With the new Tata Croma Titanium Card which is serviced and operated by SBI Cards, the customer base of “Croma” - TATA’s consumer durables and electronics chain of stores, can enjoy unique privileges exclusive benefits on their purchases. This co-branded credit card offers a value-back of up to 1.5% on all purchases made at Croma outlets and also offers other special privileges to the cardholders, such as: fuel surcharge waiver, free lounge access and a wide range of offers upon joining, sponsored by leading travel and hospitality brands.
| Type of Charge | Fee |
|---|---|
| Minimum Amount Due | 5% of Total Outstanding (Min. Rs. 200) + GST + EMI |
| Annual Fee | Rs. 499 |
| Statement Retrieval charges | Rs.100 for each statement |
| Finance charges on extended credit | Up to 3.35% per month from date of transaction |
| Period of interest-free credit | 20-50 days applicable on retail purchases if outstanding balance of previous month is paid in full |
| Joining fee | Rs.499 |
| Maximum Cash Advance limit | Up to 80% of Credit Limit |
| Cash advance fee applicable at International ATMs | 3% of withdrawal amount or 300/-, whichever is the highest |
| Cheque Pickup charges | Rs.90 |
| Cash advance fee at SBI ATMs/Other Domestic ATMs | 2.5% of withdrawal amount or 300/-, whichever is the highest |
With the extended credit facility that is available on this credit card, a customer can repay his/her outstanding dues as per his/her convenience and ease. This kind of flexibility in the repayment of the credit card bill ensures customer satisfaction and lowers any possibility of defaulting on the payments made. The credit cardholder has the freedom of deciding the amount to be repaid - this can either be just the minimum amount due or a higher amount, or he/she can also repay the entire outstanding amount in lumpsum. The remaining balance, if any, will be carried over to the next month.
Yes. A Tata Croma Titanium Cardholder can share his/her credit limit with his family, with an add-on credit card and this card can be availed free of charge. Add-on card can be availed by the cardholder’s parents, spouse, siblings or children who is at least 18 years old or above.
In case of an invalid cheque submission or cheque bounce, the bank charges the customer a fee of 2% of the cheque value which has been dishonoured. The minimum amount that has to be paid is Rs. 350 and a maximum cap is Rs. 500.
| Total Amount Due | Late Fee Charges |
|---|---|
| Total Amount due ranging from Rs.0-Rs.200 | Nil |
| Total Amount due greater than Rs.200 & up to Rs.500 | Rs.100 |
| Total Amount due greater than Rs.500 & up to Rs.1000 | Rs.200 |
| Total Amount due greater than Rs.1000 & up to Rs.10,000 | Rs.500 |
| Total Amount due greater than Rs.10,000 | Rs. 750 |
Fee charged on card upgradation by the Bank can be up to Rs. 500.
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