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tata capital credit card

Tata Capital Credit Card

Choose the best Tata Capital credit card for yourself, and earn maximum benefits in the form of reward points, air miles, discounts and more. You can find the credit card that suits your spending needs & pattern the best. Apply for Tata Capital credit card after analysing features & benefits of all Tata Capital cards to make an informed decision.

On Tata Capital website
  • About
  • Credit Card
  • Types of TATA Capital Credit Cards
  • Features and Benefits
  • Detailed Features
  • Rewards Details
  • Fee Details
  • Charges Details
  • Eligibility & Documents Required
  • How to Apply
  • Bill Payment
  • Customer Care Numbers

About Tata Capital

Tata Capital Limited was founded in 2007 as a subsidiary of the iconic Tata Sons Limited. Driven by the promise - "We only do what's right for you", the company provides focused and transparent financial solutions to help people fulfil their financial dreams. Its vast suite of financial products, that caters to the distinctive needs of retail, corporate and institutional customers, helps the company meet its objectives. 

Tata Capital Limited is a Systemically Important Non Deposit Accepting Non Banking Financial Company (NBFC) registered with the Reserve Bank of India. It operates in all realms of finance namely Commercial Finance, Infrastructure Finance, Wealth Management, and Consumer Loans. Tata Capital Limited in collaboration with State Bank of India also distributes and markets Tata Capital Credit Cards.

Tata Capital Credit Card

Tata Capital Limited enjoys a pan India presence. Operating in more than 140 cities of India, it has over 200 + branches across the country.

The institution offers different types of credit cards to cater to the distinct needs of customers. It provides credit cards for individual and business uses. In addition to convenient and secure access to money, users can avail of numerous benefits offered by Tata Capital Credit Cards. The cards can be used online and offline as well as domestically and internationally.

Types of Tata Capital Credit Card

Tata Capital Credit Cards are available in two variants

  • Classic Card
  • Premium Card

The Classic Card is further available in three variants

  • Tata STAR Titanium Card
  • Tata Titanium Card
  • Tata Croma Titanium Card

There are three variants under Premium Card

  • Tata STAR Platinum Card
  • Tata Platinum Card
  • Tata Croma Platinum Card

Features and Benefits of Tata Capital Credit Card

The following are the features and benefits of Tata Capital Credit Card:

  • Avail lower interest option by transferring outstanding balances of other credit cards to Tata Capital Credit Card and payback in easy EMIs.
  • Tata Capital Credit Card offers you instant cash option. Use 'Encash' up to or above your credit card limit and remain cash-ready always.
  • Have cheque delivered at your doorstep through Tata Cash Easy Money.
  • Use Tata Capital Credit Card at any ATM across India to withdraw instant cash.
  • Provides comprehensive insurance cover against fraud, card loss and card theft. Accidental and health cover insurance also available.
  • Features like features like Auto Pay, Register & Pay and Fast Pay ensure convenient utility bill payments.
  • Simply SMS service allows you to get real-time account updates instantly on your registered mobile number.
  • Easy option to access and manage your Tata Capital Credit Card account anytime and anywhere.
  • Reward points for every usage of the card are available.

Detailed Features Of Tata Capital Credit Card

The following are the detailed features of Tata Capital Credit Card

Name of the CardFeatures
Tata STAR Titanium Card
  • Worldwide acceptance at 24 million outlets globally, including 3,25,000 outlets in India.
  • Option to pay Minimum Due or Total Outstanding on due date.
  • Lowest finance charges for carry forward of unpaid balance.
  • Avail 1% fuel surcharge waiver at all petrol pumps across the country. Maximum waiver of 100 per payment cycle, per credit card.
  • Avail Add-On card facility for family members including spouse, parents, children or siblings above 18 years of age.
  • Instant cash withdrawal option from over 1 million Visa or MasterCard ATMs globally.
  • Interest free credit period of 20-50 days on retail purchases.
  • Book Railway tickets online and enjoy doorstep delivery.
  • Pay utility bills online including electricity, telephone and insurance payouts.
  • Avail lower interest Balance Transfer facility from other credit cards to Tata STAR Titanium Card.
  • 24X7 Customer Care facility.
  • Convenience to pay in easy EMI options. Convert to Flexipay Plan within 30 days of purchase.
  • Enjoy real-time updates of card usage on registered mobile number through Simply SMS facility.
  • Enjoy e-statement every month in your registered email inbox.
Tata Titanium Card
  • Accepted globally at 24 million outlets, including 3,25,000 outlets in India.
  • Avail 1% fuel surcharge waiver at all petrol pumps across the country on every fill-up between 500 to 3,000. Maximum waiver of 100 per payment cycle, per credit card.
  • Option to pay Minimum Due or Total Outstanding on due date.
  • Interest free credit period of 20-50 days on retail purchases.
  • Lowest finance charges for carry forward of unpaid balance.
  • Avail Add-On card facility for family members including spouse, parents, children or siblings above 18 years of age.
  • Instant cash withdrawal option from over 1 million Visa or MasterCard ATMs globally.
  • Book Railway tickets online and enjoy doorstep delivery of tickets.
  • Pay utility bills online including electricity, telephone and insurance payouts.
  • Avail lower interest Balance Transfer facility from other credit cards to Tata Titanium Card.
  • 24X7 Customer Care facility.
  • Convenience to pay in easy EMI options. Convert to Flexipay Plan within 30 days of purchase.
  • Enjoy real-time updates of card usage on registered mobile number through Simply SMS option.
  • Enjoy e-statement every month in your registered email inbox.
Tata Croma Titanium Card
  • Global acceptance at 24 million outlets worldwide, including 3,25,000 outlets in India.
  • Avail 1% fuel surcharge waiver at all petrol pumps across the country on every fill-up between 500 to 3,000. Maximum waiver of 100 per payment cycle, per credit card.
  • Interest free credit period of 20-50 days on retail purchases.
  • Option to pay Minimum Due or Total Outstanding on due date.
  • Lowest finance charges for carry forward of unpaid balance.
  • Add-on card facility for family members available.
  • Instant cash withdrawal option from over 1 million Visa or MasterCard ATMs globally.
  • Book Railway tickets online and enjoy doorstep delivery of tickets.
  • Pay utility bills online including electricity, telephone and insurance payouts.
  • Transfer outstanding balance from other credit cards to Tata Croma Titanium Card at lower interest rates and enjoy payout at lower EMIs.
  • Convenience to pay in easy EMI options. Convert to Flexipay Plan within 30 days of purchase.
  • 24X7 Customer Care facility.
  • Enjoy real-time updates of card usage on registered mobile number through Simply SMS option.
  • Enjoy e-statement every month in your registered email inbox.
Tata STAR Platinum Card
  • Globally accepted at 24 million outlets worldwide, including 3,25,000 outlets in India.
  • Avail 1% fuel surcharge waiver at all petrol pumps across the country on every fill-up between 500 to 4,000. Maximum waiver of 250 per payment cycle, per credit card.
  • Interest free credit period of 20-50 days on retail purchases.
  • Add-on card facility for family members available.
  • 24x7 Customer Care Support.
  • 8 free airport lounge access per year at Domestic MasterCard Lounges in India maximum of 2 per quarter.
  • Option to pay Minimum Due or Total Outstanding on due date.
  • Lowest finance charges for carry forward of unpaid balance.
  • Instant cash withdrawal option from over 1 million Visa or MasterCard ATMs globally.
  • Book Railway tickets online and enjoy doorstep delivery of tickets.
  • Pay utility bills online including electricity, telephone, and insurance payouts.
  • Transfer outstanding balance from other credit cards to Tata STAR Platinum Card at lower interest rates and enjoy and enjoy paying in convenient EMIs.
  • Convenience to pay in easy EMIs. Convert to Flexipay Plan within 30 days of purchase.
  • Enjoy real-time updates of card usage on registered mobile number through Simply SMS option.
  • Enjoy e-statement every month in your registered email inbox.
Tata Platinum Card
  • Globally accepted at 24 million outlets worldwide, including 3,25,000 outlets in India.
  • Avail 1% fuel surcharge waiver at all petrol pumps across the country on every fill-up between 500 to 4,000. Maximum waiver of 250 per payment cycle, per credit card.
  • Interest free credit period of 20-50 days on retail purchases.
  • 8 free airport lounge access per year at Domestic MasterCard Lounges in India maximum of 2 per quarter.
  • Option to pay Minimum Due or Total Outstanding on due date.
  • Lowest interest rate charges for carry forward of unpaid balance.
  • Instant cash withdrawal option from over 1 million Visa or MasterCard ATMs globally.
  • Book Railway tickets online and enjoy doorstep delivery of tickets.
  • Pay utility bills online including electricity, telephone, and insurance payouts.
  • Transfer outstanding balance from other credit cards to Tata Platinum Card at lower interest rates and enjoy paying in convenient EMIs.
  • Convenience to pay in easy EMIs. Convert to Flexipay Plan within 30 days of purchase.
  • Enjoy real-time updates of card usage on registered mobile number through Simply SMS option.
  • Enjoy e-statement every month in your registered email inbox.
Tata Croma Platinum Card
  • Globally accepted at 24 million outlets worldwide, including 3,25,000 outlets in India.
  • Avail 1% fuel surcharge waiver at all petrol pumps across the country on every fill-up between 500 to 4,000. Maximum waiver of 250 per payment cycle, per credit card.
  • Interest free credit period of 20-50 days on retail purchases.
  • Add-on card facility for family members available.
  • 24x7 Customer Care Support.
  • 8 free airport lounge access per year at Domestic MasterCard Lounges in India maximum of 2 per quarter.
  • Option to pay Minimum Due or Total Outstanding on due date.
  • Lowest finance charges for carry forward of unpaid balance.
  • Instant cash withdrawal option from over 1 million Visa or MasterCard ATMs globally.
  • Book Railway tickets online and enjoy doorstep delivery of tickets.
  • Pay utility bills online including electricity, telephone, and insurance payouts.
  • Transfer outstanding balance from other credit cards to Tata Croma Platinum Card at lower interest rates and enjoy paying in convenient EMIs.
  • Convenience to pay in easy EMIs. Convert to Flexipay Plan within 30 days of purchase.
  • Enjoy real-time updates of card usage on registered mobile number through Simply SMS option.
  • Enjoy e-statement every month in your registered email inbox.

Tata Capital Credit Card Rewards Details

Tata Capital Credit Card comes with an inbuilt benefit of numerous rewards. The details of the rewards of Tata Capital Credit Card are listed in the table below:

Name of the CardRewards
Tata STAR Titanium Card
  • 3 Reward Points per 100 spent on departmental and grocery stores
  • 1 Reward Point per 100 spent on other retail spends
  • 1 Reward Point = Re. 1

Card Specific Rewards

  • 1000 Welcome e- Gift Voucher from STAR.
  • 3.5 % value back on spends at STAR Outlets.
  • Upto 5% value back on spends at select TATA Outlets.
  • Complimentary Star Club Card with up to 500 monthly Bonus.
  • Spending based fees reversal on shopping of 1,00,000 and above per year.
Tata Titanium Card
  • 3 X Points for departmental and grocery purchases.
  • 1 Empower Point per 100 spent on other retail outlets.
  • 1 Empower Point = Re. 1

Card Specific Rewards

  • 500 Empower Points worth 500 on minimum spends of 2,000 .
  • 1.5% value back on spends at online and offline Croma outlets.
  • Up to 5% value back on spends at all TATA outlets.
  • Annual fee reversal on spending 1,00,000 or more annually.
Tata Croma Titanium Card
  • 3 X Points for spends on departmental and grocery outlets.
  • 1 Reward Point per 100 spent on other retail outlets.
  • 1 Empower Point = Re. 1

Card Specific Rewards

  • 500 Empower Points worth 500 on spending of 2000 or more in first 60 days.
  • 1.5% value back on spends at Croma and www.cromaretail.com.
  • Up to 5% value back on spends at all Tata outlets
  • Annual fee reversal on spending 1,00,000 or more annually.
Tata STAR Platinum Card
  • 3 Reward Points per 100 spent at Departmental and Grocery outlets, Dining and International payments
  • 1 Reward Point per 100 spent on other retail spends.
  • 1 Empower Point = Re. 1

Card Specific Rewards

  • Welcome e-Gift voucher worth 3,500 from STAR
  • Anniversary e-Gift voucher worth 3,000 from STAR.
  • 3.5% value back upon use at STAR Outlets
  • Up to 5% value back on spends at select TATA Outlets.
  • Milestone spending rewards worth 3000 from STAR for spends of 4,00,000 and 5,00,000 each.
Tata Platinum Card
  • 3 X Reward Points on usage at Departmental and Grocery stores, Dining and International spends.
  • 1 Reward Point per 100 on spends at other retail outlets.
  • 1 Empower Point = Re. 1

Card Specific Rewards

  • Welcome e-Gift voucher worth 3,000 from select brands namely Hush Puppies, Bata, Yatra, and Westside.
  • Anniversary e-Gift voucher on spending above 2,00,000 in previous year.
  • 2% value back on offline and online purchases at Croma and cromaretail.com, respectively.
  • Up to 5% value back on spends at Tata outlets
  • Milestone spending rewards on annual spends of 4,00,000 and 5,00,000 each.
  • Spending based e-Gift voucher worth 3,000 from select brands namely Hush Puppies, Bata, Yatra, Westside.
Tata Croma Platinum Card
  • 3 X Reward Points on usage at Departmental and Grocery outlets, Dining and International spends.
  • 1 Reward Point per 100 on spends at other retail outlets.
  • 1 Empower Point = Re. 1

Card Specific Rewards

  • Welcome e-Gift voucher worth 3,000 from select brands like Hush Puppies, Bata, Yatra, and Westside.
  • Anniversary e-Gift voucher on spending above 2,00,000 in previous year.
  • 2% value back on offline and online purchases at Croma and cromaretail.com, respectively.
  • Up to 5% value back on spends at participating Tata outlets
  • Milestone spending rewards on annual spends of 4,00,000 and 5,00,000 each.
  • Spending based e-Gift voucher worth 3,000 from select brands namely Hush Puppies, Bata, Yatra, Westside.

Tata Capital Credit Card also offers a lucrative reward system under its Empower program. The details for each card are listed below:

Name of the CardEmpower Program Offers
Tata STAR Titanium Card
Current Empower PartnerPoints Earned For Every 100 Spent
Croma1.5
Star Bazaar3.5
Westside5
Titan3
Tanishq1.75
Landmark2
Tata Titanium Card
Current Empower PartnerPoints Earned For Every 100 Spent
Croma1.5
Star Bazaar3.5
Westside5
Titan3
Tanishq1.75
Landmark2
Tata Croma Titanium Card
Current Empower PartnerPoints Earned For Every 100 Spent
Croma1.5
Star Bazaar3.5
Westside5
Titan3
Tanishq1.75
Landmark2
Tata STAR Platinum Card
Current Empower PartnerPoints Earned For Every 100 Spent
Croma2
Star Bazaar3.5
Westside5
Titan4
Tanishq2
Landmark2
Tata Platinum Card
Current Empower PartnerPoints Earned For Every 100 Spent
Croma2
Star Bazaar3.5
Westside5
Titan4
Tanishq2
Landmark2
Tata Croma Platinum Card
Current Empower PartnerPoints Earned For Every 100 Spent
Croma2
Star Bazaar3.5
Westside5
Titan4
Tanishq2
Landmark2
  • Disclaimer: Offers keep changing from time to time.

Tata Capital Credit Card Fee Details

The details of fees charged for various variants of Tata Capital Credit Card are listed below:

Name of the CardAnnual Fee (One Time)Renewal Fee(Per Annum)Add-On Card (Per Annum)
Tata STAR Titanium Card499 + GST499 + GSTNIL
Tata Titanium Card499 + GST499 + GSTNIL
Titanium Credit Card499 + GST499 + GSTNIL
Tata STAR Platinum Card2,999 + GST2,999 + GSTNIL
Tata Platinum Card2,999 + GST2,999 + GSTNIL
Tata Croma Platinum Card2,999 + GST2,999 + GSTNIL

Tata Capital Credit Card Charges Details

The charges for Tata Capital Credit Card is as mentioned below:

Name of the chargeAmount
Finance Charge
  • Up to 3.35% p.m. for Unsecured Cards
  • 2.5% p.m. for Secured Cards
Cash Advance Fee
  • Cash Withdrawal from SBI and other domestic ATMs - 2.5% of transaction amount
  • International ATMs - 3% of transaction amount

Finance charge of 3.35% p.m. is levied on cash withdrawal from the date of transaction.

Cash Payment Charges100 per payment
Cheque Pick-up Fee100 per payment
Cheque Payment Charges100 for payments made via cheque upto 10,000
Payment Dishonour Charges2% of payment amount subject to a minimum of 450
Statement Retrieval Charges100 per statement that is more than 2 months old
Charge Slip Retrieval225 per charge slip
Late Payment/Delayed Payment Charges
Outstanding amountCharges
Less than 200Nil
200 to 500100
501 to 1,000400
1001 to 10,000600
10,001 to 25,000800
Above 25,000950
Over Limit Charges2.5% of over limit amount subject to a minimum of 500
Card Replacement Charges100
Emergency Card Replacement when abroadCost of the card subject to minimum of $175
Foreign Currency Transaction3.5% of the transaction
Cash Upgrade Fee500
Railway Ticket Surcharge
  • Over the counter reservation - 30/- plus 2.5% of the transaction
  • Online booking - 1.8% of the transaction amount

Eligibility & Documents Required For Tata Capital Credit Card

The applicant has to fulfil the following eligibility criteria to qualify for the card.

  • Salaried, self-employed, homemakers, students, retired/pensioner, and students are eligible for the card.
  • Resident as well as non-resident Indians are eligible.
  • Applicant should have a good credit score.

Documents Required For Tata Capital Credit Card

The following documents to be attached while applying for a Tata Capital Credit Card:

Self attested copy of ANY ONE photo identification cum address proof

  • Passport
  • Voter ID Card
  • Driving License
  • Aadhaar Card
  • NREGA Card
  • ID Card issued by State or Central Government in case it contains the address
  • Letter issued by the National Population Register containing details of name and address

Documents required in case current residential address and permanent address are different

  • Utility bills mot more than two months old of any service provider namely electricity, telephone, postpaid mobile phone connection, piped gas or water bill.
  • Property or Municipal Tax receipt
  • In case of employees retired by Government Departments or Public-Sector Undertakings - Pension or family pension payment orders (PPOs).
  • Letter of allotment of accommodation issued by State or Central Government departments, statutory body, public sector undertaking, scheduled commercial bank, financial institution and listed company.
  • For NRI customers, address documents issued by the Government departments of foreign countries and letter issued by the Foreign Embassy or Mission in India

How to Apply for Tata Capital Credit Card

The Tata Capital Credit Card can be applied online. Simply select the type of card you wish to apply for on the official website of the company www.tatacard.com.

By filling and submitting the online application you authorise the BICPSL and its affiliates or associates to contact you and process your credit card application further.

Making Tata Capital Credit Card Bill Payment

Tata Capital Credit Card customers can make payments both through online and offline modes.

Online Mode of Payment:

  • NEFT Payment: Credit card dues can be cleared using the IFSC SBIN00CARDS code through any bank account.
  • Paynet - Pay Online: Pay credit card dues using net banking facility provided by over 50 banks across India.
  • Online SBI: Pay card dues online using own SBI account.
  • Electronic Bill Payment (EBP): Use EBP through net banking, ATM, mobile service of select banks.
  • National Automated Clearing House (NACH): Authorise the bank to deduct minimum amount due / total amount due automatically from the bank account on a pre-specified date.
  • SBI Auto Debit: Allow SBI to deduct outstanding amount directly from SBI bank account.
  • Auto-debit: You can give instructions for auto-debit to your savings account/current account at the bank.
  • Debit Card: Use any debit card to clear dues online.
  • Unified Payment Interface (UPI): Use Smartphone to pay using any payment interface.
  • Pay via YONO: Use YONO, SBI's mobile banking app, to clear Tata Capital Credit Card dues.

Offline Payment Options:

  • Over-the-counter Payment: Pay card dues over-the-counter at any SBI branch across India.
  • Electronic Drop Box: Drop cheque at your convenience at any electronic drop box and get instant receipt.
  • Manual Drop Box: Drop cheque at any traditional drop box located at numerous locations across India.
  • SBI ATM: Swipe your debit card at any SBI ATM.

Tata Capital Credit Card Customer Care Numbers

In case of any queries regarding Tata Capital Credit Card, reach Tata Capital Credit Cards at:

  • All phones: Dial 39 02 34 56 (prefix local STD code)
  • 1800 180 8282 (from BSNL/MTNL lines)
  • customer.care@tatacard.com (Mention 16-Digit Card Number and Contact Number in the subject line)

Tata Capital Credit Card FAQs

  • Transfer outstanding balances on other credit cards to Tata Capital Credit cards
  • Avail lower rates of interest
  • Customers can avail one of the two BT options
    • 0%  rate of  interest for 60 days with processing fee of 2% or 199 whichever is higher
    • 1.7% rate of interest per month for 6 months with no processing fee
    • BT from one Tata Capital Card to the other Tata Capital Card is not allowed.
    • BT up to 75% of available credit limit on Tata Capital Credit is permitted
  • Tata Capital Credit Card customers can convert their transaction amount in easy monthly instalments under Flexipay scheme.
  • Flexipay can be availed within 30 days of transaction
  • Value of transaction must be more than 500
  • Multiple transactions of value more than 500 can be clubbed into a single Flexipay plan
  • The tenure for Flexipay can be 6, 9, 12 or 24 months.
  • In case the booking amount of Flexipay is more than 30,000, the card holder may opt for a term of 36 months
  • Encash is pre-approved, money- on- demand facility.
  • Minimum booking amount for Encash is 10,000
  • Processing fee of 2% on booking amount is applicable
  • Interest rates on Encash vary with respect to time and offers
  • Encash can be availed for 12, 24, 36 or 48 months tenure

Rewards on Tata Capital Credit card can be checked in 3 ways

  • Log onto official website www.tatacard.com and view reward summary.
  • Get Reward Point summary on the registered mobile number. SMS REWARD XXXX to 5676791. XXXX are the last 4 numbers of Tata Capital credit card.
  • Check Reward Point summary in latest credit card statement sent on registered e-mail ID.

Card members may redeem reward points within a year. The accumulated points on the Tata Capital Credit card can be carried forward for a maximum period of 1 year post which they will lapse automatically.

No, the points accumulated on one Tata Capital Credit card cannot be transferred to another even if the subscriber holds both cards.

CPP is a card protection company which provides protection against loss of card and theft. You can get all your registered and unregistered cards under the same subscriber name covered under one CPP membership.

Subscriber can register with CPP upon payment of requisite fee. The company will then dispatch a welcome kit featuring a Unique Membership Number. Subsequently, get in touch with CPP call centre to register all cards and documents.