Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • TamilNad Mercantile Bank Credit Cards

    Tamilnad Mercantile Bank Limited (TMB) offers both secured and unsecured credit cards that come with a host of features and benefits. Some of the primary attractions of these cards are their flexible credit limits, attractive fees and charges, and insurance coverage.

    Top credit cards offered by TMB

    The top 2 credit cards by Tamilnad Mercantile Bank Limited (TMB) are listed below. You also see the annual fee associated with them and the categories they are suitable for.

    TMB Credit Card Variants Annual Fee Suitable For
    TMB Titanium Credit Card  NIL Lifestyle
    TMB Platinum Credit Card NIL Lifestyle
    We found 1 Credit Card
    1st Year Fee
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    Fee Details


    Tamilnad Mercantile Bank was established in 1921 and was initially known as the Nadar Bank. Tamilnad Mercantile Bank currently has over 437 branches including eleven extension counters, six processing centres and 911 ATMs across the country. One of the fastest growing banks in the Private Sector, TMB offers a range of products that include loans, deposit services, accounts and credit cards to cater to the banking and financial needs of corporates, NRIs and individuals.

    Tamilnad Mercantile Bank Credit Cards offer a range of advantages to the cardholders and are designed to offer easy credit at low interest rates.

    Why Choose Tamilnad Mercantile Bank Credit Cards?

    Tamilnad Mercantile Bank offers two variants of credit card, specially crafted to cater to the credit requirements of all customer segments including those of semi-urban and rural areas. Customers can choose between Tamilnad Mercantile Bank General Credit Card or Tamilnad Mercantile Bank India Card Credit Card. Both the credit cards come with an array of advantages that will delight the cardholder and offer flexibility & greater purchase power. To avail a loan using TMB Credit cards, no collateral is required. Cardholders get to enjoy a range of benefits like high credit limit, flexible repayment options and incentives for prompt payments, constant customer support and affordable interest rates. Find a TMB Credit card that matches your needs and elevate your lifestyle!

    Features and Benefits of TMB Credit Cards:

    The following advantages that come with Tamilnad Mercantile Bank Credit Cards makes it one of the most popular choice for credit cards in the market.

    • Generous Credit Limit

      TMB Credit Cards come with high credit limit that offer the cardholders greater flexibility. Now you don’t have to think twice before you make a purchase!

    • Attractive Interest Rates

      Tamilnad Mercantile Bank Credit Cards offer affordable interest rates for credit purchases. With credit interest rates varying from 17% to 19%, cardholders are entitled to a higher purchase power.

    • Affordable and Transparent

      With fees and charges that are affordable, cardholders can avail a T<B credit card with no second thoughts. Also, the transparent process will ensure that you enjoy using your credit card.

    • Impeccable Customer Support

      Lost your credit card? Want to know more about tenure for repayment? You can get in touch with Tamilnad Mercantile Bank on their 24/7 helpline number to get all your questions cleared.

    • Enhanced Payment Security

      The 3D Secure authentication technology will help you make every transaction with more confidence as it helps prevent unauthorized use of credit cards.

    • Incentives for Prompt Payers

      For customers who make interest payments on time and repay the credit loan in less than 6 months’ time, an incentive of 2% is offered.

    • No Collateral Required

      To avail the TMB Overdraft facility and TMB General Credit Card loan, cardholders require no collateral security. So if you are in need of instant loan, this is the best choice.

    • For customers in Semi-urban and rural area

      Designed to offer maximum benefits for TMB customers in semi-urban and rural areas, T<B credit cards will offer ease of use and other privileges that will delight the cardholder.

    • Easy Documentation

      The documentation process for both Tamilnad Mercantile Bank General Credit Card and Tamilnad Mercantile Bank India Card Credit Card is very simple and the processing charges are very nominal.

    • Repayment Tenure

      Cardholders can repay the loan within 12 months from the date of purchase. For cardholders who make timely interest payments and close the loan before 6 months from the date of purchase, incentives are also offered by Tamilnad Mercantile Bank.

    Charges and Interest Rates:

    The tables below lists out all charges and prevailing interest rates for Tamilnad Mercantile Bank Credit Cards.

    Tamilnad Mercantile Bank General Credit Card Interest Rates

    General Customers

    Base Rate + 8.50% which is currently fixed at 18.90% per annum.

    For Women

    Base Rate + 8.50% which is currently fixed at 18.90% per annum.

    Tamilnad Mercantile Bank India Card Credit Card Interest Rates

    Interest Rate for Temporary Overdraft

    17.50% per annum

    Fees and Charges for Tamilnad Mercantile Bank India Card Credit Card:

    Joining Fee for Personal Card

    Rs.150 one time

    Joining Fee for Add-On Card

    Rs.150 one time

    Joining Fee for Corporate card

    Rs.150 one time

    Annual Fee for Corporate Card

    Rs.250 per annum

    Annual Fee for Personal Card

    Rs.250 per annum

    Annual Fee for Add-On card

    Rs.150 per annum

    Renewal Fee for Corporate Card

    Rs.250 per annum

    Renewal Fee for Personal Card

    Rs.250 per annum

    Renewal Fee for Add-On card

    Rs.250 per annum

    Replacement Fee for personal card


    Replacement fee for corporate card


    Add-on card replacement fee


    Photo credit card fee

    Rs.50 extra


    Here is the eligibility criteria for variants of Tamilnad Mercantile Bank Credit Cards.

    Credit Card Type


    TMB General Credit Card

    • The applicant must have good earning capacity and sufficient cash flow.

    • The customer must be residing in rural or semi-urban area.

    • TMB General Credit Card is offered to only one person in the household.

    TMB India Card Credit Card

    • The applicant must have a sound CIBIL score.

    • The applicant must have a good cash flow and earning capacity.

    To know more about the eligibility criteria and income criteria for the TMB Credit Card of your choice, do enquire with the bank.

    Tamilnad Mercantile Bank Credit Cards Documentation:

    TMB Bank Customers must have the following documents ready to speed up the application process for credit cards.

    • Duly filled and signed application form
    • Recent passport size color photographs
    • Residence proof which can be any of the following - Aadhaar Card, telephone bills, election card and electricity bills.
    • Proof of Income - Bank statements for the last 3 months, IT return statements for the last 3 months and Form 16, whichever documents are applicable. Self-employed professionals will have to submit proof of business existence and proof of business continuity.

    The list of documents required are based on your type of employment and income source. Do enquire with Tamilnad Mercantile Bank to know more about the list of documents for your choice of credit card based on your employment type.

    List of Tamilnad Mercantile Bank Credit Cards:

    Tamilnad Mercantile Bank offers two variants of Credit Cards, each specially crafted to the best of benefits to the cardholder. Read on to more about types of TMB credit cards.

      • Tamilnad Mercantile Bank General Credit Card

        Specially designed for customers looking for the functionalities of a conventional credit card, the TMB General Credit Card offers all that and even more. This special offering from Tamilnad Mercantile Bank is a type of rollover overdraft facility wherein no end use is insisted. Customers can make purchases using the General Credit Card and repay in 12 months’ time from the purchase date. For customers who make repayments before six months’ time and also timely interest payments, incentives of 2% are offered by TMB. As an added advantage, customers do not have to produce any collateral to avail the overdraft.

      • Tamilnad Mercantile Bank India Card Credit Card

        For customers who hate carrying cash on their international trips or tired of having to receive change in cash counters, TMB India Card Credit Card is the best choice. Affiliated to MasterCard, India Card Credit Card will offer you to sheer convenience of making credit purchases. Affordable APR rates and liberal free credit day’s makes this card very popular amongst all TMB customers. Other benefits of holding a Tamilnad Mercantile Bank India Card Credit Card include high credit limit, attractive interest rates, 24/7 assistance for lost cards and international validity.

    TMB Credit Card FAQs:

    1. What is the repayment tenure if I use my TMB General Credit Card to make a purchase?

      The overdraft or the loan must be repaid within the maximum tenure of a year.

    2. Will I incur any penalty for not paying interests within the prescribed time?

      If you use the TMB credit cards to make a purchase and default on interest payments for 3 continuous months, you will be subject to corrective actions including reduction in sanctioned credit limit and recall of facility.

    3. What is the advantage of 3D Secure system and will I get that benefit with Tamilnad Mercantile Bank credit cards?

      3DS or the 3D secure is a payment system that has an extra authentication level for Visa and MasterCard payments that prohibits the unauthorized use of TMB credit cards. For every transaction that you make using the credit card, your bank will have to authenticate the personal security code to make it secure. 3DS is offered for TMB India Card Credit card and you register online for 3D Secure.

    4. How do I avail a TMB India Card with photo?

      You will have to contact TamilNad Mercantile Bank and specify that you need a photo credit card while submitting your application. A nominal fee of Rs.50 will be charged for a photo credit card.

    5. If I misplace or lose my TMB Credit Card, what should I do?

      In case of the unfortunate event of credit card loss or misplacement, you will have to block the card first. You can do so by contacting Tamilnad Mercantile Bank on their 24/7 toll free number. The hotlisting charges for deactivating a card or for a lost/stolen card would be Rs. 200.

      *Note: All the rates are subject to change, therefore, customers are required to keep on checking the rates from time to time.


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    Credit Card Reviews

    • Tamilnad Mercantile Bank
      0.5 5.0/5 "Blown Away!"
      I have selected Tamilnadu mercantile bank platinum credit card past 2 year using this credit card its annual charger is applicable. Customer service is good and responsive while transaction rewards points and cash back offer. while documents submitted direct bank.So there is no delay receive credit card sufficient limit is provide from banker end.
      Was this review helpful? 3
      , thane
      Reviewed on Jul 03, 2019
    • Tamilnad Mercantile Bank
      Tamilnad Mercantile Bank
      0.5 4.0/5 "Great!"
      My application was taken with TAMILNADU MERCHANDISE BANK , i ma using this card for past 6month . I ma not happy with this card it is very difficult to do online payment not easy to pay the bill . There is no annual charges with this card . Credit limit is satisfactory .
      Was this review helpful? 3
      , chennai
      Reviewed on Sep 24, 2018
    • Tamilnad Mercantile Bank
      "GOOD CARD"
      0.5 4.0/5 "Great!"
      My credit card was taken with TAMINAD MERCHANDISE BANK , i am holding this card for past 6month , I use this card for multipurpose . They offered 50000 of credit limit . I am not regular user of this card i got this card just because i have good relation with that bank .
      Was this review helpful? 4
      , mumbai
      Reviewed on Sep 04, 2018
    • Tamilnad Mercantile Bank
      "Average Service"
      0.5 1.0/5 "Really Bad"
      I had been holding this card for the last three years and the credit limit of 75,000 which they had provided with the card has been good. But the services which they had been providing had not been up to the mark and there has been some hassles in the internet banking system where i was not able to log in. Even the interest rate has been high with them.
      Was this review helpful? 3
      , coimbatore
      Reviewed on Sep 03, 2018
    • Tamilnad Mercantile Bank
      "Pretty useful Card"
      0.5 3.0/5 "Satisfactory"
      I have been using this Banks Credit Card for the past few years now, I felt the Card to be very useful. I was offered a Credit limit of Rs.20000 and which was something that I was expeting. The Reward point options is pretty good, unfortunately the taxes are a little high.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Oct 25, 2017
    • Tamilnad Mercantile Bank
      "Nice limit "
      0.5 4.0/5 "Great!"
      The service provided was good based on the credit card with TNB.They donâ??t have any offers in the card.The credit limit offered was satisfiable as well. I do have Visa Gold card with TamilNad mercantile Bank.I have been using the card for 7years.
      Was this review helpful? 7
      , agra
      Reviewed on Nov 19, 2015
    • Tamilnad Mercantile Bank
      0.5 4.0/5 "Great!"
      When I do complete my transaction using TamilNad Mercantile bank visa credit card, alerts are coming instantly. Even monthly statements coming regularly to my address. I would use the credit card only for purchase so I donâ??t know the benefits and offers that on my credit card. However I am happy with process and services.
      Was this review helpful? 15
      , chennai
      Reviewed on Oct 27, 2014
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