How can the extended credit feature on the card be used?

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.

Can I apply for an add-on card?

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.

What are the charges levied on Cheque Bounce/ Invalid Cheque?

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.

What is the fee charged on card upgradation?

Fee charged on card upgradation by the Bank can be up to Rs. 500.

Credit Cards

Home Loans

Personal Loans

Other Loans

Calculators

Investments

Credit Score

Govt. Utility Documents

Download Mobile App

Insurance

Resources

BankBazaar

TATA Croma Titanium Credit Card

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.

Features of Tata Croma Titanium Credit Card

Tata Croma Titanium Card is accepted worldwide in multiple merchant outlets around the world. The card can be used in any merchant store which accepts MasterCard.
The card also offers flexible credit facility. Your outstanding payments can be paid-off easily with the convenient extended credit option.
This credit cards enables quick and easy booking of railway tickets to any destination catered to by IRCTC. You can book tickets from the convenience of your home by booking tickets online through IRCTC.com and using your Tata Croma Titanium Credit Card at the payment gateway.
Through the Utility bill payment facility, a cardholder can schedule his/her regular bill payments for utilities. E.g.: Electricity bill, phone bill, etc. This enables the customer to pay all their dues on time.
You can also save on your fuel purchases across all petrol pumps in India as there is a fuel surcharge waiver applicable on this credit card.
This card is highly secured and poses no threat of fraud or malpractice. In case of emergencies the Tata Credit Card Customer Care is available around the clock to provide immediate assistance.
Avail the balance transfer facility on this card to consolidate and repay your existing dues on your other credit cards at a much lower rate of interest.
Flexipay is a feature that is enabled on this card, through which a cardholder can make any purchase and convert it into easily payable monthly installments. A comparatively lower rate of interest is applicable on this installment plan.

Other Tata Credit Cards

Benefits of Tata Croma Titanium Credit Card

Get 500 Empower Points which are worth Rs 500, if you make purchases worth Rs 2000 or more on the card. This has to be done within 60 days of getting this credit card, in order to be valid.
Avail "Value Back" Benefits: Customers can avail a value back benefit of 1.5% on all purchases made in Croma and in Croma retail website, using the Tata Croma Titanium Credit Card. On all other purchases made in Tata Outlets, you can get as much as 5% Value back.
You can also get great offers and discounts on purchases made at any Tata Partner outlets and other national brands, as a welcome offer.
Upon using the card for purchases in Departmental stores as well as grocery stores, enjoy three times more points on each Rs 100/- spent.
Upon using the card for retail spends enjoy 1 point for each Rs 100/- spent.
Get cashback of Rs.1 for each Reward Point earned.
Fee reversal: Get your annual fee on the card waived if you spend up to Rs. 75,000 or more on the card, annually.
Fuel Surcharge: Enjoy a fuel surcharge of 2.5% in all fuel stations by using this credit card.

Tata Croma Titanium Credit Card Fees and Charges

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

Apply For Credit Card on BankBazaar

Credit cards make payments easy for all expenses online and offline while offering various benefits

Find a Card >>

FAQs on Tata Croma Titanium Credit Card

How can the extended credit feature on the card be used?
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.
Can I apply for an add-on card?
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.
What are the charges levied on Cheque Bounce/ Invalid Cheque?
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.
What is the fee charged on card upgradation?
Fee charged on card upgradation by the Bank can be up to Rs. 500.

Types of Credit Card

Credit Card by Banks

Articles on Credit Card

Credit Card Customer Care

Credit Card Bill Payment

Credit Card Eligibility

Disclaimer

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.

Explore More:

Credit Card:

Credit Score:

Personal Loan:

Home Loan:

Fixed Deposit:

Calculator:

Learn More:

Others:

Mobile Apps:

support[at]bankbazaar[dot]com