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  • TATA Titanium Credit Card

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    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.


    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.


    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


    • 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:

    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 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 Credit Card can be used to make payments via either of the two gateways provided, both of which accept MasterCards.
    3. Users should note that the IRCTC website’s terms and conditions governs all transactions made through the website.

    4. 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.

    5. 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.

    6. 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
      "Expensive and use it only on TATA outlets"
      0.5 3.0/5 "Satisfactory"
      The interest rates and service charges, EMI conversion charges are high in SBI. TATA Titanium is little bit card if i compare with other SBI card. It used to give some rewards point but i can redeem the rewards points only in TATA outlets not in other places. I will get some benefits out of it if i use in TATA. 5% offers are there in TATA outlets.
      Was this review helpful? 0
      , surat
      Reviewed on Jul 12, 2018
    • SBI Cards
      SBI Cards Credit Card
      "Fine Card"
      0.5 4.0/5 "Great!"
      I have never used their customer care service so far. I'm holding this credit card for 4 years and for that i have to pay the annual charge of Rs. 500. I will get offer on fuel, if fill the petrol for more than Rs. 500 then sur charges will get waived off. They have given me a credit limit of Rs. 80000 and i never faced any issue with this credit card so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2018
    • SBI Cards Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      I got the SBI Tata Titanium credit card around 6months ago. The customer support service and the response is good from the State bank and I get better service from them. The credit limit value is low with this SBI Tata Titanium credit card and It would be good if they can increase the limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I use the TATA CREDIT CARD for the past 3 months. The customer support service is good with the State bank of India. The benefits and the offers are better with this TATA CREDIT CARD. The credit limit value is low with this card and it would be great if they can increase the credit limit value.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 15, 2018
    • SBI Cards Credit Card
      "Good "
      0.5 3.0/5 "Satisfactory"
      State Bank of Indian has offered me a Tata Titanium credit card. Overall it is a good experience. The credit limit and services are satisfactory. The transactions are smooth and the statements are also sent to me on time. In all there are no hassles.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 07, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am satisfied with the credit limit value with the SBI TATA credit card. I have the credit card with the SBI for past 2years. The customer support is good with the SBI and they give good response to this card . The card to card payment option is available with the SBI tata credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 29, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      State bank has offered me a SBI TITANIUM credit card with the credit limit of Rs,30,000 and I would say it is an average card to use. The customer support is good with the state bank of India credit card department. I get good benefits by using the SBI titanium credit card. There is no annual fee to this card because it is an life time free card.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      0.5 4.0/5 "Great!"
      State bank of India credit card service was good the customer service was awesome but the credit limit they offered me was very low compare to others in the market I expected 1k they provide me with only 44k the documents part was easy it has been collected directly from my door step.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 23, 2017
    • SBI Cards Credit Card
      0.5 4.0/5 "Great!"
      It was a titanium eco sports card with SBI ,the offers are good and the customer service was good compare to others in the market, it was been two years I have started to use the service it was a good experience with SBI for my credit card service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 13, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Holding the SBI titanium tries card for more than 6years. The customer support is good with the credit card department. I use this card for all kind of usages. I am satisfied with the credit limit. The rate of interest is nominal with SBI titanium card.
      Was this review helpful? 1
      , kolkata
      Reviewed on Oct 27, 2017
    • SBI Cards Credit Card
      0.5 4.0/5 "Great!"
      SBI TITATINII8M, CREDIT CARD is good. The credit limit offered on this card is 48k, initially it was 27k. It is a life time free credit card. Unquie offer which they provide on this credit card is balance transfer option. Besides that they provide easy cash where I can opt for a specific amount and interest would be calculated for that amount. On the same lines , if I am in need of any other loan they were not in need of any documents.
      Was this review helpful? 1
      , chennai
      Reviewed on Sep 30, 2017
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