Tata Croma Card Select
Rewards & Benefits
Welcome Benefits
Users will receive an e-gift voucher worth Rs. 3,000 from any of the following brands: Yatra, Hush Puppies / Bata, Aditya Birla Fashion, or 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
Dining Benefits
Other Benefits
The Tata Croma Card Select offers a variety of benefits, including: 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.; Users will get a 2% value back on spending at Croma.; Users will get upto 5% value back on spending on select TATA Outlets.; Transfer the outstanding balance of other credit cards to this Card, offering lower rate of interest
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
Finance charges#: 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
दोष
Joining fee is high.
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.
Reward System: 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% and 1 reward point for every Rs. 100 spent on other retail spends with a cashback rate of 1%.
Milestone Benefit: Users will get gift vouchers for spending Rs. 4 lakhs and Rs. 5 lakhs each.
Users will get a 2% value back on spending at Croma.
Users will get upto 5% value back on spending on select TATA Outlets.
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
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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Eligibility Criteria
Minimum age of the card holders should be 18. Only Indian residents can apply.
विशेष व िशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
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.
Reward System: 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% and 1 reward point for every Rs. 100 spent on other retail spends with a cashback rate of 1%.
Milestone Benefit: Users will get gift vouchers for spending Rs. 4 lakhs and Rs. 5 lakhs each.
Users will get a 2% value back on spending at Croma.
Users will get upto 5% value back on spending on select TATA Outlets.
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
Joining fee is high.
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
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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