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TMB Titanium Credit Card

Product Details
Credit Card Name : 

TMB Titanium Credit Card

Bank Name :

Tamilnadu Mercantile Bank

Type :

Regular Credit Card

Interest Rate : 

Finance charges for Cash Withdrawal. 2% per month (24% per annum) from the date of cash withdrawal

Eligibility :

Any individual having CASA with Bank

Income Tax Assessment for 2 years

Gross Annual Income - Rs.2.00 lakhs or more

TMB Titanium Credit Card
Pros
  • Flexible credit limits, no joining fee, 

  • The validity of the card is 3 years. 

  • A personalized photo on the credit card is also added. 

  • Maximum credit card limit of Rs.5 lakh

Cons
  • No shopping, fuel,

  •  Travel and other additional benefits are not provided 

Pros & Cons
Welcome Benefits
No welcome benefit
Rewards System

Not provided 

International Forex Markup
Foreign Currency Transaction – Conversion Markup Upto 3.5%
Welcome Benefits and Reward System
Special Features

None 

Eligibility Criteria

Any individual having CASA with Bank

Income Tax Assessment for 2 years

Gross Annual Income - Rs.2.00 lakhs or more

Benefits
  • Free Joining and Annual Fee: No charges for getting or holding the card, making it budget-friendly.

  • Up to 2 Add-on Cards: Get free add-on cards for spouse and children above 18 years old.

  • Lost Card Liability Cover: Up to Rs. 50,000 coverage if your card is lost.

  • Personal Accidental Death Cover: Up to Rs. 5 lakhs coverage in case of accidental death.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

To apply for the TMB Titanium Credit Card, you need to fulfil the following eligibility criteria:

  • Have a CASA with Tamilnad Mercantile Bank.

  • Minimum gross annual income of Rs. 2 lakhs or more.

  • Income Tax Assessment for the last 2 years.

You can apply for the card in two ways:

  1. Visit your nearest TMB branch: Fill out the application form and submit required documents, including identity proof, address proof, income proof, and bank statement or passbook details for your CASA.

  2. Download the TMB mobile app: Look for the credit card application section and follow the instructions.

Contact Details

SMS “help” or call +91 9842 461 461

Email at: customerservice@tmbank

Account Opening and Procedure
TMB Titanium Credit Card

The TMB Titanium Credit Card offers a basic, no-frills option with no joining or annual fees. However, the limited reward program, high interest rate, and lack of additional features like lounge access or partner offers might not be appealing for everyone. If you need a basic card for occasional use and prioritize minimal fees, it could be a decent choice. However, for frequent spenders seeking rewards or broader benefits, exploring other options is recommended.

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

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Fees & Charges
  • Joining fee: Nil 

  • Annual fee -Nil  

  • Late Payment charges Rs.250/- ( If the cardholder fails to pay the Minimum Amount Due before Payment Due date.) 

  • Cash Advance - Transaction fee 3% of transaction amount subject to the Minimum of Rs.30/- for every Rs.1000/- or part thereof 

  • Finance charges for Cash Withdrawal. 2% per month (24% per annum) from the date of cash withdrawal

  • Foreign Transaction Mark-up fees- 3.5% 

Fuel Surcharge
Not Given
Billing Cycle

30 Days

Fees & Charges
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