TATA Titanium Credit Card

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.

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Features of the TATA Titanium Credit 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.

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.

Railway Ticket Bookings

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.

Peace of Mind

TATA Titanium cardholders have global access to the TATA Credit Card Customer Helpline Number 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.

E-statements

Card holders can enjoy 24/7 access to their credit card monthly statements and get them delivered directly to their emails.

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.

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TATA Titanium Credit Card Benefits

Welcome Offers:

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

Joining Offers:

  1. 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:

  1. 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:

  1. 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:

  1. 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:

  1. 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.
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TATA Titanium Credit Card Fees and Charges

Type of Charge

Fee

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 Credit Card Eligibility Criteria

  1. 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.
  2. 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.

Documentation Required for the TATA Titanium Card

Documentation Required:

  1. PAN card
  2. ID proofs (Anyone) -
    1. Driving Licence
    2. Passport
    3. Voter's ID
    4. UID Aadhaar Number

How to Book Railway Ticket Online using TATA Titanium Card

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

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

FAQs on TATA Titanium Credit Card

  • 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.

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

  • 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.

  • 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.

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