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Tata Credit Cards are issued by SBI Card in association with Tata Capital Financial Services. Primarily focused towards your shopping needs, these co-branded credit cards come with accelerated savings options on spends made across Tata and partner retail outlets and websites. These savings are in the form of reward points on card spends and e-gift vouchers as joining and milestone bonus. Some of the Tata Cards also offer complimentary airport lounge access. Read on to know all about Tata Credit Cards in detail, including their fees, features and benefits.

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Updated: 26-06-2025 06:16:01 AM

Best Tata Credit Cards in India

These credit cards can be divided into two categories, namely Premium and Classic. Here, the premium range consists of Tata Platinum Credit Cards while the classic range consists of Tata Titanium Credit Cards which act as the base variants of the former category.

Credit Card Annual Fee Best Suited for
TATA STAR Card SELECT Rs. 2,999 Rewards (dining, grocery/ departmental store), STAR & Tata brand spends, Domestic Lounge access
Tata Card SELECT Rs. 2,999 Rewards (dining, grocery/ departmental store), Croma & Tata brand spends, Domestic Lounge access
Tata Croma Card SELECT Rs. 2,999 Rewards (dining, grocery/ departmental store), Croma & Tata brand spends, Domestic Lounge access
TATA STAR Titanium Card Rs. 499 Rewards (grocery/ departmental store), STAR & Tata brand spends
Tata Card Rs. 499 Rewards (grocery/ departmental store), Croma & Tata brand spends
Tata Croma Card Rs. 499 Rewards (grocery/ departmental store), Croma & Tata brand spends

Best Credit Cards in India | Check Your Eligibility

Tata Credit Cards are best-suited for Tata loyalists who frequently shop from the Tata universe of brands and platforms. SBI Card offers these Tata cards co-branded with STAR and Croma brands and offers accelerated savings and additional e-gift vouchers for partner Tata brands. The cardholders can also earn reward points on card spends which can be redeemed in 1:1 ratio which allows the users to save up to 3% on categories like grocery and departmental stores. Tata Platinum credit card range also offers e-gift vouchers of partner brands worth up to Rs. 9,000 every year. So, if you are looking for a co-branded credit card to maximise your savings to up to 5% on Tata brand purchases, then these cards can prove to be useful for you. 

Suggested Read: Best SBI Credit Cards 2025

On this page
Features & Benefits of Tata Credit Cards
Fees & Charges for Tata Credit Cards
How to Apply for a Tata Credit Card?
FAQs

Features & Benefits of Tata Credit Cards

Given below are the features and benefits of Tata Credit Cards:

Tata Premium Credit Cards (Platinum Variants)

Common Features:

  • 3X reward points on departmental and grocery stores, international and dining spends
  • 1 reward point per Rs. 100 spent on other retail outlets; 1 Point = Rs. 1
  • 8 free domestic Mastercard lounge visits per year, max. 2 per quarter
  • 1% fuel surcharge waiver, up to Rs. 250 per month, on fuel spends of Rs. 500 to Rs. 4,000

Other Key Features of TATA STAR Card SELECT:

  • Rs. 3,500 e-gift voucher from STAR on joining
  • Rs. 3,000 e-gift voucher from STAR on spending Rs. 2 lakh in the previous year
  • 3.5% value-back at STAR outlets
  • Up to 5% value-back at select Tata outlets
  • Rs. 3,000 STAR e- gift voucher each on reaching Rs. 4 lakh and Rs. 5 lakh annual spends respectively

Other Features of Tata Card SELECT and Tata Croma Card SELECT:

  • E-gift voucher of Rs. 3,000 from Yatra, Hush Puppies/Bata, Aditya Birla Fashion, or Westside on joining and as annual bonus on spending Rs. 2 lakh in the previous year
  • 2% value-back at Croma store and retail website
  • Up to 5% value-back at Tata outlets
  • Rs. 3,000 voucher from Yatra, Hush Puppies/Bata, Westside, or Aditya Birla Retail on reaching each of the annual spend milestone of Rs. 4 lakh and Rs. 5 lakh respectively

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Tata Classic Credit Cards (Titanium Variants)

Common Features:

  • Up to 5% value-back on spends on select TATA outlets
  • 3X reward points at departmental and grocery stores
  • 1 reward point per Rs. 100 spent on other retail spends; 1 Point = Rs. 1
  • Annual fee waived on Rs. 1 lakh annual spends
  • 1% fuel surcharge waiver, up to Rs. 100 per month, on fuel spends of Rs. 500 to Rs. 3,000

Other Key Features of TATA STAR Titanium Card:

  • E-gift voucher of Rs. 1,000 from STAR as joining bonus
  • 3.5% value-back on spends at STAR outlets

Other Key Features of Tata Card and Tata Croma Card:

  • 500 Empower Points on spending Rs. 2,000 within the 1st 60 days with offers and vouchers from Tata partners and other brands as joining bonus
  • 1.5% value-back on spends at Croma stores and retail website

Fees & Charges for Tata Credit Cards

Some of the major credit card fees and charges associated with Tata Cards usage are as follows:

Fees & Charges Amount
Joining/Annual Fee Tata Premium Credit Cards: Rs. 2,999 + applicable taxes
Tata Classic Credit Cards: Rs. 499 + applicable taxes
Add-on Card Fee Nil
Finance Charges Up to 3.50% p.m. (42% p.a.)
Forex Mark-up Fee 3.5%
Cash Advance Fees 2.5% of the transaction amount, subject to a minimum of Rs. 500
Late Payment Charges For total amount due of –
Up to Rs. 500: Nil
More than Rs. 500 to Rs. 1,000: Rs. 400
More than Rs. 1,000 to Rs. 10,000: Rs. 750
More than Rs. 10,000 to Rs. 25,000: Rs. 950
More than Rs. 25,000 to Rs. 50,000: Rs. 1,100
More than Rs. 50,000: Rs. 1,300

How to Apply for a Tata Credit Card?

You can apply for Tata Credit Cards online through the official Tata cards website tatacard.com by following the steps given below:

Step 1: Visit the official Tata Card website to browse through the list of Tata credit cards

Step 2: Choose the Tata co-branded credit card that best suits your needs

Step 3: Click on the apply button corresponding to the card you wish to apply online for

Step 4: Fill the card application with the required details (personal and professional) and register your mobile number

Step 5: Submit the Tata SBI Credit Card application form

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FAQs

What is the eligibility criteria for Tata Credit Cards?

Those who are 18 years or above in age and have a stable source of income either as a salaried employee or a self-employed are eligible to apply for Tata Credit Cards. Further eligibility is dependent on the card issuer’s internal policies.

What is the limit of Tata credit card?

The credit limit of a Tata Capital Credit Card is assigned at the time of card issuance and varies from one user to another. This limit is dependent on the cardholder’s credit history and profile, income and other such factors. On the other hand, the Tata credit card’s spending limits can be set by the card user by logging into the card account.

Is Tata Credit Card free?

No, Tata cards are not free but rather come with a joining as well as annual fee. Tata Platinum cards come with a fee of Rs. 2,999, while Tata Titanium cards charge a fee of Rs. 499.

Which Tata Credit Card is the best?

The best-suited Tata Capital Credit Card for you would be the one whose benefits best align with your lifestyle and spending habits, and using which you can maximise your savings.

Is Tata Card an SBI Card?

All Tata Credit Cards are issued by SBI Card in partnership with Tata Capital Financial Services.

You can also check out Tata Neu co-branded cards offered by HDFC Bank and SBI Card:

Tata Neu Plus HDFC Credit Card Tata Neu Plus SBI Card
Tata Neu Infinity HDFC Bank Credit Card Tata Neu Infinity SBI Card
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