.

    Fees & Charges:

    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.

    Tata Croma Platinum Credit Card FAQs:

    1. What are the different card payment options available to Tata Croma Platinum Credit Card holders?

      Credit card payments can be made using the following services from State Bank of India.

      • Cash Payments
      • Electronic Bill Payments
      • Electronic Clearing Services
      • Locate & Pay NEFT Payments
      • Online SBI Banking
      • Over the Counter Payments
      • Paynet- Pay Online
      • SBI ATMs
      • SBI Auto Debit
      • SBI Mobile Banking
    2. Does State Bank of India levy any processing fees for balance transfers from other bank credit cards?

      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.

    3. What is the interest rate charged by SBI for the balance transfer on EMI option?

      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.

    4. What are the different tenure options available to customers under the Flexipay facility?

      Card holders can choose any repayment tenure ranging between 6, 9, 12 and 24 months.

    5. Are there any charges levied if a cardholder chooses to pre-close the availed Encash plan?

      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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  • TATA Croma Platinum Credit Card Reviews

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      "Very good offers"
      0.5 4.0/5 "Great!"
      I hold a another credit card with SBI. There is a limit of 1.76 Lakh. It is a simply click credit card and if I spend 90K on a yearly basis the charges are waived off. It is of 499 plus tax. There are offers on Shop clues and flip kart and Amazon. There are cash back 5 to 10%. I also get 10 points on Amazon. The points can be used for amazon gift card and clear trip. I can also use the points on book my show too. The value of one point is 0.25paisa.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      SBI credit card has nominal yearly fee around Rs. 499, I got bonus points around 2000 I spent more than Rs. 20,000. SBI gives lots of offers on shopping, swiping etc, credit card is convenient to use. But credit limit is low compared to other banks.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Must enhance limit"
      0.5 4.0/5 "Great!"
      Though the process is good with SBI for the FBB styleup credit card and I got it on time. The credit limit is only of 10K and the reason is because I already have another credit card with the bank with a higher limit. There are charges of 600 I am not having much of offers too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Need to work on the updates"
      0.5 3.0/5 "Satisfactory"
      There is no difficulties with SBI for the credit card. I cleared my payments and still showing there is due amount. They have not updated my payment. Else it is okay. The credit limit is okay. It is a Chargeable card of Rs499. I got it within 4 or 5 days.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Customer service should be improved"
      0.5 4.0/5 "Great!"
      SBI is also new card, one month back only I have availed that card. I approached directly bank to avail the card, there was very documentation because I am an existing customer of the bank. So I though to have credit card from existing bank to make convenient transaction.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Good for Shopping"
      0.5 4.0/5 "Great!"
      I have FBB credit card, they give good offers on big bazaar for any shopping like clothes and accessories, I do get discount upto 10% on shoppings. For Rs.1000 purchase they give flat 10% discounts. Overall its a good card for the shopping purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      It is a good process with State Bank of India and on time as well for the simply save credit card. Everything is fine about the card and the limit as well. There are all the offers available and it has been good overall. I am not sure on the annual charges.
      Was this review helpful? 0
      , jaipur
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Customer service should be improved"
      0.5 3.0/5 "Satisfactory"
      SBI customer care is not satisfactory, they wont respond to the customer queries. But the credit card has good offers, If I purchase any grocery, any products they are providing good points based on the transaction. Even the credit limit is nominal around Rs. 80,000.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Average Credit Card"
      0.5 3.5/5 "Pretty good"
      I can login from anywhere for this Credit Card, they have this facility which is not available in my other card. I can directly go to their bank account and make payment from other bank account also. One drawback of the card is that they said the Card to card transaction was available but it is curtailed to type of card that you are using. One can only transfer money from Visa to Visa or Master to Master card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "So far so good"
      0.5 5.0/5 "Blown Away!"
      The SBI prime credit card is so far good. I used the card for 50k in the first month itself and when ever I used it, the experience was good and no hassles. The credit limit was sanctioned as required, it is of 4.40 Lakh . The first year it is a free card and after which there are charges of 3K.
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      , new delhi
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been banking with SBI for last one year,the limit on the card is 22,000,they have not increased the limit as I am expecting more.The customer service is not up to the mark.I would say this card is not useful at all the features are not good.They had given Capital first card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Good. Charges can be reduced"
      0.5 4.0/5 "Great!"
      I hold a simply click credit card with SBI. The documentation was taken on time and the card was dispatched on time too. The limit is not up to the mark, but it is fine. They have offered me 80K. It could have been better. There are charges for the card. There are cash back offers and rewards and also the surcharge on fuel is waived off.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Unhappy with the services"
      0.5 2.0/5 "Expected more"
      State Bank of India is not up to the mark. I hold a credit card. The services are also not okay too. They would not answer to the query I ask and would respond something else. So I keep this card as the last option. They also charge a lot when compared to the other banks,
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I had applied for a SBI IRCTC credit cad but I have got the SBI SIMPLY SAVE CREDIT CARD from SBI, The service need to be transparent from the State bank of India. The product which I have choose I haven't got it from the state bank of India. The credit limit value is average with the SBI SIMPLY SAVE CREDIT CARD.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Satisfied with SBI credit card"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI with a limit of 2 lakhs. I am satisfied with the limit. I have received cash back and reward points with the card. There is an annual charge of 499 is there with the card.I am comfortable with the mobile banking with the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Average Experience"
      0.5 3.0/5 "Satisfactory"
      I have a Simply Save Credit Card from SBI. It's a good card to hold on too. I haven't used the Card that much though. They have offered me a low Limit of Rs.45000 in it. Customer care was proper, not that great though. The card is a Annually free card.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with State bank of India credit card department. I feel the rate of interest and charges is fine with State bank of India credit card team. It is really hard to redeem the reward points and only way to redeem the reward points is booking the train tickets specifically in the Ac coach through my Sbi Irctc credit card department.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
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      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Best banking"
      0.5 5.0/5 "Blown Away!"
      I am holding a credit card of SBI ,the limit on the card is 45,000, I had been using this card for last one year.No offers were give till date,i make payments. The card type is SBI prime.I have an EMI options on this card.Bankers do give prompt response.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I got the SBI SIMPLY CLICK CREDIT CARD around 8 months ago. The customer support service is below average with the State bank of India, they are not giving proper response to the customers and they are not fulfilling the customer's requirement. I am satisfied with the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
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