Tata Star Select Credit Card
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उत्पाद विवरण
क्रेडिट कार्ड का नाम
Tata Star Select Credit Card
Bank Name :
Tata Cards
प्रकार
Rewards Credit Card
ब्याज दर
3.50% per month (42% per annum) from the transaction date.
पात्रता
Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a minimum annual income of Rs. 5 lakhs for salaried individuals and Rs. 7.5 lakhs for non-salaried individuals.
Credit score: A good credit score is generally required.
पेशेवरों
Welcome Benefit: Users will get a gift voucher worth INR 3,500 from Star Bazaar.
Reward System: Users will be awarded 3 points on the departmental store, grocery store, dining and international spending. Value of 1 reward point: INR 1. Effective cashback rate: 3%. 1 point on all other spends. Effective general cashback rate: 1%.
Milestone Benefits: A gift voucher worth INR 3,000 will be awarded on spending INR 4 Lakh and INR 5 Lakh.
Users will get up to 5% value back on spending on Tata outlets and 3.5% value back on Star Bazaar outlets.
दोष
Low cashback rate.
No free movie tickets.
No free airport lounge visits.
Limited value add benefits.
पक्ष विपक्ष
Welcome Benefits
Gift Voucher worth INR 3,500 from Star Bazaar.
पुरस्कार प्रणाली
Users will be awarded 3 points on the departmental store, grocery store, dining and international spending. Value of 1 reward point: INR 1. Effective cashback rate: 3%. 1 point on all other spends. Effective general cashback rate: 1%.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
3.5%.
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
Upto 5% value back on spending on Tata outlets.
Eligibility Criteria
Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a minimum annual income of Rs. 5 lakhs for salaried individuals and Rs. 7.5 lakhs for non-salaried individuals.
Credit score: A good credit score is generally required.
फ़ायदे
3% cashback on grocery shopping and on departmental stores.
5% valueback on Tata stores.
Great vouchers on acheiving milestones and on joining and renewing the card.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
You can apply for the Tata Platinum Select credit card in 2 major ways:
1. Online:
This is quick and easy method. Visit the Tata Card website.
Choose the Tata Star Select Credit Card.
Click on the "Apply Now" button.
Fill out the application form with your details, income information, and employment details.
Upload scanned copies of the required documents (PAN card, Address proof, Income proof).
Submit the application and wait for a decision from the credit card company.
2. Offline:
Visit any SBI bank branch or any authorized Tata Card distributor outlet.
Request a Tata Star Select Credit Card application form.
Fill out the form and submit it along with the requisite documents.
सम्पर्क करने का विवरण
l 1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free)
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Benefit: Users will get a gift voucher worth INR 3,500 from Star Bazaar.
Reward System: Users will be awarded 3 points on the departmental store, grocery store, dining and international spending. Value of 1 reward point: INR 1. Effective cashback rate: 3%. 1 point on all other spends. Effective general cashback rate: 1%.
Milestone Benefits: A gift voucher worth INR 3,000 will be awarded on spending INR 4 Lakh and INR 5 Lakh.
Users will get up to 5% value back on spending on Tata outlets and 3.5% value back on Star Bazaar outlets.
Low cashback rate.
No free movie tickets.
No free airport lounge visits.
Limited value add benefits.
USP of the card is 5% off on Tata stores. The card also offers great milestone benefits and welcome benefits. Overall the card is value for money deal.
Tata Star Select Credit Card
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
Annual Fee (one time): INR. 2,999 + Taxes
Renewal Fee (per annum): INR 2,999 + Taxes.
Cash Advance fees: 2.5% or Rs. 500 whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs
Interest Rate: Up to 3.50% per month (42% per annum) from the transaction date.
Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date. NIL for Outstanding Amount on payment date from Rs.0-Rs.500, Rs. 400 for Outstanding Amount greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Outstanding Amount greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Outstanding Amount greater than Rs. 10,000 up to Rs. 25,000; Rs. 1100 for Outstanding Amount greater than Rs. 25,000 & up to Rs. 50,000; Rs. 1300 for Outstanding Amount greater than Rs. 50,000.
Reward Redemption Fees: INR 99/- per redemption.
ईंधन अधिशुक्ल
1% fuel surcharge waiver for each transaction between INR 500 and INR 4,000. Maximum surcharge waiver of INR 100 per statement cycle, per credit card account.
Billing Cycle
30 Days.