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Tata Star Titanium Card

Product Details
Credit Card Name : 

Tata Star Titanium Card

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 Star Titanium Card
Pros
  • 3.5% value back on spends at STAR Outlets. 

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

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

Cons
  • Joining fee is high. 

  • No complimentary lounge visits.

Pros & Cons
Welcome Benefits
Welcome e- Gift Voucher worth Rs. 1,000 from STAR
Rewards System
  • 1 Reward Point = INR 1 

  • 3 Reward Points per Rs. 100 spent on Departmental & Grocery stores, Dining 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 Star Titanium Card offers a variety of benefits, including: 

  • Rewards: Cardholders can earn 3 reward points for every Rs. 100 spent on grocery and departmental stores, dining, and any international spends. 1 reward point is earned for every Rs. 100 spent on other retail expenses. 

  • 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 Star Titanium Card 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 Star Titanium Card, you can follow these steps: 

  • Visit the Tata Card website or app. Click on the "Apply Now" button for the Tata Star Titanium Card. 

  • 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 Star Titanium Card in the mail within 7-10 working days.

Account Opening and Procedure
Tata Star Titanium Card

The Tata Star Titanium Card might be a decent option for moderate spenders who value a general rewards program with some additional benefits like fuel surcharge waiver, free movie tickets, and spend-based fee reversal. However, the lower reward rate compared to premium cards, limited redemption options, and lower point value might be drawbacks for those seeking higher value or wider benefits.

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 499. 

  • Annual Fee: INR 499 

  • 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. 3,000. 

  • 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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