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
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
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
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:
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 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 are the late payment fees that are charged?
Outstanding Amount Due
Late payment Fees
Total Amount due ranging from Rs.0-Rs.200
Total Amount due greater than Rs.200 & up to Rs.500
Total Amount due greater than Rs.500 & up to Rs.1000
Total Amount due greater than Rs.1000 & up to Rs.10,000
Total Amount due greater than Rs.10,000
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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I hold a Tata Croma Titanium credit card with State Bank of India. I get good value on the rewards. I get one point on every 100 spent. The value is 1 point is equal to 1 rupee. If I use the card for a lakh I would get 1000 points which is equal to 1000rs.
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SANTHOSH KUMAR SEKAR
Reviewed on Mar 21, 2019
There is a fee of Rs. 2999 annual fee +Tax. If i purchase by using this card in TATA CROMA store, i will get a 5% discount on all the products. I will get cashback also. They will provide Rs. 2999 voucher from TATA CROMA which i can purchase in their outlets. They have sent me a bill to pay the annual fee.
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, new delhi
Reviewed on Dec 17, 2018
I have SBI titanium credit card ,the service is best with SBI for my credit card service they provide good offers customer service was good and the charges is also fine with SBI for my credit card service ,it was a good experience with SBI for my credit card service.
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SHEIK MOHAMMED MUSHTAQ
Reviewed on Nov 08, 2017
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.
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