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

    Card
    1st Year Fee
    Rewards
    Joining Perks
    499
    Response Time Within 30 minutes
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    Fee Details

    TATA Titanium Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    Experience privileges and never before seen rewards and savings with the TATA Titanium Card. This card comes with a plethora of benefits and features with which customers stand to receive a value back of almost 5% on all their purchases. Avail fantastic welcome gifts and offers with the purchase of the TATA Titanium Card. All in all, this is a must have card for everyone.

    Benefits:

    Welcome Offers:

    Customers can procure fantastic welcome gifts and vouchers from TATA outlets and various other national brands.

    Joining Offers:

    On purchases amounting to more than Rs. 2000, customers stand to receive 500 empower points that are worth Rs. 500. This offer is redeemable within 60 days of purchasing the card.

    Value Back:

    TATA Titanium Cardholders also receive a value back of 1.5% when items are purchased from Croma and also the online Croma retail store. Apart from this, users also receive a value back of 5% on Tata Outlet spends.

    Empower Points:

    Customers, for every Rs. 100 spent on Grocery and Departmental Store purchases, will receive 3X points. And on other retail purchases, customers get a point for every Rs. 100 spent. It is to be noted that 1 Reward point is worth one rupee.

    Spend Based Fee Reversal:

    TATA Titanium Card users have a chance to get their annual fees waived off, if they spend Rs. 75000 or more in a year.

    Fuel Freedom:

    Customers can now save money every time they refuel as they need not pay the 2.5% fuel surcharge while using this card, at any petrol pump.

    Features of the TATA Titanium Card:

    Acceptance Worldwide:

    Customers can use their TATA Titanium Card in more than 24 million outlets across the world which includes over 3 lakh outlets within the country itself. Customers need to only look for the sign of acceptance from MasterCard.

    Credit Facility:

    TATA Titanium Card users have the option of an extended credit facility through which they can plan the payment of their outstanding due amount. They have the choice to pay any amount between the minimum amount due and the total amount that is outstanding as per their Monthly Statement. The unpaid balance can then be carried forward at a very low finance charge. Add-on Cards:

    Offering enhanced options to the family,TATA Titanium Cardholders can apply for add-on cards for their family including their parents, children above 18 years of age and their spouse.

    No Fuel Surcharge:

    Customers can now avail the benefit of a fuel surcharge waiver when they use their TATA Titanium Card to purchase lubricants, diesel and petrol at any petrol pump. Fuel should be purchased for an amount between Rs. 500 and Rs.3000 every time for customers to avail this benefit.

    Cash on the go:

    The TATA Titanium card is truly global as it can be utilized in more than a million MasterCard and Visa ATMs world over, which includes 18,000 ATMs within India. Apart from this, TATA Titanium cardholders also have access to more than 10,000 ATMs affiliated to SBI in a 100 cities across the country.

    Online Railway Ticket Booking:

    Using the TATA Titanium Card, railway tickets can easily be booked online through the IRCTC website. All transactions done on the website are subject to IRCTC terms and conditions.

    Easy Bill Pay:

    Utility bills such as telephone, insurance and electricity can easily be paid via the TATA Titanium Card prior to the due date with the Easy Bill Pay facility.

    Peace of Mind:

    TATA Titanium cardholders have global access to the TATA card Customer Helpline and the 24 hr. Global Customer Assistance Services in the event of any emergency.

    Balance Transfer:

    Users now have the option of transferring the outstanding balance from other credit cards to the TATA Titanium Card at very attractive and low rates of interest.

    Flexipay:

    This is an easy and simple installment plan available that allows users to purchase anything they wish and repay the same in convenient monthly installments. The plan that suits their financial standing the best can be chosen and procured at low rates of interest. Users need to place a call to the Helpline within 30 days of the purchase to avail this facility.

    Convenient E-statements:

    TATA Titanium Card holders have 24/7 access to monthly e-statements, delivered to their email inbox thereby avoiding the hassle of lost statements, postal delays and late payments.

    Documentation required for the TATA Titanium Card:

    Documentation Required:
    • PAN card
    • ID proofs (Anyone) -
      • Driving License
      • Passport
      • Voter’s ID
      • UID Aadhaar Number

    Eligibility:

    • The eligibility for procuring a TATA Titanium Card is decided based on the applicant’s declared income and employment, among other factors. Apart from this the eligibility criteria varies for TATA Employees and non-TATA employees. Non-Tata employees can send in a mail requesting for a card to the official TATA Card email id.
    • In case the applicant is a TATA employee, then a form needs to be filled applying for the card with necessary details such as date of birth, residential address, residential number, office address and number and Pan Card among other details.

    Fees and Charges:

    A single time Joining Fee Rs. 499
    Annual Fee Rs. 499
    Add-on Fee per annum Nil
    Extended credit - Interest Free Period A period of 20 to 50 days and is applicable on retail related shopping only and if the outstanding balance amount from the previous month is paid completely
    Extended credit - Finance Charges A maximum of 3.35% per month or 40.2% per annum calculated from the date of transaction
    Extended credit - Minimum Amount Due A minimum of Rs. 200 or 5% of the Total amount outstanding along with Government Service Tax and in the case of loans, EMI is also included.
    Cash Advance Limit A maximum of 80% of the credit limit. A maximum of Rs. 12,000 per day is allowed as the limit for Titanium Cardholders.
    Cash Advance - Free Credit Period Nil
    Cash Advance - Finance Charges A maximum of 3.35% per month or 40.2% yearly, calculated from the transaction date..
    Cash Advance Fees - State Bank of India ATMs and other Domestic ATMs Rs. 300 or 2.5% of the amount withdrawn, for each transaction
    International ATMs Rs. 300 or 3% of the the amount withdrawn, for every transaction
    Cheque Pickup Rs. 90
    Statement Retrieval If over 2 months, then Rs. 100 for each statement
    Chargeslip Request For each chargeslip, Rs. 225 is charged
    Overlimit A minimum of Rs. 500 or 2.5% of the overlimit amount
    Cheque Pickup Rs. 90
    Cash upgrade fee A maximum of Rs. 500
    Foreign Currency Transaction A conversion mark up of 3.5%
    Surcharge - Railway Ticket Rs. 30 plus 2.5% of the transaction amount

    TATA Titanium Card FAQs:

    1. Is there a joining fee charged while procuring the TATA Titanium Card?

      Yes, there is a one-time joining fee of Rs. 499 that is charged while availing the TATA Titanium Card.

    2. How can customers book a railway ticket online using their TATA Titanium Card?

      Customers can now book their railway tickets online by following the simple steps mentioned below.

      • Users need to register on the IRCTC website, which is free of cost
      • They need to log in to their account after creating it by providing their username and password
      • Tickets can then be booked by following the instructions that are given on the website
      • SBI cards can be used to make payments via either of the two gateways provided, both of which accept MasterCards.

      Users should note that the IRCTC website’s terms and conditions governs all transactions made through the website.

    3. Is there a surcharge applicable on railway ticket bookings?

      Yes, there is a surcharge applicable on railway booking. The surcharge amount that is levied varies depending on whether tickets are booked through the IRCTC website or directly at the railway counters. If tickets are booked at the railway counters, then the surcharge amount applicable is Rs. 30 along with 2.5% of transaction amount. In case, tickets are booked on the IRCTC website, then it is 1.8% of the transaction amount in addition to the service charge that is applicable.

    4. What is the order of payment settlement?

      The order of payment settlement is the minimum amount due which is inclusive of Government Service Tax and EMI on loan plans in addition to 5% of the total outstanding amount. This is followed by the fees and various other charges plus interest charges, Balance transfer outstanding amount, Cash advance and Retail outstanding amount.

    5. Is there any fee charged on late payments?

      Yes, a fee is charged based on the total amount that is due. The table below gives details on the amount charged based on the total amount due.

      Total Amount Due Fee Charged
      < Rs. 200 Nil
      Rs. 201 - Rs. 500 Rs. 100
      Rs. 501 - Rs. 1000 Rs. 200
      Rs. 1001 - Rs. 10,000 Rs. 500
      > Rs. 10000 Rs. 750
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  • TATA Titanium Credit Card Reviews

    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      Having the SBI simply save card for past 3 years. The credit card service is very good with the SBI simply save card. I pay the annual fee of Rs,500. The reward points cash back offers and fuel surcharge waiver is available with this card. I am satisfied with the credit limit,.
      Was this review helpful? 0
      , vapi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      Its good experience with SBI bank related to the credit card.They have been giving me a lot of facilities on the card, There is no hidden charges for any transaction. I really happy with my credit card and the limit they have offered me is 1.65 lakhs and they have offered me life time free credit card. I receive normal offers on my credit card
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      State bank of India credit card provides good offers in terms of cash back, reward points in redemption as well as the shopping. Am pretty much happy and satisfied with the benefits provided. Overall pretty good experience the credit limit they have offered me is 50000 rupees and i have taken this card in 2014 till now i haven't faced any issues with this card.
      Was this review helpful? 0
      , vapi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I pay the annual fee of Rs.500 every year to SBI Gold platinum credit card. This card has the benefits like reward points cash back offers and other offers in it, I would say it is an average card to use but I am satisfied with their credit limit and happy with their service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "More good"
      0.5 5.0/5 "Blown Away!"
      My credit card is free for the first year the annual fee would be 499 from second year onwards. Credit limit is the one which determines the satisfactory level, in that way, I got very good credit limit from the bank and it is much convenient for my usage. Whenever I use my card for shopping, the bank is prompt in crediting reward points and other cash back offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Good for travellers"
      0.5 4.0/5 "Great!"
      I have taken IRCTC credit card from SBI, because I keep traveling. I am always getting discount on train tickets. Their offered me good credit limit its good and satisfactory. When I was working with previously company they gave 50,000 to 60,000 it was sufficient.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Looking for a better offers"
      0.5 2.5/5 "Just OK"
      SBI is okay but they are not as good as AXIS Bank in term of credit card. I have been using the card around two years, so far they didn't increase the credit limit. I am getting Online shopping offers in Amazon and flipkart its nominal, I am fine with that.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Beneficial services"
      0.5 4.0/5 "Great!"
      SBI has offered me a credit card as well and the bank provides me good offers. They send me regular alerts about the ongoing offers and the bank has given me a good credit limit too. There is a annual fee of 500 and the statements are on time with clear details.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Kind of okay"
      0.5 3.0/5 "Satisfactory"
      SBI Credit card is some what okay. I am holding this SBI credit card for about 4 month this card was taken a few months back no compliments were provided. I had received this card through a third party and i did not receive any compliments . However I had received the welcome letter and Tariff sheet.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "No good credit limit, no service no offers"
      0.5 1.0/5 "Really Bad"
      I wont recommend SBI credit card because they are charging lot of charges and the annual charges are really high and it is very difficult to reach their customer care. The reason for calling them was because, I had to foreclose the loan for which I had to wait for about one hr and 20 minutes and they dont have an option to out call their customers back for which, I had to stay on the call and I had to foreclose the EMI.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      I hold a credit card with State Bank of India. I would not say it is excellent, but it is good and hassle free. The charges and interest is normal and there are good deals online. The EMI options are pretty flexible and the bank has given me a good limit too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      The credit card offers are good at SBI. The best about the card is I can use it anywhere and all my transactions goes through without any issues. There are discounts and cash back offers and there are no charges taken for the card as well. The customer services are also good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have closed the SBI gold credit card. If I use this card and spent Rs.70,000 in a year , the annual fee of Rs.500 will get waived . I was using this card from around 4 to 5 years. The customer service is Average with this card. They haven't gave any offer with SBI gold card. I was happy with the credit limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      I am holding a SBI Credit card for two months now they have offered me the credit limit of around 62000 rupees , and the annual charges of this card is around 3000 rupees and the annual charges can be waived off if spending around three lakhs this was not informed to me earlier after receiving all this details are getting displayed
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "Could provide more offers"
      0.5 4.0/5 "Great!"
      SBI has offered me a credit card as well and from my personal experience there could be more offers and a better credit limit on the card. The customer services and response is good and the statements has always been transparent and on time to me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "Need improvement"
      0.5 3.0/5 "Satisfactory"
      Credit card offer wise SBI is good, they are giving good feature on the card. But their service is not upto the mark, because they wont response properly. Whenever I call their customer service, IVR system takes time to connect with the executive and then also won't get sufficient service. SBI needs to improve the response and communicate part.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      SBI has offered me a credit card as well and the limit the bank has offered me is excellent. Though I have not explored on the card much. I am happy with the process . I got the card on time after me applying for it and they have also offered me good deals too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card is with State Bank of India. I am more than satisfied with the deals I get on the credit card and it has been perfect till date. The credit limit is also good and the bank has always been on time to send me the details and the billing dates is also convenient for me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 14, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      To reach the customer service with State bank we need to talk to IVR for a long time and it takes minimum 15 minutes time to reach the executive and After all this struggle once we reach the executive they will keep our call on hold. The customer support need to improved with SBI. I use the SBI simply save card for past 3 years. I pay the annual fee of Rs.500. I am satisfied with the credit limit but not with the service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 14, 2017
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 3.0/5 "Satisfactory"
      Recently I have received Sbi simply click credit card. The response with Sbi credit card is good. They have disbursed the card within 7 days of time. This card has the annual fee Rs,500. I am not satisfied with the credit limit, still they can increase the credit limit with this SBI simply click card. The reward points , cash back offers are available with this card then I can redeem the reward points as cash.
      Was this review helpful? 0
      , tirupati
      Reviewed on Aug 14, 2017
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