Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • loading

    We found 1 TATA Croma Platinum Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    2999
    Response Time : Within 30 minutes
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details
    TATA Croma Platinum Credit Card is Rated as "Great!" by 19 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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.

    Other Top Credit Cards by TATA

  • Tata Titanium Credit Card
  • Tata Croma Titanium Credit Card
  • Tata Platinum Credit Card
  • TATA Croma Platinum Credit Card Reviews

    • SBI Cards Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have to install separate app for mobile banking for the savings account and separate app for their credit card which is very hectic process. I have taken a credit card with SBI which is a TATA Croma Card. Last year November i gor this card. This card comes with a Rs. 500 which is a annual fee and it will get waived off if i spent Rs. 20000 in every month. When they have offered this card. They told me that i will get such nice offers from Chroma Card but i have not received anything when i visited the Croma outlets. In shortly i will close the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 12, 2018
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      I had been using this Credit card for the last three and a half years and i prefer using this card more since there has been good benefits using this card. It has been a TATA card and i had been getting good offers with this card as well, the credit limit which they had given with the card has been sufficient and satisfactory. It has been a hassle free service which they had provided so far.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 06, 2018
    • SBI Cards Credit Card
      "good service"
      0.5 4.0/5 "Great!"
      i have tata croma cc too which is connected with SBI, i get good reward point and offers with electronic item is good ,as i am gadgedfreak i like to buy gadged so croma is good for with electronic item. So they provide good offers in electronics items so for that reason i use this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 01, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI Tata Croma Credit card for a while. SBI is the best, credit limit is higher. The customer support is also good. Reward points system is very good. It has been a very good experience with the card and their services.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 29, 2018
    • SBI Cards Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the SBI Tata Credit card for a while, this card has not got any special features or benefits. They provided a very good limit but what's the point of a good limit with out any special offers or benefits. There hasn't been any issues with their services so far.
      Was this review helpful? 1
      , madurai
      Reviewed on Aug 28, 2018
    • SBI Cards Credit Card
      "Good for purchasing products"
      0.5 4.0/5 "Great!"
      I closed this credit card because of the credit limit. They are not ready to increase the credit limit. I used to receive the cashback and rewards point when i purchase any kind of products especially some electronic goods. They are not deducting any hidden charges. The giving services like value for the money. Even though the limit is less, I'm happy about the services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 29, 2018
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been holding this card for the last 5 years and it had been a very good service which they had been providing so far. The credit limit with the card has been satisfactory and there has been good offers with the card. One point is equal to one rupee where i have been getting almost 3000 points every year. I had been using this card for shopping, fuel, hotel bookings and also for other purchases.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 18, 2018
    • SBI Cards Credit Card
      "Need to improve the offers and rewards points"
      0.5 4.0/5 "Great!"
      I'm getting offers on online purchase. If i purchase any Groceries or mobile, i will get some discounts on that. I got the cashback twice by using this card. I'm using this card from 2015. The credit limit is very less in this card. They have given me only 85000. Offers also not general. Compared to other credit cards, I'm getting very less number of offers. Need to offer more rewards points
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Basic Card"
      0.5 5.0/5 "Blown Away!"
      Nothing special in this SBI card I don't find any offers in this card. I'm paying the annual fee of Rs. 1400 for this card. They did not send any notification regarding the offers and updates so far. I'm using this SBI Credit card for past 6 to 7 months.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • SBI Cards Credit Card
      "Very Good Card"
      0.5 4.0/5 "Great!"
      In SBI Card, They have offered me a credit limit of Rs. 2.37 lakhs. I'm using this card nearly 4 years. Once i called to the customer care to know about the balance transfer. They did very quickly. They are giving reward points, i can redeem the points in their specified outlets.
      Was this review helpful? 0
      , pune
      Reviewed on May 25, 2018
    • SBI Cards Credit Card
      "Good to have"
      0.5 3.0/5 "Satisfactory"
      I got the SBI tata croma credit for more than 3 years. The credit limit value is good with this cad and I am happy with it. There is no annual fee to this card, there is an annual fee to this card but It will get waived off if I use this cad for more than given limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 03, 2018
    • SBI Cards Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      The credit card service is not up to the mark with the State bank of India, but they are good in fulfilling the customers queries. I use the SBI TATA croma credit card for the past 1 year. They haven't sent me any statement till date and the customer support need to be upgraded with their service part.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 31, 2018
    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I hold the SBI TATA croma platinum credit card. I dont get the OTP on time from the SBI and payment is not updating on time., I hold this card for past one year. The customer support service is average with the state bank of India. The credit limit value is average with this card and I am not satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 27, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I use the TATA CROMA CREDIT CARD for past 2 years. Basically I use this card for daily usage like bill payments, grocery and for other usages. The credit limit value is good with this TATA CROMA CREDIT CARD and i am satisfied with it. It is good to use in the croma showroom.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 14, 2018
    • SBI Cards Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      I hold a Tata Croma credit card with State bank of India. The reward points are good. One point is equal to one rupee. I am using the card for the last five to six years, it is accepted all over and it is comfortable to use it. The limit is not much and it is life time free card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 09, 2018
    • SBI Cards Credit Card
      "Recommedable card"
      0.5 4.0/5 "Great!"
      I hols a tata croma credit card with SBI. My current limit is 1.5 lakhs. The rate of interest for converting an amount to EMI is 14 percentage per year. For EMI conversion they do have some processing fees. There is no annual charge with SBI credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 02, 2017
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a good service from SBI for my credit card service they offered me a limit of 75k the customer service was good and I use my SBI credit card for online shopping purpose also I use to get goof offers and discounts it was a excellent experience with SBI for my credit card service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 15, 2017
    • SBI Cards Credit Card
      "Not recommendable "
      0.5 2.0/5 "Expected more"
      The good thing about SBI Tata credit card is there are EMI options. But the interest rate is very high. It ranged from 14% to 16% . There are points as well but these points can be used only at croma and I cant utilize it on what ever shopping I wish to do. The credit limit is of 50k. There are a lot of hidden charges taken when a transactions is done on a higher amount. There are GST charges added and only the bank can understand the calculation they make. It is advisable to only make a transaction of Rs.500 so a customer can be assured not to pay more than that 500 in the bill.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Good services"
      0.5 4.0/5 "Great!"
      I hold a credit card with SBI. It is a Tata Croma platinum card. I get a lot offers on the card like cash back and rewards points. I can also redeem my points and the credit limit is much to my satisfaction. The statements are on time and there are no charges.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 03, 2017
    Common Loader Icon

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Loading your search...
    Close

    Compare, check your eligibility and apply for credit cards online.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.