Tata Titanium Card

There are so many credit cards available for the customers of SBI for their daily uses. SBI offers Tata Titanium Card in co-operation with Tata. This card is specially designed for lifestyle benefits. The card has so many privileges such as welcome gift vouchers, joining benefits, value back, empower points, spend based fee reversal, fuel surcharge waiver, worldwide acceptance, credit facility, add-on card benefits, cash on the go, online railway ticket bookings,  utility bill payments, balance transfer, flexipay, e- statements benefits etc.

Lets discuss about the card briefly –

Eligibility Criteria:

  • Age: The applicant should be 21 years old or more.
  • Citizenship: Applicant should be an Indian.
  • Occupation:  The applicant should be a Tata employee or non-Tata employee.
  • Income : Applicant should have a decent income.

Required Documents:

  • Identity proof: Aadhaar card, electricity bill, telephone bill, water bills etc.
  • Income proofs: 

Last 3 month’s bank statement, salary slip of last 3 months or any document of income.

Recent Income Tax Returns, Balance sheets.

  • PAN card
  • Photographs.

Fee:

   Annual fee – Rs.499 + Taxes

   Renewal fee/ annum – Rs.499.

There is no add-on card fee.

Privileges on Tata Titanium Card :

  • Welcome gifts: If you choose Tata Titanium card you will be able to get some welcome gifts. After receiving of your card you will get a SMS on your registered mobile number. You will receive gift vouchers by this SMS. You can choose the gift vouchers by replying the SMS or by calling the customer care number.
  • Joining Gifts:
    • If you spend Rs.2000 or more you will get 500 empower points worth Rs.500.
    • You have to spend Rs.2000 or more in between 2 months of receiving the card to claim this offer.
    • Balance transfer, easy money, draft spends etc. are not applicable for this offer.
    • This offer is valid only for new cards.
  • Reward points:
    • If you spend Rs.100 for shopping at departmental stores and grocery stores you will get 3 empower points.
    • If you spend Rs.100 for other purposes you will get 1 empower point.

These empower points are convertible and you can convert this reward points into

Cash ( 1 empower points is equals to Rs.1 ).

  • Value Back:
    • If you spend for shopping at cromaretail.com and Croma you will get 1.5% value back.
    • If you spend at Tata outlets you will get 5% value back.
  • Spend Based fee Reversal: 
    • You can save the annual fee if you spend Rs.1 lakh or more in a year.
    • If you spend minimum Rs.1 lakh in the 1st year, you will get the 2nd year membership freely.

Other privileges:

  • Fuel Surcharge Waiver : There is a offer for all Tata Titanium cardholders at any petrol pump. You will be able to get freedom from 1% fuel surcharge. (You can save only maximum Rs.100 per statement Cycle)
    • The transaction must be in between Rs.500 to Rs.3000 if you want to get the offer.
    • The GST is not applicable in this waiver.
    • If you want to raise this profit, use the card at petrol pump you want all over India.
  • Worldwide Acceptance:  You can use your card in all around the world. You will be able to use your card in more than 24 million outlets around the world and 3.25 lakhs outlets in India.

To make payments use your card at any outlet which accepts  Master card.

  • Credit Facility: You can pay your credit card dues with your card easily.

You will be able to pay the amount whatever you want from the minimum due amount to the due outstanding amount. You can see the amount in details in the monthly statement. There is a low finance charge applicable.

  • Add-on Cards : You can use add-on cards for your family ( parents, spouse, children,  brothers and sisters whose age must be 18 years) for their uses.
  • Cash on the Go: You will be able to withdraw money from more than 1 million Visa and MasterCard ATMs all around the world.
  • Online railway ticket bookings:  You can book railway ticket via online with your card. You will get your tickets at doorstep. For bookings you have to register at irctc.co.in.
  • Utility Bill Payment Facility: You can use your card for your utility bill payments such as electricity bill, water bill, telephone bill, etc.
  • Balance transfer on EMI : You can pay your EMI by your card to gain a low rate of interest as well as you can save money while you pay your EMIs through your card.

You can transfer the outstanding balance of card of other’s bank to your Tata Titanium card. There is a very low interest rate. Thus you can save money while paying the dues of your card.

  • Flexipay : If you purchase with the help of your card , you can convert your transaction in easy monthly instalments. You have to pay very low interest. To use this facility ( convert into flexipay)  you have to log in to sbicard.com with your username and password in between 1 month of your purchase.
  • E-statements: You will get your monthly statement in your mailbox.
  • Charges :
    • Interest free period 20days to 50 days.
  • Finance charges 3.35% per month and 40.2% per year.
  • Cash advance fees 2.5% of the amount at SBI and other ATMs (minimum Rs.500) and 2.5% for International ATMs.
    • Cash payment fees Rs.100.
    • Rs.100 for Cheque pick up fee
    • Cheque fee Rs.100.
  • Payment dishonor fee 2% of transaction amount ( minimum Rs.450).
  • Rs.100 for statement retrieval .
  • Rs.225 per charge-slip for charge slip retrieval.
  • Late payment: 
    • 0 for due of Rs.0 to Rs.500
    • Rs.400 for due of Rs.500 or more and upto Rs.1000
    • Rs.750 for due of Rs.1000 or more and upto Rs.10000
    • Rs.950 for due of Rs.10000 or more.
  • Rs.100 for card replacement.
  • Over limit charges 2.5% of the amount ( minimum Rs.500)
  • $175 for emergency card replacement at abroad.
  • Foreign currency mark-up 3.5%.
  • Rs.500 for cash upgrade fees.

Customer Care: If you want to know more about the card you can contact in this 24×7 helpline number 1800 180 1290. Or 39 02 34 56.

100X Gain Rating: 3.5 stars.

Final Opinion: If you are searching for a credit card with many features and benefits you can use the Tata Titanium Card for your daily purchases. You can save money by using it by its empower points.

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