Tata Croma Card Select
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get an e- gift voucher worth Rs 3,000 from any of the following brands: Yatra, Hush Puppies / Bata, Aditya Birla Fashion, Westside.
Milestone Benefits
Milestone Benefit: Users will get gift vouchers for spending Rs Rs 4 Lakhs and Rs Rs 5 Lakhs each.
Cashback Rate
The value of 1 reward point = INR 1.
Users will get 3 reward points for every Rs. 100 spent on departmental & grocery stores, dining & international spends, an effective cashback rate of 3%.
1 reward point for every Rs. 100 spent on other retail spends with a cashback rate of 1%.
Cardholders can earn 5% value back as Croma points on spends at Croma and cromaretail.com, and 2% value back as Croma points at Tata outlets (including Tata Cliq, Tata Sky, Tata Power, and Tata Play).
1 Croma point is earned for every Rs. 100 spent on other retail outlets. 8 complimentary visits per year to domestic MasterCard lounges in India (Max. 2 visits per quarter).
Movie Benefits
None
Dining Benefits
Reward System: The value of 1 reward point = Rs 1. Users will get 3 reward points for every Rs 100 spent on departmental & grocery stores, dining & international spends, an effective cashback rate of 3%
Other Benefits
Travel insurance: Cardholders get complimentary travel insurance of up to Rs. 1 crore for domestic travel and up to Rs. 2 crore for international travel.
Purchase protection: Cardholders get purchase protection of up to Rs. 10,000 against theft or loss of goods purchased with the card.
Extended warranty: Cardholders get an extended warranty of up to 1 year on products purchased with the card.
Balance transfer: Cardholders can transfer their outstanding balance from other credit cards to the Tata Croma Card Select at a lower interest
EMI conversion: Cardholders can convert their eligible purchases into EMIs at a competitive interest rate. Add-on cardst
Lounge Access
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get an e- gift voucher worth Rs 3,000 from any of the following brands: Yatra, Hush Puppies / Bata, Aditya Birla Fashion, Westside.
Milestone Benefits
Milestone Benefit: Users will get gift vouchers for spending Rs Rs 4 Lakhs and Rs Rs 5 Lakhs each.
Cashback Rate
The value of 1 reward point = INR 1.
Users will get 3 reward points for every Rs. 100 spent on departmental & grocery stores, dining & international spends, an effective cashback rate of 3%.
1 reward point for every Rs. 100 spent on other retail spends with a cashback rate of 1%.
Cardholders can earn 5% value back as Croma points on spends at Croma and cromaretail.com, and 2% value back as Croma points at Tata outlets (including Tata Cliq, Tata Sky, Tata Power, and Tata Play).
1 Croma point is earned for every Rs. 100 spent on other retail outlets. 8 complimentary visits per year to domestic MasterCard lounges in India (Max. 2 visits per quarter).
Movie Benefits
None
Dining Benefits
Reward System: The value of 1 reward point = Rs 1. Users will get 3 reward points for every Rs 100 spent on departmental & grocery stores, dining & international spends, an effective cashback rate of 3%
Other Benefits
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Lounge Access
Fees & Charges
Joining Fee
INR 3,000.
Annual Fee
INR 3000
Cash Advance Fee
Cash withdrawal fee: SBI and other domestic ATMs: 2.5% of transaction amount (subject to a minimum of Rs. 500).
Interest rate
Upto 3.50% p.m. (42% p.a.) for Unsecured Cards; 2.5% p.m. (33% p.a.) for Secured Cards
Late Payment Fee
Late payment: NIL for Total Amount due from Rs.0-Rs.500; Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Total Amount due greater than Rs. 10.000 & up to Rs. 25,000 Rs. 1100 for Total Amount due greater than Rs. 25,000 & up to Rs. 50,000 Rs. 1300 for Total Amount due greater than Rs. 50,000
Foreign Currency Transactions Fee
3.50%
Other Fees
1% fee on 1% of transaction amount for transaction Amount Between Rs. 500 to Rs. 4,000. | Fee on booking railway tickets through irctc.co.in : 1.8% of transaction amount + all applicable taxes
Fees & Charges
Joining Fee
INR 3,000.
Annual Fee
INR 3000
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Upto 3.50% p.m. (42% p.a.) for Unsecured Cards; 2.5% p.m. (33% p.a.) for Secured Cards
Late Payment Fee
Late payment: NIL for Total Amount due from Rs.0-Rs.500; Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Total Amount due greater than Rs. 10.000 & up to Rs. 25,000 Rs. 1100 for Total Amount due greater than Rs. 25,000 & up to Rs. 50,000 Rs. 1300 for Total Amount due greater than Rs. 50,000
Foreign Currency Transactions Fee
3.50%
Other Fees
1% fee on 1% of transaction amount for transaction Amount Between Rs. 500 to Rs. 4,000. | Fee on booking railway tickets through irctc.co.in : 1.8% of transaction amount + all applicable taxes
Special Features
Eligibility Criteria
Minimum age of the card holders should be 18. Only Indian residents can apply.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
To apply for a Tata Croma Card Select, you can follow these steps:
Visit the Tata Card website or app.
Click on the "Apply Now" button for the Tata Croma Card Select.
Fill in the application form with your personal and financial details.
Upload the required documents, such as your PAN card, Aadhaar card, and income proof.
Review your application and submit it.
Once your application is submitted, Tata Card will review it and get back to you within a few days.
If your application is approved, you will receive your Tata Croma Card Select in the mail within 7-10 working days.
Contact Details
Account Opening and Procedure
The Tata Croma Card Select is a good option for frequent Croma shoppers and those who spend significantly at other Tata-owned stores. The high rewards on these spends, welcome bonus, milestone benefits, and other perks offer good value. However, the limited reward scope, lower point value, high annual fee, and minimum point requirement for lounge access might not be ideal for those who value broader benefits or don't regularly shop at Croma or other Tata stores.
The Tata Croma Card Select is a good option for frequent Croma shoppers and those who spend significantly at other Tata-owned stores. The high rewards on these spends, welcome bonus, milestone benefits, and other perks offer good value. However, the limited reward scope, lower point value, high annual fee, and minimum point requirement for lounge access might not be ideal for those who value broader benefits or don't regularly shop at Croma or other Tata stores.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai