Elevate your lifestyle with premium rewards - The ultimate card for Tata loyalists
₹3,000 e-gift voucher on joining
8 complimentary visits annually
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| Benefit | Details |
|---|---|
| Exclusive Value Back on Tata & Croma | Earn up to 5% value back on spends at Tata outlets and 2% value back on purchases at Croma stores and cromaretail.com. |
| Welcome Gift Voucher | Receive an e-gift voucher worth ₹3,000 from Yatra, Hush Puppies/Bata, Aditya Birla Fashion, or Westside upon card issuance. |
| Anniversary Gift | Get a ₹3,000 e-gift voucher on spending ₹2 lakh or more in the previous year. |
| Milestone Rewards | Earn e-gift vouchers worth ₹3,000 each on annual spends of ₹4 lakh and ₹5 lakh from partner brands. |
| Airport Lounge Access | Enjoy 8 complimentary visits per year to domestic MasterCard lounges in India (maximum 2 visits per quarter). |
| Accelerated Reward Points | Earn 3X reward points on departmental stores, grocery, dining, and international spends; 1X points on other retail purchases. |
| Fuel Surcharge Waiver | Get 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, with a maximum benefit of ₹250 per statement cycle. |
| Annual Fee | ₹2,999 + GST per annum. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | SBI Card & Payment Services Ltd. (in partnership with Tata) |
| Bank / Non-bank | Bank-affiliated |
| Category | Co-branded / Premium Lifestyle Rewards |
| Type of Card | MasterCard Platinum |
| Free or Paid | ₹2,999 Annually |
The TATA Croma Card SELECT is designed for Tata brand loyalists and frequent shoppers at Croma, Westside, Titan, and other Tata Group retail outlets. This premium co-branded credit card offers substantial value back on purchases across the Tata ecosystem, along with attractive milestone benefits and exclusive gift vouchers from partner brands like Yatra, Bata, and Aditya Birla Fashion retailers. It's perfect for those who regularly shop for electronics at Croma, fashion at Westside, or utilize services from Tata partner outlets. The card also rewards everyday spending with accelerated points on groceries, dining, and international purchases, complemented by premium benefits like airport lounge access.
Global Acceptance: Use your card at over 24 million MasterCard outlets worldwide, including 325,000 outlets in India, making it versatile for both domestic and international purchases.
Add-on Cards: Provide supplementary cards to family members including spouse, parents, siblings, or children above 18 years at no additional cost.
Cash Withdrawals: Access cash from over 1 million Visa/MasterCard ATMs globally. Daily cash advance limit is up to 80% of credit limit, with a maximum of ₹15,000 per day.
Utility Bill Payments: Conveniently pay electricity, telephone, mobile, insurance, and other utility bills using the Easy Bill Pay facility.
Balance Transfer on EMI: Transfer outstanding balances from other credit cards at lower interest rates and repay in easy EMIs, providing financial flexibility.
Flexipay: Convert purchases into easy monthly installments, helping manage expenses efficiently without documentation hassles.
Extended Credit Period: Enjoy 20-50 days interest-free credit period on retail purchases if the previous month's outstanding balance is paid in full.
IRCTC Booking: Book railway tickets online through IRCTC.com using your card for convenient travel planning.
Value Back on Tata & Croma:
Croma: Earn 2% value back on all purchases at Croma stores and cromaretail.com
Tata Outlets: Earn up to 5% value back on spends at select Tata retail outlets including Westside, Titan, Tanishq, and other Tata partner stores
Empower Reward Points:
3X Reward Points: Earn 3 reward points for every ₹100 spent on:
Departmental stores
Grocery stores
Dining (Restaurants and eating establishments)
International spends
1X Reward Point: Earn 1 reward point per ₹100 on all other eligible retail spends
Redemption Value: Each reward point is valued at ₹1, providing a 1:1 redemption ratio.
Note: Reward points and value back are not applicable on Cash Withdrawals, Balance Transfers, Flexipay, Fuel transactions, Rent Payments (MCC 6513), and Government-related transactions.
Redeem accumulated reward points for:
Gift Vouchers: Exchange points for e-gift vouchers from partner brands
Statement Credit: Apply points towards your credit card statement balance
Merchandise: Redeem for products available in the Empower Rewards catalogue
JPMiles Conversion: Convert Empower points into Jet Airways JPMiles for travel redemptions
Instant Redemption: Redeem points instantly at select partner outlets
Welcome Gift: Receive an e-gift voucher worth ₹3,000 from any of the following brands upon card issuance:
Yatra (travel bookings)
Hush Puppies / Bata (footwear)
Westside (fashion and lifestyle)
Aditya Birla Fashion (redeemable at Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, Simon Carter)
Anniversary Gift: Eligible to receive a ₹3,000 e-gift voucher on spending ₹2 lakh or more in the previous year from the same partner brands.
Note: Voucher code will be sent to your registered mobile number within 30 days from payment of membership fee.
Earn e-gift vouchers worth ₹3,000 each on reaching the following annual spend milestones:
₹4 lakh annual spends: ₹3,000 voucher from Yatra/Hush Puppies/Bata/Westside/Aditya Birla Retail
₹5 lakh annual spends: ₹3,000 voucher from Yatra/Hush Puppies/Bata/Westside/Aditya Birla Retail
Total Potential: Earn up to ₹9,000 worth of e-gift vouchers annually through welcome, anniversary, and milestone benefits.
Complimentary Lounge Visits: Enjoy 8 complimentary visits per year to domestic MasterCard lounges across India.
Quarterly Cap: Maximum 2 visits per quarter allowed.
Lounge Benefits: Access to premium facilities including complimentary F&B, Wi-Fi, comfortable seating, and other amenities at major Indian airports.
1% Waiver: Get a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at fuel stations across India.
Maximum Benefit: The maximum waiver is ₹250 per statement cycle per credit card account.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹2,999 + GST | One-time charge when the card is issued. |
| Annual Fee | ₹2,999 + GST | Charged every year. No spend-based waiver available. |
| Add-on Card Fee | ₹0 | No charge for supplementary cards for family members. |
| Fuel Surcharge Waiver | 1% on transactions between ₹500–₹4,000 | Maximum benefit of ₹250 per statement cycle. |
| Cash Advance Fee (Domestic) | 2.5% of transaction amount (Min. ₹500) | Charged on each cash withdrawal at SBI and other domestic ATMs. |
| Cash Advance Fee (International) | 3% of transaction amount (Min. ₹500) | Charged on each international ATM withdrawal. |
| Finance Charges | Up to 3.35% p.m. (40.2% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for secured cards | Interest on outstanding balances. |
| Late Payment Fee | ₹100 to ₹1,300 (based on outstanding amount) | Charged if minimum amount due is not paid by the due date. |
| Cash Payment Fee | ₹100 | For payments made in cash. |
| Cheque Pick Up Fee | ₹100 | For cheque collection service. |
| Cheque Fee | ₹100 (for payments up to ₹10,000) | Processing fee for cheque payments. |
| Payment Dishonor Fee | 2% of payment amount (Min. ₹500) | Charged on dishonored cheques/payments. |
| Statement Retrieval | ₹100 per statement | For statements older than 2 months. |
| Charge Slip Retrieval | ₹225 per charge slip | For retrieving transaction charge slips. |
| Criteria | Details |
|---|---|
Age (Salaried Individuals) | Minimum 21 years |
Age (Self-Employed Individuals) | Minimum 25 years |
Maximum Age | Up to 70 years |
Occupation | Salaried / Self-Employed / Retired Pensioners |
Minimum Income | As per SBI Card assessment (typically higher for platinum cards) |
Other Criteria | Regular source of income, good credit score (750+), valid PAN card, valid address proof |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory), Passport, Aadhaar Card, Voter ID, or Driving License |
| Address Proof | Aadhaar Card (with first 8 digits masked), Passport, Voter ID, Driving License, or utility bills |
| Income Proof | Latest salary slips (Salaried), Income Tax Return (ITR), or Profit & Loss Account and Audited Balance Sheet for the last 2-3 years (Self-employed) |
Step 1: Visit the official SBI Card website or authorized channels to access the TATA Croma Card SELECT application.
Step 2: Fill in your personal details including name, contact information, employment details, and income information.
Step 3: Upload required documents - PAN Card, address proof, income proof, and recent photograph.
Step 4: Review all entered information for accuracy and submit your application.
Step 5: Once approved, your TATA Croma Card SELECT will be dispatched to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Value Back | Shop at Croma for electronics and gadgets to earn 2% value back; shop at Tata outlets like Westside, Titan, Tanishq for up to 5% value back. |
Earn Accelerated Points | Use the card for dining, groceries, and departmental store purchases to earn 3X reward points. |
Utilize International Benefits | Earn 3X points on all international spends, making it ideal for overseas travel and shopping. |
Redeem Smartly | Redeem reward points at 1:1 ratio for statement credit, gift vouchers, or convert to JPMiles for travel. |
Track Milestones | Monitor your annual spending to reach ₹4 lakh and ₹5 lakh milestones for additional ₹3,000 vouchers each. |
Use Lounge Access | Plan your airport visits to utilize complimentary lounge access (2 visits per quarter). |
Pay Utility Bills | Use the Easy Bill Pay facility for convenient payment of recurring bills. |
Track Spending | Monitor your spending, reward points, and benefits through the SBI Card mobile app or online portal. |
Set Up Alerts | Enable transaction alerts to stay informed about your spending, reward accumulation, and due dates. |
The TATA Croma Card SELECT is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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