Tata Star Titanium Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get an e- gift voucher worth Rs 1,000 from STAR.
Milestone Benefits
None.
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%.
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 Star Titanium Card at a lower interest rate;
EMI conversion: Cardholders can convert their eligible purchases into EMIs at a competitive interest rate.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get an e- gift voucher worth Rs 1,000 from STAR.
Milestone Benefits
None.
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%.
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
None.
Fees & Charges
Joining Fee
INR 499.
Annual Fee
INR 499
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. 3,000. | Fee on booking railway tickets through irctc.co.in : 1.8% of transaction amount + all applicable taxes
Fees & Charges
Joining Fee
INR 499.
Annual Fee
INR 499
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. 3,000. | 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 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.
Contact Details
Account Opening and Procedure
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.
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
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai