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 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.
Also Check: Cibil score for credit card
Tata Capital Credit Cards are available in two variants
The Classic Card is further available in three variants
There are three variants under Premium Card
The following are the features and benefits of Tata Capital Credit Card:
Additional Reading: How to calculate credit score?
The following are the detailed features of Tata Capital Credit Card
Name of the Card | Features |
Tata STAR Titanium Card |
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Tata Titanium Card |
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Tata Croma Titanium Card |
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Tata STAR Platinum Card |
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Tata Platinum Card |
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Tata Croma Platinum Card |
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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 Card | Rewards |
Tata STAR Titanium Card |
Card Specific Rewards
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Tata Titanium Card |
Card Specific Rewards
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Tata Croma Titanium Card |
Card Specific Rewards
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Tata STAR Platinum Card |
Card Specific Rewards
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Tata Platinum Card |
Card Specific Rewards
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Tata Croma Platinum Card |
Card Specific Rewards
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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 Card | Empower Program Offers | ||||||||||||||
Tata STAR Titanium Card |
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Tata Titanium Card |
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Tata Croma Titanium Card |
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Tata STAR Platinum Card |
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Tata Platinum Card |
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Tata Croma Platinum Card |
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The details of fees charged for various variants of Tata Capital Credit Card are listed below:
Name of the Card | Annual Fee (One Time) | Renewal Fee(Per Annum) | Add-On Card (Per Annum) |
Tata STAR Titanium Card | 499 + GST | 499 + GST | NIL |
Tata Titanium Card | 499 + GST | 499 + GST | NIL |
Titanium Credit Card | 499 + GST | 499 + GST | NIL |
Tata STAR Platinum Card | 2,999 + GST | 2,999 + GST | NIL |
Tata Platinum Card | 2,999 + GST | 2,999 + GST | NIL |
Tata Croma Platinum Card | 2,999 + GST | 2,999 + GST | NIL |
Additional Reading: What is cibil grievance?
The charges for Tata Capital Credit Card is as mentioned below:
Name of the charge | Amount | ||||||||||||||
Finance Charge |
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Cash Advance Fee |
Finance charge of 3.35% p.m. is levied on cash withdrawal from the date of transaction. | ||||||||||||||
Cash Payment Charges | 100 per payment | ||||||||||||||
Cheque Pick-up Fee | 100 per payment | ||||||||||||||
Cheque Payment Charges | 100 for payments made via cheque upto 10,000 | ||||||||||||||
Payment Dishonour Charges | 2% of payment amount subject to a minimum of 450 | ||||||||||||||
Statement Retrieval Charges | 100 per statement that is more than 2 months old | ||||||||||||||
Charge Slip Retrieval | 225 per charge slip | ||||||||||||||
Late Payment/Delayed Payment Charges |
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Over Limit Charges | 2.5% of over limit amount subject to a minimum of 500 | ||||||||||||||
Card Replacement Charges | 100 | ||||||||||||||
Emergency Card Replacement when abroad | Cost of the card subject to minimum of $175 | ||||||||||||||
Foreign Currency Transaction | 3.5% of the transaction | ||||||||||||||
Cash Upgrade Fee | 500 | ||||||||||||||
Railway Ticket Surcharge |
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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.
The applicant has to fulfil the following eligibility criteria to qualify for the 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
Documents required in case current residential address and permanent address are different
Tata Capital Credit Card customers can make payments both through online and offline modes.
Online Mode of Payment:
Offline Payment Options:
Also Check: Credit Monitoring
In case of any queries regarding Tata Capital Credit Card, reach Tata Capital Credit Cards at:
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To earn max rewards & redeem cashback, value back offers, discounts & exclusive deals. Select the best Credit Card as per need.
Rewards on Tata Capital Credit card can be checked in 3 ways
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.