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TATA Credit Cards (Titanium & Platinum): For Savings at TATA Group Brands

Home Credit Card SBI Credit Card TATA Credit Cards
Updated: 13-09-2025 07:15:14 AM

TATA Card and TATA Card Select are two of the six co-branded variants that TATA offers in association with the SBI Credit Card. Unlike most co-branded credit cards that offer benefits to a single brand, these cards offer users multi-brand benefits across all Tata Group brand retail stores, like Croma, Westside, etc. The select variant further takes it a notch higher through the welcome and milestone benefits, with additional benefits to other popular brands like Yatra, Bata, and multiple others covered under the Aditya Birla Group like Louis Philippe, Van Heusen, Allen Solly, etc.

Thus, the cards can be of great advantage to users who prefer shopping at these stores. Beyond the co-branded benefits, users also earn rewards on some everyday categories like groceries and departmental store purchases. In addition, users also earn rewards on dining and international spends, along with the lounge access benefit with the Select variant.

Thus, the cards can be a decent choice for users who have similar spending preferences. However, the benefits on the card are restricted more to offline purchases. Thus, those looking for all-round shopping benefits or spending largely online do not benefit much. At the same fee especially at Rs. 2,999, users can definitely find other better options covering all-round benefits.

    TATA Credit Cards: Key Highlights
TATA Card
(Titanium)		 TATA Card Select (Platinum)
Joining Fee Rs. 499 Rs. 2,999
Annual Fee Rs. 499  Rs. 2,999
Fee Waiver On annual spends of Rs. 1 Lakh in the preceding year –
Welcome Benefit Bonus 500 empower Points  e- Gift Voucher worth Rs. 3,000 from popular brands
Co-branded Benefit 1.5% value back on Croma spends 2% value back on Croma spends 
Up to 5% value back on spends on Tata retail outlets Up to 5% value back on spends on Tata retail outlets


Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To apply for this card, please visit the SBI Card website. 

TATA Card: Titanium: Features & Benefits
TATA Card Select- Platinum: Features & Benefits
TATA Credit Cards : Fees & Charges
TATA Credit Cards: Eligibility & Documentation
TATA Card: Titanium: Features & Benefits

Activation benefit:  Bonus 500 empower points on spends of Rs.2,000 done within 60 days of receiving the card.

Rewards & value back: You get: 

  • 1.5% value back on spends at Croma and cromaretail.com
  • Up to 5% value back on spends on TATA outlets
  • 3x rewards i.e. reward points per Rs. 100 on departmental & grocery store spends
  • 1 reward point per Rs. 100 spent on other retail outlets
  • Value of 1 Reward Point = Rs. 1

Fuel surcharge waiver: 1% surcharge waiver, on transaction between Rs. 500 to Rs. 3,000, capping of up to  Rs. 100 per statement cycle.

TATA Card Select- Platinum: Features & Benefits

Welcome & renewal benefit:

  • Users get an e- Gift Voucher worth Rs. 3,000 from popular brands like Yatra, Hush Puppies / Bata, Aditya Birla Fashion or Westside
  • On spending Rs. 2 Lakh in the previous year the voucher benefit is renewed every year

Rewards & value back:

  • 2% value back on spends spends at Croma and cromaretail.com
  • Up to 5% value back on spends on select TATA retail Outlets
  • 3x rewards i.e 3 reward points per Rs. 100 spent on departmental & grocery, dining & international spends
  • 1 reward point per Rs. 100 other retail outlets  
  • Value of 1 reward point = Rs. 1

Milestone benefits: e- Gift Voucher worth Rs. 3,000 on spends of Rs. 4 lakhs and Rs. 5 lakhs each (from Yatra, Hush Puppies / Bata , Westside, and Aditya Birla Retail*)

*Aditya Birla retail voucher are redeemable at multiple brand stores like- Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, Simon Carter

Airport lounge access: 8 complimentary lounge access visits every year to domestic Mastercard lounges in India (capped at maximum 2 visits per quarter)

Fuel surcharge waiver: 1% fuel surcharge waiver, on transactions ranging between Rs. 500 to Rs.4,000, capped up to Rs. 250 per statement cycle

TATA Credit Cards : Fees & Charges
Fee Type Amount
Joining Fee Rs. 499
Rs. 2,999 (For Select variant)
Annual Fee Rs. 499
Rs. 2,999 (For Select variant)
Finance Charges 3.50% per month (42% per annum)
Late Payment Charges For Statement Balance:

 

  • Less than Rs. 500 – Nil
  • Rs. 500 up to Rs. 1,000 – Rs. 400
  • Rs. 1,000 up to Rs. 10,000 – Rs. 750
  • Rs. 10,000 up to Rs. 25,000 – Rs. 950
  • Rs. 25,000 up to Rs. 50,000 – Rs. 1,100
  • Amount over Rs. 50,000 – Rs. 1,300


Click here to check more details on fees and charges associated with TATA Card & TATA Card Sele

TATA Credit Cards: Eligibility & Documentation
Criteria  Detail
Age 18-60 years
Occupation Available to both Salaried and Self-employed
Documents Required Click here for the list of acceptable documents
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