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Tata Croma Card Select

Product Details
Credit Card Name : 

Tata Croma Card Select

Bank Name :

Tata Cards

Type :

Shopping Credit Card

Interest Rate : 

Finance charges#: Upto 3.50% p.m. (42% p.a.) for Unsecured Cards; 2.5% p.m. (33% p.a.) for Secured Cards

Eligibility :

Minimum age of the card holders should be 18. Only Indian residents can apply.

Tata Croma Card Select
Pros
  • 2% value back on spends at Croma. 

  • Upto 5% value back on spends on select TATA Outlets. 

  • Gift Vouchers on spends of Rs. 4 lakhs and Rs. 5 lakhs each. 

  • 8 complimentary visits per year to Domestic MasterCard Lounges in India (Max. 2 visits per quarter). 

  • Transfer the outstanding balance of other credit cards to this Card, offering lower rate of interest

Cons
  • Joining fee is high.

Pros & Cons
Welcome Benefits
e- Gift Voucher worth Rs. 3,000 from any of the following brands: Yatra, Hush Puppies / Bata, Aditya Birla Fashion, Westside *Anniversary Gift: Eligibility on crossing spends of Rs. 2 lakhs in the previous year
Rewards System
  • 1 Reward Point = INR 1 

  • 3 Reward Points per Rs. 100 spent on Departmental & Grocery stores, Dining & International spends 1 Reward Point per Rs. 100 spent on other retail spends

  • Effective Cashback Rate: 2.5%

International Forex Markup

IFM- 3.50%

Welcome Benefits and Reward System
Special Features
None
Eligibility Criteria

Minimum age of the card holders should be 18. Only Indian residents can apply.

Benefits
  • The Tata Croma Card Select offers a variety of benefits, including: 

  • Rewards: 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. 

  • Fuel surcharge waiver: Cardholders get a fuel surcharge waiver of 1% on all fuel transactions at petrol pumps in India. 

  • 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 rate. 

  • EMI conversion: Cardholders can convert their eligible purchases into EMIs at a competitive interest rate. Add-on cards: Cardholders can get up to 3 add-on cards for their family members.

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.

Account Opening and Procedure
Tata Croma Card Select

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

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

Product Review
Fees & Charges
  • Joining fee: INR 3,000. 

  • Annual Fee: INR 3000 

  • Cash withdrawal fee: SBI and other domestic ATMs: 2.5% of transaction amount (subject to a minimum of Rs. 500). 

  • 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

  • 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

Fuel Surcharge
1%. Surcharge waiver of Rs. 250 per month per credit card account
Billing Cycle

30 Days

Fees & Charges
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