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Credit Card

Tata Capital offers its customers two types of Credit Cards in association with MasterCard. The cards offer exclusive rewards and benefits to the customers who fulfill Tata credit card eligibility to make their spending worthwhile. Let us look at the types of cards on offer and the benefits and features of both.

Types of Credit Cards offered by Tata Capital

Cards

Joining Fee

Renewal Fee

Finance Charges

Add on cards

Tata Platinum Card

 

Rs.2,999

 Rs.2,999

3.35% p.m

Nil

Tata Croma Platinum Card

 

 Rs.2,999

 Rs.2,999

3.35% p.m

Nil

Tata Titanium Card

 

Rs.499

Rs.499

3.35% p.m

Nil

Tata Croma Titanium Card

 

Rs.499

Rs.499

3.35% p.m

Nil

Tata Platinum Credit Card – a Tata card offering attractive lifestyle benefits and rewards on purchases. The features and benefits available when customers apply for a Tata Capital Bank credit card are:

  • The Tata Platinum credit card entitles the cardholder to the organization’s Empower program which is a multi-brand loyalty program. The program enables the Tata cardholders to earn accelerated reward points on the Tata Platinum credit card across a wide range of products and services offered by various partnered brands. These reward points can be redeemed against in-store purchases at the organization’s partner outlets.
  • The brands that attract accelerated reward points at the point of purchase on the
  • Tata Platinum credit card include 5% value back at Tata Outlets, Croma spends provide 2% value back and other spends 1% value back.
  • The partner outlets which enable the redemption of the earned reward points on the Tata Platinum credit card include Croma, Star Bazaar, Westside, World of Titan, Taj Hotels, Resorts and Palaces, cromaretail.com,Landmark and Jet Airways which is the airline partner.
  • On any other purchases, there is a guaranteed minimum of 1% value back
  • 3 times the reward points at select department and grocery stores on the Tata Platinum credit card
  • Gift Certificates from the Taj group valued at Rs.2000, 50% discount on lunch buffet, complimentary drinks and a 50% discount on weekend getaway packages. Additionally, you can receive Gift Vouchers valued at Rs.3000 from Raymond’s or Jabong.  These are available as a joining benefit to the Tata Platinum credit card holder.
  • The annual fee on the Tata Platinum credit card is waived off if there is a spending of Rs.75, 000 in a year
  • 2.5% fuel surcharge waiver at all petrol pumps across India on a single transaction spend of Rs.500 – Rs.4000.
  • If there is an additional spending of Rs.1 lakh over and above the Rs.4 lakh spending limit, the cardholder can claim an additional reward from the above mentioned list of rewards.
  • The card also provides exclusive access to snazzy Airport lounges within airports in India.
     

Tata Croma Platinum Card – a co-branded credit card offered in association with Croma. When customers apply for Tata credit cards, the following benefits can be availed:

  • As Welcome and anniversary gifts, this Tata Capital credit card offers Taj Gift certificates worth Rs.2000 which allow a 50% discount on lunch buffet or weekend packages along with a second complimentary round. Alternatively, the cardholder can also opt for e-Gift vouchers worth Rs.3000 from Raymonds or Jabong.
  • The joining fee and annual fee of the Tata Capital credit card is Rs.2999 each while the add-on cards come free
  • The anniversary gifts would be provided only if the cardholder spends a minimum of Rs.2 lakhs on the Tata card in the last year
  • 2% value back for each spending at Croma or cromaretail.com and 5% value back on spending at TATA outlets
  • 3 times the reward points on departmental transactions, dining and international spends and 1 point on transactions at other outlets.
  • Bonus rewards on spending Rs.4 lakhs or Rs.5 lakhs in a year in the form of Taj Gift vouchers worth Rs.2000 or e-Gift vouchers worth Rs.3000 from Jabong/Raymonds or one way domestic air ticket from Indigo Airlines.
  • Fuel surcharge waived on fuel purchases worth Rs.500 to Rs.4000 each transaction.
  • Access to premium MasterCard lounges across India
  • Add-on credit cards can be availed for spouse, children, parents or siblings
     

Tata Titanium Card – a Tata card offering premium benefits on lifestyle and other purchases. The features and benefits of the card are as follows:

  • The Tata credit card entitles the cardholder to the organization’s Empower program which is a multi-brand loyalty program. The program enables the cardholder to earn accelerated reward points on the card across a wide range of products and services offered by various partnered brands. These reward points can be redeemed against in-store purchases at the organization’s partner outlets.
  • The brands that attract accelerated reward points at the point of purchase include Croma, Westside, World of Titan, Taj Hotels, Resorts and Palaces, Ginger Restaurants, cromaretail.com and Landmark.
  • The partner outlets which enable the redemption of the earned reward points include Croma, Star Bazaar, Westside, World of Titan, Taj Hotels, Resorts and Palaces, cromaretail.com, Landmark and Jet Airways which is the airline partner.
  • On any other purchases, there is a guaranteed minimum of 1% value back
  • 3 times the reward points at select department and grocery stores
  • 2.5% fuel surcharge waiver at all petrol pumps across India on a single transaction spend of Rs.500 – Rs.3000 with a maximum waiver of Rs.100 per month
  • Special offers and vouchers from the partner outlets of Tata Capital and other national brands
     

Tata Croma Titanium Card – a card having the following rewards and benefit program offered in affiliation with Croma.

  • The card entails a joining fee and an annual fee of Rs.499 each. Add-on cards do not have any charge and come free
  • 500 Empower points equivalent to Rs.500 is credited on spending Rs.2000 within the first 60 days of availing the card
  • 1.5% value back on shopping at Croma outlets or at cromaretail.com. up to 5% value back on shopping at Tata outlets
  • 3 times the reward points for spending done at departmental stores, dining and international spends
  • 1 point on spending at other retail outlets
  • Fuel surcharge waiver on fuel transactions ranging between Rs.500 and Rs.3000 in a month
  • Access to MasterCard lounges in India
  • Add-on cards can be availed for spouse, parents, children and siblings

Applying for a Tata Card

An individual can apply for a Tata credit card online on the Paisabazaar.com website which allows online application of the cards. The online process of application is easy and it also helps customers to compare credit cards offered by Tata Capital based on key criteria such as annual fees and benefits offered by the credit card.

Credit card statement: Tata Capital provides its credit card holders with a monthly statement that includes all transaction details pertinent to the billing period. The statement also includes details of total amount to be paid to the card issuer along with the last date for payment of the credit card bill.

Credit Card Bill Payment: Tata Capital being an NBFC does not provide the facility of savings bank account that can be linked to the Tata Capital credit card, therefore payment may be made either by cash, cheque or through Tata Capital’s Internet Banking Portal.      

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