Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 TATA Croma Titanium Credit Card
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    TATA Croma Titanium Credit Card

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    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 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 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 card 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 Card Customer Helpline 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.

    Benefits of Tata Croma Titanium 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.

    Fees and Charges:

    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

    Tata Croma Titanium Credit Card FAQs:

    1. 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.

    2. 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 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.

    3. 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.

    4. What are the late payment fees that are charged?
      Outstanding Amount Due Late payment Fees
      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
    5. What is the fee charged on card upgradation?

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

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  • TATA Croma Titanium Credit Card Reviews

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      I thought of applying for a credit card with SBI, as I bank with SBI. To my surprise the bank effortlessly processed my credit card request without any hassle. Its been a year now since, I am holding this card and I did not face any trouble whilst using this card.
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      , madurai
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    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using SBI credit card from last 4 years, the services provided by SBI credit card is good comparatively. I paid an one time fee at the time of getting this credit card. The offers are very limited when compared to other credit cards. I use this card for purchasing goods and i am also satisfied with the credit limit.
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      , hyderabad
      Reviewed on Oct 21, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card from last 8 months, the services provided by SBI credit card is good when compared to all other credit cards. They charged an annual fee of Rs. 500 which is less. I get good offers like cash back and reward points. I use this card for purchasing and booking train tickets. The credit limit is less comparatively.
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      , chennai
      Reviewed on Oct 21, 2017
    • SBI Cards Credit Card
      "average service"
      0.5 3.0/5 "Satisfactory"
      I am not happy with STATE BANK OF INDIA credit card service because it was about 3 years I am using STATE BANK OF INDIA credit card they never have increased my credit profile also the customer service is not much as I expected there are no offers . Lastly, the service that I received from STATE BANK OF INDIA is average.
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      , hyderabad
      Reviewed on Oct 20, 2017
    • SBI Cards Credit Card
      "good service"
      0.5 4.0/5 "Great!"
      The service from STATE BANK OF INDIA regarding my credit card service is good also they use to provide me with good offers regularly but their credit limit is very low till now they never make my credit limit high it was still 79 but the service from STATE BANK OF INDIA is very good for my credit card service.
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      , chennai
      Reviewed on Oct 20, 2017
    • SBI Cards Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      Compared to AXIS, SBI is quite okay, but we can't expect good customer service it was average. I have use it very less but SBI have some discounts in some purchasing depend upon their partner its all very limited. For normal usage can accept SBI card.
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      , bangalore
      Reviewed on Oct 20, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using SBI credit card from last 6 months, the services provided by SBI credit card is comparatively good. I got a mail from the online portal regarding the credit card, I applied for it and within 15 days i got my credit card. I get good offers like cash back and reward points. I use this card for filling fuel and i am also satisfied with the credit limit which was provided by SBI.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 20, 2017
    • SBI Cards Credit Card
      "Excellent services & options"
      0.5 5.0/5 "Blown Away!"
      The best I prefer in the SBI Credit card is if one choose to go for the balance transfer option. The rate of interest is very much minimal and sometimes I pay without any interest rate being charged. This happens when are are offers. I also have EMI options.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 20, 2017
    • SBI Cards Credit Card
      "Good to use and good to hold"
      0.5 4.5/5 "Excellent!"
      I would say SBI is a good credit card, I am holding simply click credit card there is no annual charges applicable. I am getting good reward points, based on the website and retail shop I used get redeem points. I used get voucher like amazon or flipkart for the redemption.
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      , bangalore
      Reviewed on Oct 20, 2017
    • SBI Cards Credit Card
      "good service"
      0.5 4.0/5 "Great!"
      The service from STATE BANK OF INDIA is very good but for the past 2 months I am trying to reach the STATE BANK OF INDIA customer service I have some problem in transferring the emi there process is very long they will take lot of time to complete the process still the service is good from STATE BANK OF INDIA for my credit card service.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 20, 2017
    • SBI Cards Credit Card
      "excellent service"
      0.5 5.0/5 "Blown Away!"
      I have using STATE BANK OF INDIA credit card for a long time the service from STATE BANK OF INDIA is very excellent the customer service is good the response is really very good from STATE BANK OF INDIA also I use to get good offers and I use to get regular intimations of payments the service of STATE BANK OF INDIA is excellent.
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      , new delhi
      Reviewed on Oct 20, 2017
    • SBI Cards Credit Card
      "average service"
      0.5 3.0/5 "Satisfactory"
      I have a gold card with STATE BANK OF INDIA credit card I use to get some good and regular offers from STATE BANK OF INDIA even the rate of interest was fine with STATE BANK OF INDIA but the emi charges was little high with STATE BANK OF INDIA credit card service .
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 20, 2017
    • SBI Cards Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      Though I have not approached State Bank of India for a loan. I bank with them for a credit card and they are doing good on the offers and the credit limit. The rewards are decent, I am able to redeem the points too. The charges are very much normal too.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 19, 2017
    • SBI Cards Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      I also bank with State Bank of India for a credit card and the offers on the card is more than satisfactory. When ever I used my card there are no technical issues. There are proper rewards and the points can be redeemed too. The charges are also normal.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
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      Was this review helpful? 0
      , new delhi
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    • SBI Cards Credit Card
      "SBI is better than others"
      0.5 5.0/5 "Blown Away!"
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      Was this review helpful? 0
      , new delhi
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    • SBI Cards Credit Card
      "Credit card"
      0.5 5.0/5 "Blown Away!"
      To start off, I would say my SBI credit card is a special card where if we waive the card, the card would get swiped instead of swiping the card in the EDC terminal. On my SBI credit card, I was offered a balance transfer option, depending up on my credentials, I get some offers and varies accordingly. I am holding this credit card of SBI for the past 2 months.
      Was this review helpful? 0
      , pune
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    • SBI Cards Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      I hold a credit card with State Bank of India and the offers on the card is fine. The customer services and response is good when I reach out to them for a query. The bills are clear and there are no hidden charges.The credit limit is also to my satisfaction.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "First experience was good one"
      0.5 5.0/5 "Blown Away!"
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      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Good experience"
      0.5 4.0/5 "Great!"
      I have been using my State Bank of India Credit Card for the past two years. I have had a very good experience with them, the card seemed like very useful. Special mention is supposed to be given to their Customer Service. Their communication has been always good.
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      , bangalore
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