Top Picks
| Best For | Card Name |
| Fuel | No specific credit card for fuel. |
| Travel | No specific credit card for travel. |
| Family | TATA STAR Platinum Credit Card, TATA Croma Platinum Credit Card |
| Premium | No specific premium credit card. |
| Frequent Spenders | TATA STAR Titanium Credit Card, TATA Croma Titanium Credit Card |
Best Tata Credit Card for Family
| TATA STAR Platinum Card |
Benefits
The card comes with welcome reward benefit of Rs. 3,500 on joining. You save 3.5% on your spend at STAR Outlets and up to 5% on TATA Outlets. Moreover, you earn incremental reward value of upto Rs. 3 on all of your expenses on dining, departmental and grocery stores as well as international spend.
Apart from it, you earn monthly fuel surcharge waiver of upto Rs.250 along with 2 complimentary access to Mastercard domestic airport lounges each quarter.
Drawbacks
The card comes with an annual cost of Rs. 2,999 and a high annual percentage rate which ranges from 30% to 40.2%.
Bottom Line
The card offers great value on joining along with the cashback available on shopping at STAR and TATA outlets. You can continue to earn the good benefit by spending Rs.16,670 each month and receive a e-gift voucher worth Rs. 3000 on renewal next year. You can this benefit again whenever you reach annual spend of Rs. 4 Lacs and Rs. 5 Lacs, each.
However, the high APR equal to 40.2% in case you have availed an unsecured credit card and 30% in case you have availed a secured credit card, is something that you should think about before applying for the card.
Best Tata Credit Card for Family Runner’s Up
| TATA Croma Platinum Card |
Benefits
The card comes with welcome reward benefit of Rs. 3,000 on joining from popular partner brands. Aside from that, you save 2% on your each eligible spend at Croma Outlets and Cromaretail.com along with up to 5% on TATA Outlets. Moreover, you earn reward value of minimum Rs. 1 to maximum Rs. 3 on all of your expenses on dining, departmental and grocery stores, international spend and regular expenses.
Apart from it, you earn annual fuel benefit of upto Rs.3,000 along with 8 complimentary access to Mastercard domestic airport lounges each membership year.
Drawbacks
The card comes with an annual cost of Rs. 2,999 and a high annual percentage rate which ranges from 30% to 40.2%. Moreover, you earn Rs. 500 less benefit on joining and 1.5% less savings when you shop at partner outlets as compared to STAR Platinum Credit Card.
Bottom Line
The card offers equal value to the joining fee as welcome gift alone, whereas the cashback available on shopping at Croma outlets and online porta as well as TATA outlets makes it a good run for your money. You can continue to earn the reward benefit by spending Rs.16,670 each month and receive a e-gift voucher worth Rs. 3000 on renewal next year. You also earn the same benefit if you annual spend reaches the milestone spends.
However, the high APR equal to 30% in the case of secured card and 40.2% in case of an unsecured credit card can be a big problem if you’re a first time credit card users.
Best Tata Credit Card for Frequent Spenders
| TATA STAR Titanium Card |
Benefits
The card offers double the value of annual fee on joining as well as renewal. And, you save 3.5% on partner brand’s outlets along with upto 5% savings on your shopping at TATA stores. You keep earning reward value from Rs. 1 on your regular spend Rs. 3 on your dining expenses, departmental and grocery expenses as well as international spend.
Apart from it, you save Rs. 1200 annually on you fuel related expenses.
Drawbacks
The card comes with high annual percentage rate ranging from 30% to 40.2%.
Bottom Line
The card delivers double the value than the charge you pay for it. Moreover, you also get the chance to earn annual fee waiver by simply spending Rs. 8340 each month on the card, making the total benefit worth Rs.1499 alone exclusive the cashback offered at partner stores and fuel waiver.
However, if you usually makes default then it could be bad news for your pocket.
Best Tata Credit Card for Frequent Spenders Runner’s Up
| TATA Croma Titanium Card |
Benefits
You earn conditional reward value benefit equal to the joining fee as a welcome gift. Moreover, you save 1.5% at partner croma and upto 5% savings on your shopping at TATA stores. You keep earning reward value from Rs. 1 on your regular spend Rs. 3 on your dining expenses, departmental and grocery expenses as well as international spend. Apart from it, you save Rs. 1200 annually on you fuel related expenses.
Drawbacks
The welcome benefit of Rs. 500 can only be availed if you spend Rs. 2,000 within 60 days of card activation.
Bottom Line
The card offers equivalent value of the joining fee as a welcome gift, and the incremental reward points on dining, departmental and grocery stores makes it worth going for. However, you don’t earn any benefit on renewal which can make it heavy on your pocket unless you spend more on the incremental reward categories.
View Other Tata Credit Cards
TATA Platinum Credit Card
The card offers equal benefits of annual fee on joining and carry the same benefit to the next year if you spend Rs. 2 Lacs in the previous year. Moreover, you earn incremental reward value of upto Rs. 3 on each eligible spend on selected categories along with upto 5% cashback on partner brands and TATA outlets. You also earn fuel surcharge benefit of Rs. 3000 and 8 free domestic airport lounge access annually. The partnership with popular brands like Yatra, Hush Puppies / Bata , Marks & Spencer, Westside and Croma makes it pretty useful whenever you shop.
Apart from that, you also earn conditional benefits equal to Rs. 3000 if you reaches the annual spend milestone criteria of Rs. 4 Lacs and Rs. 5 Lacs, each. However, the APR of 40.2% (30% on secured card) is pretty high as compared to other cards available within the market offering similar value.
TATA Titanium Credit Card
The card offers conditional welcome benefit worth Rs.500 on joining, and cashback upto 5% on purchasing products from Croma and Tata. You earn upto Rs. 3 incremental reward value on selected categories. Apart from it, you get annual fee waiver for the next card membership year if you spend Rs. 8340 each month, and fuel benefit of upto Rs. 1200 annually. You get all these benefits in exchange of 40.2% (30% on secured card) APR. Hence, if you are unable to pay the total outstanding amount on the card before the payment due date, then it can be a big problem for you.
Eligibility Criteria
- Applicant must have a minimum annual income of Rs. 1.80 Lacs to own an Tata Credit Card.
- Age of the primary cardholder should be between 21 years to 70 years.
- Age of the add-on cardholder should be at least 18 years.
Documentation
For Salaried:
- Salary Slip / Certificates
- Form 16 / 2 Years ITRs with latest Salary slip.
- KYC Documents
- 2 Passport Size Photographs
For Self-Employed:
- 2 years I.T.Returns with computation sheets
- KYC Documents
- 2 Passport Size Photographs
Tata Credit Card Reward Points – Earn & Burn
| Spends | STAR Platinum Card | Platinum Card | Croma Platinum Card |
| Dining | 3 Reward Points on each Rs. 100 | 3 Reward Points on each Rs. 100 | 3 Reward Points on each Rs. 100 |
| Departmental Stores | 3 Reward Points on each Rs. 100 | 3 Reward Points on each Rs. 100 | 3 Reward Points on each Rs. 100 |
| Grocery Stores | 3 Reward Points on each Rs. 100 | 3 Reward Points on each Rs. 100 | 3 Reward Points on each Rs. 100 |
| Travel | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 |
| Entertainment | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 |
| Utility Bill Payment | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 |
| Fuel | NIL | NIL | NIL |
| Online Shopping | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 |
| Partners | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 |
| International | 3 Reward Points on each Rs. 100 | 3 Reward Points on each Rs. 100 | 3 Reward Points on each Rs. 100 |
| Spends | STAR Titanium Card | Titanium Card | Croma Titanium Card |
| Dining | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 |
| Departmental Stores | 3 Reward Points on each Rs. 100 | 3 Reward Points on each Rs. 100 | 3 Reward Points on each Rs. 100 |
| Grocery Stores | 3 Reward Points on each Rs. 100 | 3 Reward Points on each Rs. 100 | 3 Reward Points on each Rs. 100 |
| Travel | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 |
| Entertainment | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 |
| Utility Bill Payment | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 |
| Fuel | NIL | NIL | NIL |
| Online Shopping | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 |
| Partners | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 |
| International | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 | 1 Reward Points on each Rs. 100 |
Tata Credit Card Bill Payment
Pay Tata Credit Card Bill through NEFT
- Login your other bank’s net banking account and go to Fund Transfer option.
- Choose “NEFT Fund Transfer” as your payment method and add your Tata Credit Card as payee. To add your card as payee, use the following details.
- Beneficiary Bank – Tata
- Beneficiary’s Account Number – XXXXXXXXXXXXXXXX
- IFSC Code of the Beneficiary Bank Branch – ANDB0000782
- Your 16 digit Credit Card number – XXXXXXXXXXXXXXXX
- Payable Amount – XXXX
- Go back to the NEFT payment method and choose your credit card from the beneficiary list.
- Enter the amount and confirm the payment.
- Receive the confirmation on your screen.
Pay Tata Credit Card Bill through RTGS
- Login your other bank’s net banking account and go to Fund Transfer option.
- Choose “RTGS Fund Transfer” as your payment method and add your Tata Credit Card as payee. To add your card as payee for RTGS Fund Transfer, use the following details.
- Mobile number – XXXXXXXXXX
- Email address – xyz@abc.com
- IFSC code – ANDB0000205
- Bank Name – Tata
- Account Number – XXXXXXXXXXXXXXX
- Your 16-digit Tata credit card number
- Go back to the RTGS Fund Transfer method and choose your credit card from the beneficiary list.
- Enter the amount and confirm the payment.
- Receive the confirmation on your screen.
Pay Tata Credit Card Bill through Cash at Tata Branch
- Go to your nearest Tata branch.
- fill cash deposit slip by mentioning your 16 digit credit card number, amount to be paid and other necessary details.
- Sign the deposit slip and mention your phone number at the back of slip.
- After filling cash deposit slips, deposit the cash at the cash deposit counter.
- Collect the receipt as evidence of the successful payment.
Pay Tata Credit Card Bill through Cheque/Draft
- Write a cheque/draft in favour of your Tata Credit Card.
- Mention the bill amount, sign the cheque and write your phone number at the back of the cheque/draft.
- Drop the cheque into the dropbox available at your nearest Tata Branch or ATM.
Pay Credit Card Bill through Tata Debit Card at Tata ATMs
- Visit your nearest Tata ATM and insert your Tata debit card in the ATM machine.
- Choose your preferred language.
- Select “Bill Payment” option.
- Enter your Tata Credit Card number in place of recipient Account Number and enter the amount.
- Confirm the payment by entering your debit card pin and collect the receipt.
Tata Credit Cards – Fees & Charges
| STAR Platinum Card | Platinum Card | Croma Platinum Card | |
| Finance Charges | Upto 3.35% p.mFor Unsecured Card Upto 2.5% p.mFor Secured Card | Upto 3.35% p.mFor Unsecured Card Upto 2.5% p.mFor Secured Card | Upto 3.35% p.mFor Unsecured Card Upto 2.5% p.mFor Secured Card |
| Cash advance fee | 2.5% to 3% of transaction amountMin Rs. 300 | 2.5% of transaction amountMin Rs. 300 | 2.5% of transaction amountMin Rs. 300 |
| Annual fee | Rs. 2,999 | Rs. 2,999 | Rs. 2,999 |
| STAR Titanium Card | Titanium Card | Croma Titanium Card | |
| Finance Charges | Upto 3.35% p.mFor Unsecured Card Upto 2.5% p.mFor Secured Card | Upto 3.35% p.mFor Unsecured Card Upto 2.5% p.mFor Secured Card | Upto 3.35% p.mFor Unsecured Card Upto 2.5% p.mFor Secured Card |
| Cash advance fee | 2.5% to 3% of transaction amountMin Rs. 300 | 2.5% to 3% of transaction amountMin Rs. 300 | 2.5% to 3% of transaction amountMin Rs. 300 |
| Annual fee | Rs. 499 | Rs. 499 | Rs. 499 |
Other Charges
| Charge | Amount |
| Add-on Card Fee | NIL |
| Foreign transaction fee | 3.5% of the transaction value in INR |
| Late Fee | NIL for outstanding amount upto Rs. 200Rs. 100 for outstanding amount above Rs. 200 to upto Rs. 500.Rs. 400 for outstanding amount above Rs. 500 to upto Rs. 1000.Rs. 600 for outstanding amount above Rs. 1000 to upto Rs. 10,000.Rs. 800 for outstanding amount above Rs. 10,000 to upto Rs. 25,000.Rs. 950 for outstanding amount above Rs. 25,000. |
| Minimum Payment | 5% of total outstanding amountMin Rs. 200 |
| Over-limit fee | 2.5% of the overlimit amountMin Rs. 500 |
| Returned payment fee | 2% of the payment amountMin Rs. 200 |
| Card Replacement Charges | Rs. 100 to Rs. 250 |
| EMI Conversion Charges | |
| Balance Transfer Charges |
How To Apply for Tata Credit Card?
- Select an Tata Credit Card as per your preferences from above.
- Click on “Apply Now” and fill the Online Application Form. You’ll be asked to provide some personal details such as your Address, Contact, Income, Employer Details, Educational Qualifications.
- Once the application form is submitted successfully, you will receive a confirmation from Tata.
Note: If your application was rejected, you would be able to apply after 3 months of your previous application.