Tata Credit Card

Tata is the synonyms of trust and steady growth not only in India but the global. Tata card was launched India’s first loyalty cum credit card in 2006. In short span of 14 years, Tata cards has achieved many appreciable milestones.

50 thousand milestones were crossed in 2009, chip based EMV cards were launched in 2011, one lakh card holders was achieved in 2012. Annual master card award was felicitated to Tata cards. In 2016 instant reward redemption from Croma, star bazaar and Westside stores were made available to customers. Tata cards crossed 2 Lakh card milestones in 2018. Instant redemption facility at 1900 plus terminal was made available to the customers.

Tata Cards has so far launched two series of credit cards, first one is premium cards and the second series is Classic credit Cards. All together the number of credit cards available with Tata Cards is six.

Tata cards have a lot of benefits available to the customers. Transfer of outstanding balance from Tata card to other at low interest rate, you can get cash money up to credit limit, five different kind of insurance associated with cards, etc. are a few to mention.

Our research team has gathered all the essential vital information related to the Tata credit card and shared for the benefits of the people; reading time is not more than 5 minutes.

Choose your Tata credit card

We select a credit card as per our day to day purchase as well as our frequency of domestic and International trips. Yes, no doubt, credit card safety –security as well as insurance coverage is also other essential aspects.

As mentioned above Tata Cards are becoming highly popular among the people due to lucrative discount on internet on line or off line purchase, easy facility to convert the money into EMI or loan at comparatively low interest rate, availability of liquid money at the time of need etc.

Tata offers six credit card- Tata Star Platinum credit card, Tata Platinum card, Tata Croma Platinum card, Tata Star Titanium Card, Tata Titanium Card and Tata Croma titanium card. All have its own feature suitable to cover the needs of a particular section of people.

If we write one line identity description for each six cards. Then the Tata Star Platinum card is considered as high value back card up to 3.5 % of the cost. Tata Platinum card is popular for the high gift voucher up to INR 6000 per annum. Tata Croma Platinum is known for its 5% value back offer.

Tata Star Titanium card has an offer of yearly fee return for a minimum fixed target. Empower points is the identity of Tata Titanium card. Lastly Tata Croma Titanium card is popular for high reward points on grocery purchase.

Above mentioned one line identity is simply does not reflect the whole coverage of benefit, hence in this blog we will try to provide the complete description of each Tata credit card including its pros and cons such that it would become easier to anyone to make a mind to go for it.

Let us just discuss each individual credit card of Tata of elaborately at a place.

Tata Star Platinum Card

Tata Star Platinum Card is known for high value back return up to 3.5 % if purchase is made at star outlet, while this value back becomes 5 % if spend is at TATA outlet. As you are aware TATA outlet makes available many items starting from Tata Automobile spare to Tata Tea or even Tata salt, thus TATA out let allows the card holder to save in good proportion while doing shopping.

Welcome and Anniversary benefits – Star provides welcome e- voucher of INR 3000/- to the newly issued Tata Star Platinum Card holders. If card holders achieve a yearly purchase target of INR 2 lakh, then again at the time of anniversary, star provides e- voucher of INR 3000/-.
Reward points – There are 3 reward points are available for each sped of INR 100 at Departmental stores, grocery or International spends. While it becomes 1 reward points per INR 100, if spend is made at retail shops.
Bonus spends rewards- Tata Star Platinum Card holders have option of getting e- voucher of INR 3000 provided by Star at the purchase accomplishment of INR 4 Lakh and INR 5 Lakh each.
Value Back – Tata Star Platinum Card provides 3 % cash back on purchase of any items from Star. Star has variety of items of daily as well as occasional uses. Value back cash becomes 5 % in case purchase is done at Tata outlet.
Fuel surcharge- A fuel surcharge benefit of 1 % of the purchase from INR 500 to INR 4000 is allowed to the possessor of Tata Star Platinum Card. Here one can earn INR 250 per month or in one bill cycle.
Airport lounge access – Tata Star Platinum Card holders have 8 complimentary lounge accesses per year in any domestic airport. Hence 2 visits in each 3 month are permissible for this complimentary lounge access.
Worldwide acceptance – Tata Star Platinum Card is accepted at 24 million outlets around the world, including 3.25 lakh outlets in India.
Credit facility – Tata Star Platinum Card allow the customer to pay the bills in a flexible credit facility. After paying the minimum amount mention in bill cycle one is free to pay the rest amount in a comparatively low interest rate.
Extended Credit Period – Tata Star Platinum Card have 50 days interest free payment of bills period. One can pay the price of a purchased product maximum up to 50 days without any interest. Latter on 2.25 % per month interest will be charged on outstanding amount.
Enhanced power with add on facility – Card holder is free to apply for add on card for the family members. One can apply add on card for spouse, parents or children of above 18 years of age. All cards will have all the benefits as of first card.
Cash on the go – Tata Star Platinum Card helps us by providing cash money at the time of need. Cash can be withdrawn at all the Visa or Master Card ATMs. More than 1 million ATMs are there around to globe to get cash money. Cash withdrawal limit remain mentioned on monthly cycle bill or online card portal.
Home delivery of railway tickets – IRCTC provide the facility of booking of tickets and home delivery. You have to book the rail ticket by using Tata Star Platinum Card.
Utility bill payment facility – Tata Star Platinum Card has facility to pay your utility bills in time if it is scheduled to do that. Electricity bill, gas bill, water bill, home loan or any other EMI etc. can be scheduled monthly, it automatically make you alert about the deadline also.
Balance transfer – One can pay the balance of other credit card or the transfer of money on e-wallet with the help of Tata Star Platinum Card. The rate of interest in paying the other credit card bill is comparatively low.
Flexi pay – Flexi pay facility allows the customer to choose a installment payment of a product within 30 days of purchase. At a low interest rate this Flexi pay facility is available with Tata Star Platinum Card.
Guaranteed peace of mind – Tat cards provide 24 x 7 helpline numbers to ease the task of the customers. For any query or problem related to Tata Star Platinum Card, one can contact on the numbers- 1800 180 8282 (from BSNL/MTNL); 39 02 34 56 (From other than BSNL or MTNL).

Tata Platinum card

Tata Platinum Card is popular for its Bonus Reward points by the associating company such as Bata, Yatra, Hush Puppy, Aditya Birla Fashion, Westside etc. Cromeretail dot com provides value back return up to 2 %., while this value back becomes 5 % if spend is made at TATA outlet. Cromeretail make available many items starting from day to day use to many services such as tickets, trip arrangements etc.

Welcome and Anniversary benefits – Bata, Yatra, Hush Puppy, Aditya Birla Fashion and Westside provides welcome e- voucher of INR 3000/- to the newly issued Tata Platinum Card holders.

Aditya Birla Retail Voucher can be redeemed at these brand stores – Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, Simon Carter

Reward points – There are 3 X reward points are available for each sped of INR 100 at Departmental stores, grocery or International spends.

While it becomes 1 reward points per INR 100, if spend is made at retail shops. 1 rewards point = INR 1 cash back is also available in a few of the purchase.

Bonus spends rewards- Tata Platinum Card holders have option of getting e- voucher of INR 3000 provided by the companies such as Bata, Yatra, Hush Puppy, Aditya Birla Fashion and Westside; this offer is granted to the customers who has succefully accomplished use of card for INR 4 Lakh again at INR 5 Lakh per annum.
Value Back – Companies such as Bata, Yatra, Hush Puppy, Aditya Birla Fashion and Westside offers 2 % cash back on its product to the Tata Platinum Card holders. Value back cash becomes 5 % in case purchase is done at Tata outlet.

TATA outlets have variety of products and services such as Tata Automobile spare, servicing of Tata vehicles, grocery items etc.

Fuel surcharge- A fuel surcharge benefit of 1 % of the purchase from INR 500 to INR 4000 is allowed to the possessor of Tata Platinum Card. Here one can earn INR 250 per month or in one bill cycle.
Airport lounge access – Tata Platinum Card holders have 8 complimentary lounge accesses per year in any domestic airport. Hence 2 visits in each 3 month are permissible for this complimentary lounge access.
Worldwide acceptance – Worldwide use of Tata Platinum Card is guaranteed. It is accepted at 24 million outlets around the world, including 3.25 lakh outlets in India.
Credit facility – Tata Platinum Card allow the free period up to 30-50 days. After that period, customer can pay the bills in a flexible credit facility. After paying the minimum amount mention in bill cycle one is free to pay the rest amount in a comparatively low interest rate.
Extended Credit Period – Tata Platinum Card have 50 days interest free payment of bills period. One can pay the price of a purchased product maximum up to 50 days without any interest. Latter on 2.25 % per month interest will be charged on outstanding amount.
Enhanced power with add on facility – there is free add on card facility with Tata Platinum Card .Card holder can apply for add on card for the family members. One can apply add on card for spouse, parents or children of above 18 years of age. All cards will have all the benefits as of first card.
Cash on the go – Tata Platinum Card helps us by providing cash money at the time of need. Cash can be withdrawn at all the Visa or Master Card ATMs. More than 1 million ATMs are there around to globe to get cash money. Cash withdrawal limit remain mentioned on monthly cycle bill or online card portal.
Railway tickets – IRCTC provide the facility of booking of tickets and home delivery. You have to book the rail ticket by using Tata Platinum Card.
Utility bill payment facility – Tata Platinum Card has facility to pay your utility bills in time if it is scheduled to do that. Electricity bill, gas bill, water bill, home loan or any other EMI etc. can be scheduled monthly, it automatically make you alert about the deadline also.
Balance transfer – One can pay the balance of other credit card or the transfer of money on e-wallet with the help of Tata Platinum Card. The rate of interest in paying the other credit card bill is comparatively low.
Flexi pay – Flexi pay facility allows the customer to choose a installment payment of a product within 30 days of purchase. At a low interest rate this Flexi pay facility is available with Tata Platinum Card.
On line counseling – You can talk to the customer care official through 24 x 7 helpline numbers. For any query or problem related to Tata Platinum Card, one can contact on the numbers- 1800 180 8282 (from BSNL/MTNL); 39 02 34 56 (From other than BSNL or MTNL).

Tata Croma Platinum card

Tata Croma Platinum Card is a card in which Croma company grants many attractive offers. Croma is a subsidiary of Tata group of company. Croma is an Indian retail chain dealing electronics and durables.

Croma grants cash back return up to 3.5 % if purchase is made at Croma outlet. If anyone doing purchase at Tata Motor’s out let than the cash back available at the rate of 5 % of the cost.

Croma provides a welcome kit having e- voucher of INR 3000/-. Thus Tata Croma Platinum Card holders can get discount of INR 3000 on the purchase of items available at Croma outlet.

3 Reward points @ INR 100 – Tata Croma Platinum Card holders entitled 3 reward points on every purchase equal to INR 100. This is for all the purchase i.e. online or offline.
Accelerated Bonus- Tata Croma Platinum Card has an accelerated bonus but customer has to complete at least purchase of INR 4 lakh to get the accelerated bonus. Croma provides e-voucher of INR 3000/- to the card holders.
50 days interest free Period – Customer is free to pay product cost within 50 days, there is interest free period of 50 days with Tata Croma Platinum Card.
Low interest rate on outstanding bills- After free credit period one has to pay low interest rate @ 1.9 % per month.
5% cash back – 5% cash back is available on all the purchase at Tata outlets. Croma provides 3 % discount or cash back on every purchase at Croma outlet, if purchase is carried by using Tata Croma Platinum Card.
1% Fuel surcharge discount- Tata Croma Platinum Card grants fuel surcharge benefit of 1 % of the purchase from INR 500 to INR 4000 is allowed to the possessor of Tata Star Platinum Card. Here one can earn INR 250 per month or in one bill cycle.
8 complimentary Airport lounge access – Tata Croma Platinum Card holders have 8 complimentary lounge accesses per year in any domestic airport. Hence 2 visits in each 3 month are permissible for this complimentary lounge access.
Use the card Worldwide – Tata Croma Platinum Card is accepted at 24 million outlets around the world, including 3.25 lakh outlets in India.
Credit facility – Tata Croma Platinum Card allow the customer to pay the bills in a flexible credit facility. After paying the minimum amount mention in bill cycle one is free to pay the rest amount in a comparatively low interest rate.
Enhanced power with add on facility – Card holder is free to apply for add on card for the family members. One can apply add on card for spouse, parents or children of above 18 years of age. All cards will have all the benefits as of first card.
Cash availability – Tata Croma Platinum Card grants us the cash money. We can withdraw the cash money at any ATM. More than 1 million ATMs are there around to globe is available to get cash money. Cash withdrawal limit remain mentioned on monthly cycle bill or online card portal.
Booking charge free railway tickets – Tata Croma Platinum Card helps in saving money while booking tickets at IRCTC. You have to book the rail ticket by using Tata Croma Platinum Card.
Pay bills of other cards- you can transfer money from Tata Croma Platinum Card to other card or wallet or can pay bills of other card. The rate of interest in paying the other credit card bill is comparatively low.
Pay the Utility bill easily- Tata Croma Platinum Card has facility to schedule and pay your utility bills without fail. Electricity bill, gas bill, water bill, home loan or any other EMI etc. can be scheduled monthly, it automatically make you alert about the deadline also.
Flexi pay – Flexi pay facility allows the customer to choose a installment payment of a product within 30 days of purchase. At a low interest rate this Flexi pay facility is available with Tata Star Platinum Card.
24 hours help available – Tata Croma Platinum Card provide 24 x 7 helpline numbers to ease the task of the customers. For any query or problem related to Tata Croma Platinum Card, one can contact on the numbers- 1800 180 8282 (from BSNL/MTNL); 39 02 34 56 (From other than BSNL or MTNL).

Tata Classic Star Platinum card

Tata classic Star Platinum Card is known for high value back return up to 3.5 % if purchase is made at star outlet.

While if you are purchasing TATA Motors outlet then this value back becomes 5 % . As you are aware TATA outlet makes available many items starting from Tata Automobile spare to Tata Tea or even Tata salt, thus TATA out let allows the card holder to save in good proportion while doing shopping.

Welcome benefits – Tata classic Star Platinum Card holders are eligible to receive welcome e- voucher of INR 3000/- from Star. If card holders achieve a yearly purchase target of INR 2 lakh, then again at the time of anniversary, star provides e- voucher of INR 3000/-.
Reward points – There are 3 reward points are available for each sped of INR 100 at Departmental stores, grocery or International spends. While it becomes 1 reward points per INR 100, if spend is made at retail shops.
Bonus spends rewards- Tata Classic Star Platinum Card holders have option of getting e- voucher of INR 3000 provided by Star at the purchase accomplishment of INR 4 Lakh and INR 5 Lakh each.
Value Back – Tata classic Star Platinum Card provides 3 % cash back on purchase of any items from Star. Star has variety of items of daily as well as occasional uses. Value back cash becomes 5 % in case purchase is done at Tata outlet.
Fuel surcharge- A fuel surcharge benefit of 1 % of the purchase from INR 500 to INR 4000 is allowed to the possessor of Tata Classic Star Platinum Card. Here one can earn INR 250 per month or in one bill cycle.
Airport lounge access – Tata Classic Star Platinum Card holders have 8 complimentary lounge accesses per year in any domestic airport. Hence 2 visits in each 3 month are permissible for this complimentary lounge access.
Worldwide acceptance – Tata Classic Star Platinum Card is accepted at 24 million outlets around the world, including 3.25 lakh outlets in India.
Credit facility – Tata Classic Star Platinum Card allow the customer to pay the bills in a flexible credit facility. After paying the minimum amount mention in bill cycle one is free to pay the rest amount in a comparatively low interest rate.
Extended Credit Period – Tata Classic Star Platinum Card have 50 days interest free payment of bills period. One can pay the price of a purchased product maximum up to 50 days without any interest. Latter on 2.25 % per month interest will be charged on outstanding amount.
Enhanced power with add on facility – Card holder is free to apply for add on card for the family members. One can apply add on card for spouse, parents or children of above 18 years of age. All cards will have all the benefits as of first card.
Cash on the go – Tata Classic Star Platinum Card helps us by providing cash money at the time of need. Cash can be withdrawn at all the Visa or Master Card ATMs. More than 1 million ATMs are there around to globe to get cash money. Cash withdrawal limit remain mentioned on monthly cycle bill or online card portal.
Home delivery of railway tickets – IRCTC provide the facility of booking of tickets and home delivery. You have to book the rail ticket by using Tata Classic Star Platinum Card.
Utility bill payment facility – Tata classic Star Platinum Card has facility to pay your utility bills in time if it is scheduled to do that. Electricity bill, gas bill, water bill, home loan or any other EMI etc. can be scheduled monthly, it automatically make you alert about the deadline also.
Balance transfer – One can pay the balance of other credit card or the transfer of money on e-wallet with the help of Tata Classic Star Platinum Card. The rate of interest in paying the other credit card bill is comparatively low.
Flexi pay – Flexi pay facility allows the customer to choose a installment payment of a product within 30 days of purchase. At a low interest rate this Flexi pay facility is available with Tata classic Star Platinum Card.
Guaranteed peace of mind – Tat cards provide 24 x 7 helpline numbers to ease the task of the customers. For any query or problem related to Tata Classic Star Platinum Card, one can contact on the numbers- 1800 180 8282 (from BSNL/MTNL); 39 02 34 56 (From other than BSNL or MTNL).

Tata Credit Card Eligibility

Eligibility of Tata credit card requires a minimum regular income, that income requirement varies a little with the card. A particular minimum and maximum age is another requirement. A few documents related to your identity, address and income is the last requirement.

Tata card is governed by SBI; hence decision of allotment of a card to a customer is taken by SBI executives. The maximum credit limit of a credit card is also determined based on one’s individual earning.

Rs 20000/- is the minimum per month salary required to apply for a Tata credit card.

While, Rs 18000/- is the minimum per month required earning for a self employed person.

21 years to 60 years age group is also another essential requirement to be eligible to apply for a Tata credit card.

Aadhar card is enough for Identity proof, however you can produce Pan card, driving license, passport, etc. also as your Identification. Electricity Bill, water bill, land registration papers etc. can be put up as residence address proof.

Free Tata Credit Card

Tata credit cards come with certain entry or yearly renewable fees. However, there is provision that if a customer able to achieve the set goal of purchase then he or she is allowed for such cash back that easily compensate the fees.

Tata credit cards have the advantage of getting cash back of 5 % of the price of all the products or services provided by Tata outlets. Now let us say a owner of a Tata vehicle (heavy or light) is doing expenditure of INR 40 to 50 thousand in a year, means he is saving around INR 2.5 thousand per annum.

If let us add his purchase of grocery, cloths, Croma items etc. of INR 1 lakh per year that means he is saving additional @ 3 % i.e. INR 3000/- thus minimum saving including travel etc. will comes around INR 8-10 thousand per year.

Add –on cards are freely provided by Tata Credit card. Add- on card also grants same benefits as the first card.

Tata Credit Card apply minimum salary

Tata credit card has an essential minimum earning barrier. However, the amount is almost similar to the rules governed in SBI Credit card; reason behind this is the governing body in allotment of credit card to customers is SBI. Rs 20000/- is the minimum per month salary required to apply for a Tata credit card.

While, Rs 18000/- is the minimum per month required earning for a self employed person.

Tata Credit Card Apply

On line application process is available for Tata credit card. once you will make a mind to go for a card, there is “Apply Now” button just below the card. You have to proceed after clicking the apply button.

Once you will click the apply button, it will take you in a web page where you have to provide your personal details such as your name, city of residence, mobile number and E – mail ID.

Once you will submit with these details, within usually two working days, executive from credit card office will contact you and collect the necessary documents and finish the form filling formalities either by meeting you or meeting you at the office.

However, there is other way of initiating the Tata credit card in which you have to download the credit card application form from the Tata card portal, you have to fill it and send it by post to its Delhi head office. Please do not forget to enclose the self attested documents as per instruction laid on the form. The address for sending the filled, signed completed form is –

SBI Card and Payment Services Ltd. , P.O. Bag No. 28, GPO, New Delhi – 110001

SBI Card and Payment Services limited looks after the services of Tata Credit cards.

Tata Credit Card Status

Application status of Tata Credit card is provided online, it is provided by SBI card and payment services Ltd. You have to put Tata Credit card application reference number and your mobile number, that’s all, you will instantly get the status of Tata credit card.

Most of the time is comes as “Sanctioned” or “Posted” with postal tracking number etc. But in a few cases it may comes as held up due to want of such and such document. Hence, it is advisable that please do check the status of applied Tata Credit card.

However, Tata credit card application status can be known by downloading the Tata Card app. also.

The 24x 7 Toll free number of Tata customer care are 1800 180 8282 (from BSNL/MTNL); 39 02 34 56 (From other than BSNL or MTNL) .The acknowledgement number is required during your call with customer care.

Tata Credit Card Login

There is an exclusive portal having facility to log in the Tata Credit card account. There is one time registration process for new card holder. After registration of Tata Credit Card, one can generate the ID and password by using forgets option.

First you have to generate the login ID, you have to provide the card number and you have to ready to receive the OTP on your registered mobile. Once ID is made then with the help ID you can generate the password. It has been observed that the last two digit of ID you may have to collect from customer care of the Tata card.

Tata Credit Card PIN Generates and Reset

Tata Credit Card PIN generation and reset can be done by visiting online Tata Credit card login portal. PIN can be generated or reset by using customer care automated system also.

You have to log in to your Tata Card Online account.
You have to move towards my Account on left hand side menu on the screen of bank portal.
Next you have to select ‘Manage PIN’
Use the drop down menu and then select the credit card which you have to generate the PIN.
You will get a One Time Password (OTP) on your registered mobile number require to generate or reset the credit card PIN.
You have to put the OTP and fill your favorite PIN that you want to set.
Finally Click on ‘Submit’ and thus now PIN is generated

Use the customer care services to generate PIN for your Tata Credit Card

Call Tata Card helpline on 1800 180 1290 and select option 6
Provide there your card details and date of birth
Authenticate with One Time Password (OTP) sent on your registered email ID or mobile number
Set your Tata Card PIN

Tata Credit Card Statement

Tata Credit card log in portal is the best place to download the Tata Credit card statement. Apart from portal, you can take help of credit card login ID.

You can register yourselves for getting month cycle bill in your registered e- mail also. You can know the bills of the current and previous month cycle by using automated customer care system also. Hence customer has four different ways to know the monthly bill or statement of the credit card.

Most popular way of downloading the Tata Credit card bill is the online credit card online banking facility. When you will log in the portal, then after clicking credit card section available left side menu, you will have option to select the statement. In statement section you have to enter the period for which you want to download the bills.

Tata EMI Calculator

Some time it becomes necessary to convert the big purchases into EMI. Tata Card provides facility of online EMI calculator to calculate the amount of money require to pay each month.

There is EMI calculator on the web page; one can easily calculate the Emi by putting the amount, rate of interest, number of months etc.

In Tata credit card EMI calculator, there is provision for putting cash back if any there with the product. Thus the accurate EMI comes after finish of the calculation.

Tata Credit Card Payment

There are two easy online way to pay the Tata Credit card bills. First one is by using online Tata Credit card portal which require Log in ID and password, second is pay through Pay net or bill desk without any ID or password.

The most popular way of paying Tata bills is through pay Net. Here you have to enter your e-mail Id, Tata Credit card number, mobile number, mode of payment transfer i.e whether by debit card, internet banking or UPI. This much is the only requirement to pay the Tata credit card bills by Pay net.

As usual the method of paying Tata Credit card bills by Internet banking is quite familiar and easy. Only you have to log in on your Tata Credit card account. Go to payment of bills section, select your card and fill the amount of money you want to pay, complete the payment procedure from your linked bank account.

Tata Credit Card Mobile App

Tata Credit Card can be accessed by two various app, first one is through SBI credit card app and the second one is through Credit card manager. One can download any of the one in Android mobile phone. Following are the process and benefits of having a mobile app.

Tata Credit card app or Credit card manager require a space of 60 Mb and 40 Mb in the mobile phone, hence both are low bite mobile app.
Credit card manager offers of money to do purchase on the new users or on reference of app to friends or family.
At the time of downloading and installing, one has to make ID and password to operate the app.
It is convenient and safe to use the mobile app.
One can know the monthly cycle bills of credit card, one can do payment, one can do purchase etc. from the app.
The redeem of earned points can also be done by using the mobile app.
Lock/Unlock Credit Cards in real-time.
Block/Unblock transaction channels (ATM Withdrawals, Internet Transactions, In Store Transactions, Foreign Transactions).
One can view Recent Transactions.
One can view Expenses History.
Get alerts from the bank.

Tata Credit Card Offers

The popular quote of Tata card says “You have a need and we have offers”, this seems true as Tata cards have many attractive offers. All big names such as Nokia, Canon, Amazon, Dell etc. are the collaborative company and they offer exciting cash discount to the customers of Tata card.

Most of the company offers interest free conversion in EMI apart from granting discount. This makes the purchase deal easy and one can complete big or high price purchase at no mental stress.

Let us un-cover a few interesting deals in coming below lines-

Any domestic flight trip gets concession of INR 200 if ticket is booked at Akbar Travel. There is no any time bar or frequency of travel.
Offer by Nokia is interesting. If anyone paying the cost of Nokia product by 6 to 12 installment then there is no interest charged, no requirement of any documents from Tata Card customer.
Further Nokia grants – If the person is paying the money in 6 month then there is a discount of 3.66 % is available with the product.
Canon the famous model in the field of photography grants a discount of 3.96 % on the products if the payment of the product is done instantly or in six months in no interest EMI.
Products of Dell have offer of interest free EMI up to 12 installments. No documentation or No processing fees is required.

Tata Virtual credit card

Tata Credit cards have facility of enabling Virtual card facility. Once it will be activated as Virtual credit card then you have not to always carry the card in market place, you are free to use the virtual card for a limited payment.

Redeem Tata Credit Card

Tata Card provides an exclusive web portal to redeem the earned credit points in purchasing of your essential utilities. Web site is available in the name of reward page.

Fastrack grants use of 500 credit points i.e. INR 500 in purchasing of its product. Croma the sister concern of Tata’s group of company grants use of minimum 500 credit points in purchasing of the items.

Titan allows at least 1000 credit points to redeem on purchase of its product. Similarly, Tanisq the famous brand of Tata group also grants at least 1000 credit points redeem in purchase of the products.

Tata Cash withdrawal charges

Cash withdrawal by credit card is a great facility especially at the time of need of money. If you are using the Tata Card for cash withdrawal then there is a fixed charge that you have to pay.

There is cash withdrawal charges of 2.5 % or INR 300 whichever is less is charged on domestic cash withdrawal. While for international it is little more i.e. INR 300 or 3%.

There is a service charge of 3 % per month additionally charged from the date of withdrawal of money from ATM to the date of settlement.

Tata Credit Card Address Change

If you have shifted in a new home and wants to change the address in the Tata credit card then there are two various ways provided by Tata Card.

You can log in into the credit card online banking. Up date the address change in your profile, however, you have to upload the scanned copy of proof of new address.

Alternatively, you can mail the request to change the address in the e mail : [email protected]. You have to provide the proof of the new home.

Tata Credit Card Loan Convert

If you are purchasing any high cost items or you have little more monthly bill of Tata Credit card, then you have option to convert it into loan, that also in EMI payment.

Maximum loan amount can be up to credit limit. You have to pay an interest @ 2.5 % per month.

There is no documentary requirement for the credit card loan.

Conversion of purchase into loan EMI remains available just below the button of payment. One can opt from there.

Close Tata Credit Card

If you have decided that no more requirement of Tata credit card, then there are various easy way to initiate the process of closure of the credit card. You can use online banking or customer care or email to initiate the closure process of Tata credit card.

Before initiation of closure of Tata credit card it is advisable to do a few mandatory checks.

Please see there is not any outstanding bill remains to pay. If the monthly bill is zero then only one can close the credit card.

Please check that there should not be pre-scheduled deduction remains active in your card, you must shift it to some other card before closure.

The automated customer care system number is provided in below column in this blog. You can dial, it will ask for your authentication and ask you to press the number meant for credit card.
Press the number meant for deactivation of credit card.
Once the card will be deactivated, write an email to the customer care services available back of your card or available in the inbox of your online banking system. Request the authority to close the credit card. You will get a closure notice in a few days.
You can initiate the closure process offline also by visiting the Tata Credit Card branch and by giving the application for closure of credit card addressed to the branch manager.

Tata Credit Card Complain

There is online complaint registration process available under complaint section of Tata Card web page. After complaint one can monitor the development through tracking system.

However there are email ID also to lodge complain. [email protected] can be used for this purpose.

However you can lodge a complaint by visiting the local branch of Tata card also. Branch Manager also organizes monthly complaint solution meeting to address the grievances of customers.

Tata Customer Care Toll Free Numbers

24 hours customer care is available to sort out any problem of customer. Fraudulent or any other eventuality one can report on the customer card number.

You can contact the 24×7 toll free customer care number to solve the problem you are facing.

Following toll free number is there to contact for any problem related to credit card- 39 02 34 56.

Tata Credit Card Pros and Cons

Pros	Cons
Tata Credit cards are highly beneficial as it offers un-parallel discount on tata concerning houses. However, collaborator also grants attractive discount.	Tata cards are highly professional credit cards. We do not find any as such any problem related to these Cards . It is available online as well as offline.
5% discount in accessories and other products of Tata Motor is highly helpful for the Tata truck pliers.	Failure of payment of bills in prescribed interval of time attracts high interest rate.
Croma- the sister concern of Tata group of companies provides 3.5 % discount on all its products to the Tata Card holders.
Tata credit cards have many customer centric features such as cash withdrawal, conversion into EMI at no interest etc.
Tata credit cards have offers of more than 35 big brands. One can take advantage of high discount on tour & travel, life insurance, purchase of day to day required household goods etc.

Conclusions

Tata Card is reputed well known highly professional credit cards. The aim expressed on web site of Tata Card is “Your need, our offers” is rightly said. High discount up to 5 % of product cost of Tata Motors is lucrative and useful.

Tata credit cards have collaboration of more than 35 big brands. Un-parallel offer by Croma up to a discount of 3.5 % is a big offer to the Tata Credit card holders.

Whether it is day to day need goods or lavish lifestyle related or tour & travel related, Tata Credit cards have high discount in all the products or services.

Tata Credit cards are technically sound and secure and it is safe to use a Tata credit cards.

Customer care services are very prompt and always ready to resolve the problem of customers on 24x 7 bases. Online complaint system and tracking of complaint is another appreciable facility available for the Tata Credit card customers.

Tata Credit Card FAQs

Q1. What is balance transfer (BT) in Tata credit card?

Ans- Balance transfer (BT) is a facility available in Tata credit card under which one can transfer the balance credit balance of other bank credit card into Tata credit card at a less interest rate.

Q2. Which transaction can be converted into Flexi pay?

Ans– Flexi pay is the facility provided by Tata credit card to convert the bills into easy EMI. It is necessary that the purchase must be done within 30 days for conversion into Flexi pay. The converted amount must be greater than or equal to INR 2500/-

Q3- What is easy money available with Tata credit card?

Ans– Tata Credit card provides easy money to its customers. Under easy money one can apply for a loan for a short interval of time at low interest rate. Easy money will reach in a very short interval of time at your door steps.

Q4. What is card protection plan (CPP) with Tata credit card?

Ans- Card Protection Plan (CPP) is a plan which safeguard the Tata credit card from any kind of theft or stolen. Thus for any kind of money loss related to credit card is covered properly.

Q5. What is an IVR transaction in Tata Credit Card?

Ans- Interactive Vision Response (IVR) is the transaction on which you can order on line. You can do any tranction on telephone itself.