Tamilnad Mercantile Bank Credit Card Eligibility

Age – TMB credit cards are only given to customers who are over 21 years of age. Also, customers who are retired or are above 65 years of age cannot apply.

Income – TMB provides only one unsecured credit card to customers who have a steady income source. Applicant must be making at least Rs. 3.00 lakh annually in order to apply for TMB credit card.

Prior Relationship – Applicants who want a Tamilnad Mercantile Bank Credit Card should have a savings or current account with the bank. The bank does not provide credit card to applicant who does not have a prior relationship with the bank.

Credit Score – Credit score shows the dependability of an applicant. TMB requires that the applicants do not have any bad remarks on their credit report. Also, applicants with higher credit scores won’t have much trouble when it comes to credit card application approval.

Please Note: Tamilnad Mercantile Bank is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only. 

The following documents are required to avail Tamilnad Mercantile Bank credit card.

Proof of Identity	PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI, etc.
Proof of Address	Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, etc.
Proof of Income	Latest one or 2 salary slip (not more than 3 months old), Last 3 months’ bank statement, ITR, Form 16, etc.

The following factors affect the customer’s chances of availing a Tamilnad Mercantile Bank credit card.

Age – Customers who want to avail TMB credit card must be over 21 years but below 65 years of age. Customers who are in their prime have a better chance of securing a credit card.

Income – Customers who want to avail TMB credit card must be earning Rs. 3.00 lakh per annum annually.  Application of customers who earn less will be rejected. Also it is the applicant’s income which decides the credit limit assigned to the user.

Prior Relationship – Only customers that have maintained a prior relationship can apply for a Tamilnad Mercantile Bank credit card.

Credit Score – As credit score shows how responsible an applicant is. Customers who have a good credit score without any adverse remarks will find it easier to avail a credit card.

Does TMB require a prior relationship with the bank in order to be eligible for their credit card?
Yes, Tamilnad Mercantile Bank requires that applicants have a savings or a current account with the bank. If users don’t have a prior relationship with the bank then they cannot apply for a TMB credit card.

How many unsecured credit cards does TMB offer?
TMB currently offers one unsecured credit card called TMB Titanium Credit Card.

How can one apply for TMB Credit Card?
Applicants can apply for TMB credit card by filling the online credit card application available on the bank website. Click here to begin the process. Customers may contact a bank official if they require any help.

Who can apply for Tamilnad Mercantile Bank Credit Card?
Citizens of India having an annual income over Rs. 3.00 lakh and in the age bracket of 21 to 65 years may apply for TMB Credit Card.

What is the minimum credit limit on TMB Titanium Credit Card?
Customers can get a minimum credit limit of Rs. 20,000 on their TMB Titanium credit card. However, cardholders may get a credit limit up to Rs. 5.00 lakh or 25% of their annual income whichever is lower.