Tata Titanium Credit Card Review

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, etc. Let’s discuss the card briefly.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above ₹25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Above ₹25,000 monthly.
  • Good CIBIL Score (750 or more). 

Required Documents:

  • 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
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 

Fee:

  • Joining Fee: ₹499 + GST
  • Annual Fee: ₹499 + GST

Benefits:

  • Welcome benefit:

With the issuance of the card, you will get 500 empower points as a welcome gift. To get this offer you have to spend Rs.2000 or more in between 2 months of receiving the card.

Balance transfer, easy money, draft spends, etc. are not applicable for this offer.

  • Value Back benefit:

If you spend for shopping at cromaretail.com and Croma you will get 1.5% value back.

Also if you spend at Tata outlets you will get 5% value back.

  • Reward benefit:

If you spend ₹100 on 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 redeemable and you can convert these reward points into 

Cash (1 empower point = ₹1).

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharges, this offer is applicable at any fuel stations in India. The transaction amount should be between ₹500 to ₹3,000.

You can save a maximum of ₹100 per month. 

  • Annual fee waiver:

If you can spend ₹1 lakh or more with your card within a year, then your annual fee for the next year will be waived off. 

  •  Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card.

  • Cash on the go:

You will be able to withdraw money from more than 1 million Visa and MasterCard ATMs all around the world.

  • Railway ticket booking:

You can book a railway ticket online with your card. You will get your tickets at the doorstep. For bookings, you have to register at irctc.co.in.

  • Utility bill payment:

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 transfer the balance of your other cards to this card to have a lower interest rate against your dues.  

  • Flexipay: 

With this facility, you can convert your high-value purchases into EMI. You can convert your transaction into EMI just by logging in to your net banking account. 

  • Security:

This card comes with a built-in EMV Chip. It adds more security and convenience to your transactions.

  • Global acceptance:

You can use your card all around the world. You will be able to use your card in more than 24 million outlets around the world and 3.25 lakh outlets in India.

Charges:

  • Cash Withdrawal Charge: 2.5% against the amount, min ₹500.
  • Finance Charge: 3.50% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1860 500 8282

        1800 180 8282

Mail: [email protected] 

100xGain Ratings:

3.5/10

Final Opinion:

If you are looking for a card for daily uses and shopping benefits, then this card can be a good option for you, this card offers benefits on retail purchases, fuel surcharge waiver, annual fee waiver, add-on facility, and several other benefits and features that can make your life much easier. So if you are looking for a card for offline use, then this card can be a good option for you.  

But if you like offline shopping, then I would not recommend you this card, since there are not many benefits with online spending. Instead, you can go for ICICI Amazon Pay Credit Card or Standard Chartered Digi Smart Credit Card

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