Tata Titanium Credit Card Review

If you shop regularly from Tata Croma or Cromaretail, then you would love the tata titanium credit card. It is a co-branded credit card that SBI has launched in association with TATA capital financial services. Targeting the new age Indian credit card users this card offers powerful rewards on every transaction, exclusive value back on online shopping, attractive fuel surcharge waiver and lots more.

Now let’s go through the sbi tata card benefits and let’s see if the benefits offered by this card can justify the Rs.499 annual fee.

Who can apply for the sbi tata titanium credit card?

• Resident Type: Indian. 
• For salaried person:
  • Age: 21 to 60 yrs. 
  • Income: Above Rs.25,000 monthly. 
• For self-employed person:
  • Age: 21 to 65 yrs. 
  • Income: Above Rs.25,000 monthly.
• A good CIBIL Score (Above 750) is mandatory to apply for this Tata sbi titanium credit card.

As you submit your tata croma credit card application, you will get an unique application id. You can later use that id to track your tata titanium credit card application status.

What documents are required to apply for the tata titanium credit card?

• Photocopy of ID Proof (any 1)
  • Aadhar card
  • Voter Card
  • Passport
  • PAN Card
• Photocopy of Address proof (any 1) 
  • Last 6 months bank account Statement
  • Aadhar Card 
  • Driving License 
  • Passport
  • Utility bill
• One recent passport-sized photographs
• Proof of income statement:
  • Salaried Person (any 1)
    • Latest salary slip, (3 months) 
    • ITR (Income Tax Return) 
  • Self-employed person
    • Latest Income tax return. 
    • Proof of business
    • Recently audited financial report.

 What are the tata titanium card fees?

• Tata titanium card joining fee: Rs.499 + GST
• What is the annual fee for tata titanium card: Rs.499 + GST

What are the sbi tata titanium credit card benefits?

• Get started with a huge joining bonus:

As you activate your tata card and spend Rs.2000 or more within the first 2 months, you will get 500 reward points as a welcome gift. 

• Make shopping more rewarding:

Every time you shop at cromaretail.com and Croma you will get 1.5% value back. Also, this tata credit card offers a 5% value back at Tata outlets.

• Make your transactions more rewarding:

With every transaction you make using this titanium card, you can earn tata card reward points. 

Category of transaction	Rate of earning tata credit card reward points
Grocery and departmental stores	3X tata rewards for every Rs.100 spent
Retail transactions	1 tata card rewards point for every Rs.100 spent

These tata card reward points are redeemable and you can convert them into cash (1 empower point = Rs.1). You can check the status of your reward points from your tatacard online banking account, click here to go to the tata card login page.

• Enjoy freedom from fuel surcharges:

This Tata sbi titanium credit card offers a 1% fuel surcharge waiver, this surcharge waiver offer is applicable at any fuel station in India. The transaction amount should be between Rs.500 to Rs.3,000. You can save a maximum of Rs.100 per tata sbi credit card statement cycle. 

• Turn your card into a lifetime free credit card:

On spending Rs.1 lakh or more with your card within a year, you can get a complete waiver on your next year’s Tata titanium card annual fee.

• A very useful balance transfer facility:

You can transfer the outstandings of your other cards to this tata credit card and enjoy a lower interest rate on your dues, you will also get some extra time to pay off your dues.  

• Enjoy easy bill splitting:

This credit card facility allows you to convert your high-value purchases into EMI. It is a very helpful feature for frequent shoppers. Go to the tata titanium card login page and log in to your account to check the status of your active EMIs.

• Your perfect travel companion:

The tata cards are accepted all around the world. You will be able to use your tata sbi card in more than 24 million outlets around the world and 3.25 lakh outlets in India.

What are the Tata titanium credit card charges?

Particulars	Payable amount
Tata credit card cash withdrawal charge	2.5% against the amount, min Rs.500 (check your available tata titanium credit card limit before making a withdrawal)
SBI tata card finance charge	3.50% monthly or 42% annually (applicable if your tata card payment is not made within the due date)
Tata capital credit card foreign currency conversion charge	3.5% against the transaction amount
Tata card add-on card fee	None

How to contact the tata star titanium credit card customer care department?

• Call the tata star titanium card customer care no: 1800-180-8282 (Toll-Free) or 022-3902-3456
• Write to the tata sbi credit card customer care mail id: customer.care@tatacard.com or nodalofficer@sbicard.com 

100xGain Ratings: 

7/10

Pros and cons of the tata croma titanium credit card:

Pros	Cons
You can earn some handsome cashback on your shopping. This sbi tata card also offers reward points on your daily expenses.	The shopping benefits are only applicable to Croma and TATA outlets. The annual fee for tata titanium card seems a bit high, compared to its benefits.

Final Opinion:

If you are looking for a lifetime free credit card for daily uses and shopping benefits, then this tata sbi credit card can be a good option for you. With the powerful rewards and value back offers it can offer you handsome monthly savings. 

But if you are looking for benefits on amazon, flipkart or other e-commerce sites, then you will be disappointed with this tata employee titanium card. In this case, I would recommend you take a look at the alternative card options given below. You can also take a look at our lifetime free credit cards page.

Alternative cards of the sbi tata titanium card: 

1. ICICI Bank Platinum Chip Credit Card (Best for reward and dining benefits)
2. Kotak Mahindra Urbane Gold Credit Card (Best for reward and movie benefits)
3. RBL Titanium Delight Credit card (Best for reward points) 
4. IRCTC SBI Premier Card (Best for reward and lounge access benefits)