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Have you ever thought of earning points, cashbacks and discounts on all your spends? Do you want to shop conveniently without worrying about enough money in your bank account? If so, a credit card is just what you need.

Tata Capital Credit Cards

At Tata Capital, we offer two types of credit cards, packed with exciting features and benefits-

Card Name	TATA Card	TATA Card Select
Standard Reward Points	1 Reward point per ₹100 spent (1 Reward Point = ₹1)	1 Reward point per ₹100 spent (1 Reward Point = ₹1)
Accelerated Reward Points	3 Reward points per ₹100 spent (Departments and grocery store)	3 Reward points per ₹100 spent (dining, departments, and grocery store)
TATA Accelerated Reward Points	Up to 5 times reward points on spends across various TATA group outlets	Up to 5 times reward points on spends across various TATA group outlets
Spend Base Reversal	Spend ₹1 lakh in a year to get your next year annual fee reversed (that means a free credit card)	-
Fuel Surcharge Waiver	On purchase of fuel between ₹500 to ₹3000, each time you get 1% surcharge waiver up to ₹100 monthly	On purchase of fuel between ₹500 to ₹4000, each time you get 1% surcharge waiver up to ₹250 monthly
Annual/Renewal Fee	₹499 + GST/year	₹2999 + GST/year
Welcome Gift	500 Reward points, i.e., ₹500 on a total spend of ₹2000 and above in 60 days	e-Gift voucher worth Rs. 3000 from brands- Westside, Yatra, Hush Puppies, Bata, Aditya Birla Fashion.
Lounge Benefits	-	Eight free visits per year (2 every quarter)
Anniversary GV	-	e-Gift voucher of ₹3000 on spends of ₹2 lakh and above in the previous year
Bonus Spend Reward	-	e-Gift voucher of ₹3000 on crossing annual spends of ₹4 lakh and ₹5 lakh each.
	Apply Now	Apply Now

What is a Credit Card?

A credit card (CC) is your ticket to financial flexibility and convenience. It's like a debit card, but the money you spend does not come from your bank account. It is borrowed from the card issuer and you can use it to make purchases or withdraw cash up to a certain limit. The best part? You can earn cashback, get points for travel, or enjoy other perks for your spending.

Benefits of owning a Tata card

There’s nothing like too many benefits, is there? With Tata Capital’s cards, you can now manage your finances with ease and enjoy perks like-

Lower interest option: Move your debt from other cards to Tata Card and pay less interest on what you owe.
Encash more: In need of cash? Use your Tata card to encash up to or above your credit limit.
Instant cash: Get instant access to cash with any of our two services - Easy Money and ATM Cash.
Protection: Get insurance coverage against lost or stolen cards, accidents, health issues, and more.
Easy bill payments: Use features like Auto Pay, Register & Pay, and Fast Pay to pay your bills quickly and effortlessly.
Convenient access: With tatacard.com, you can access your Tata Card account anytime, anywhere. It's a convenient way to manage your card, track your spending, and keep up with your finances.

With Tata Capital’s value-packed CC, you can enjoy exclusive rewards, unparalleled benefits, and top-notch customer service. So, whether you're a frequent traveller, a foodie, or someone who simply loves to shop, our CC has something for everyone.

How to apply for Tata credit cards?

Selected the right card that ticks all your requirements? Apply instantly with minimal paperwork and a lightning-fast process. Just a few clicks and you'll have your new card in no time!

For a seamless application process, just follow these steps-

From the main menu, select ‘Personal > Credit Cards’.
Click ‘All Cards’ to view all the cards available on the site.
Choose the card you want and click on ‘Apply Now’.
You will be redirected to the online application page. Here, fill in the required details.
Check the confirmation box and click on ‘Submit’.

Features of Tata Premium Credit Cards

Tata Premium Credit Cards offer exceptional value, delivering exclusive privileges and lifestyle benefits. Key Tata credit card features include:

Attractive Welcome Gift: New cardholders receive cash reward points and e-gift vouchers from Tata partner brands like Westside, Bata, Marks & Spencer, and Yatra.com.
Cashback Benefits: Earn cashback ranging from 2% to 5% on spends at Tata outlets, Star Bazaar, Croma stores, and on Tatacard online payment at partner platforms.
Complimentary Lounge Access: Enjoy free access to premium airport lounges across domestic and international terminals.
Fuel Surcharge Waiver: Save on fuel expenses with a 1% surcharge waiver on eligible transactions.
Anniversary Rewards: On completing one year, enjoy vouchers and gift certificates from popular brands.
Milestone Bonuses: Unlock premium Tata credit card benefits like flight tickets, dining offers, and brand vouchers on achieving annual spend milestones.

Comparison of Features and Benefits of Tata Premium Credit Cards

Here's a detailed Tata credit card comparison to help you decide which one best suit your lifestyle.

Tata Credit Card Benefits and Features	Tata Card	Tata Card Select
Annual/Renewal Fee	₹499 + GST/year	₹2999 + GST/year
Standard Reward Points	1 reward point on every ₹100 spent (1 point = ₹1)	1 reward point on every ₹100 spent (1 point = ₹1)
Welcome Benefit	500 reward points on spending ₹20,000 within 60 days	e-Gift voucher worth ₹3,000 from brands like Westside, Yatra, Bata
Lounge Access	Not available	8 complimentary airport lounge visits per year
Anniversary Gift Voucher	Not available	₹3,000 e-gift voucher on spends of more than ₹2 lakh in previous year
Fuel Surcharge Waiver	1% waiver on fuel spends between ₹500-₹3,000 (up to ₹100/month)	1% waiver on fuel spends between ₹500-₹4,000 (up to ₹250/month)
Bonus Spend Rewards	Not available	₹3,000 e-gift vouchers on crossing ₹4 lakh and ₹5 lakh annual spends

Once you’ve gone through this comparison of both the Tata credit cards, apply easily through the Tata credit card online process.

Fees and Charges for Tata Credit Cards

This table will give you a clear idea about some of the Tata credit card charges and fees:

Tata Credit Card Fees and Charges	Meaning	Tata Card	Tata Card Select
Annual Fee	One-time Tatacard payment when you first get the credit card.	Up to Rs. 499+GST	Rs. 2,999+GST
Cash Payment Fee	A Tata credit card payment applied when you repay your credit card bill in cash instead of online or through a bank account.	Rs. 100	Rs. 100
Payment Dishonour Fee	A penalty charged when your credit card payment fails due to insufficient funds or a rejected transaction.	2% of Payment amount (subject to a minimum of Rs. 500)	2% of the payment amount, (subject minimum of Rs. 500)
Over Limit	A charge applied when you spend more than your assigned credit limit.	2.5% of over limit amount, (subject to a minimum of Rs. 600+applicable taxes)	2.5% of over limit amount, (subject to minimum of Rs. 600+applicable taxes)
Card Replacement Fee	A fee charged for reissuing your credit card if it is lost, stolen, or damaged.	Rs. 100	Rs. 100

Eligibility Criteria for Credit Card

The standard requirements for a tata credit card online include:

The applicant must be an Indian resident.
The applicant should be within the eligible age bracket, typically between 18 and 65 years.
A stable source of income is required, whether salaried or self-employed.
The applicant must meet minimum income criteria set by the card issuer.
A good credit score and healthy credit history are essential for approval.

The eligibility criteria for a credit card may vary across providers. You can proceed with Tata credit card apply options online to check your eligibility for Tata card online application process.

Essential Tips to Keep Your Credit Card Secure

Here are some Tata credit card security tips to help safeguard your card and ensure worry-free usage:

Protect Your PIN and OTP: Never share your card PIN, CVV, or OTP with anyone, even if they claim to be bank officials.
Avoid Public Wi-Fi: Do not use public Wi-Fi networks for payments or while accessing Tata credit card login details, as they increase fraud risk.
Use Secure Websites Only: Make tata credit card online payment only on trusted, secure websites with HTTPS encryption.
Create Strong Passwords: Set unique, complex passwords for your Tata card login online account, combining letters, numbers, and special characters.

Types of Credit Cards in India

In India, you can opt for various Tata credit card types designed for different lifestyles and spending habits. Understanding these options helps you select the right Tata card online for your needs.

Rewards Credit Cards: Using these cards, you can earn points on every purchase that can be redeemed for products, vouchers, or statement credits.

Travel Credit Cards: This type of Tata credit card benefits frequent travellers, offering airport lounge access, air miles, travel insurance, and discounts on bookings.

Fuel Credit Cards: This one is tailored for vehicle owners, providing fuel surcharge waivers, cashback on petrol/diesel purchases, and reward points at partner fuel stations.

Lifestyle Credit Cards: These cards cater to urban consumers with benefits across dining, shopping, entertainment, and wellness services.

Things to Know Before Applying for a Credit Card

Before applying for a tata credit card online, here are some things that you should consider:

Credit Score: A good credit score improves approval chances and helps you get better interest rates.

Associated Charges: Review annual fees, late payment fees, and other applicable charges.

Spending Capacity: Choose a credit limit that meets your needs without encouraging overspending.

Rewards: Select a tata credit card loan with rewards that match your spending habits.

Rate of Interest: Compare APRs across tata credit cards. Apply for cards with lower rates as they help minimise costs if you carry balances month-to-month.

Repayment Discipline: Make sure you make timely repayment to avoid penalties and protect your credit score.

FAQs

They are points you get for every purchase you make with your credit card. You can collect these points over time and redeem them for various benefits, such as discounts on future purchases, cashback, travel rewards, etc.

A credit score is a number that represents your creditworthiness based on your credit history. Financial institutions use this score to evaluate if you’re a risky borrower. It is a 3-digit number ranging from 300 to 850. A higher credit card score (typically 700 or above) shows that you’re financially responsible and increases your chances of getting a loan.

A surcharge waiver is a benefit in which the additional fee on your transaction is waived off if you pay using your card at certain merchant outlets.

For example, when you use your card to purchase fuel at a petrol pump, you may be charged a surcharge fee by the petrol pump operator. This fee is typically a percentage of the transaction value and is added to your bill. With a surcharge waiver, this additional amount will be waived off, saving you money on the transaction and making your purchases more affordable.

Balance transfer credit allows you to transfer the balance or borrowed amount from one or more credit cards to another card with a lower interest rate. It helps you to combine your debt and reduce your interest payouts.

A card that can be approved and issued quickly, within minutes or hours of applying. They have lower credit limits and fewer features than regular cards but can be useful in financial emergencies. You can also get an instant virtual credit card for online transactions.

These cards are specifically for company use, with higher credit limits, employee cards, expense tracking tools, and rewards for business purchases. They can be physical or virtual, and managed online through credit card company applications.

To easily apply for Tata credit cards, visit the tata card page, go to Personal > Credit Cards, select All Cards, choose your preferred card, and click Apply Now. Next, fill in the required details on the online application page, confirm, and submit your request.

You can make online payments for your Tata credit card in several easy ways. You can use the Tata Neu app and Tata Pay, pay via NetBanking or mobile banking, use the BillDesk payment gateway, or transfer funds using NEFT/RTGS/IMPS from your bank account.

To apply for a Tata credit card, you usually need a passport-size photo, PAN card, ID and address proof, and income proof like payslips or ITR. Please note that requirements may vary slightly by card type and your employment status.

To login to your Tata card account, visit Tata Card website. Enter your registered mobile number, user ID, or card details along with your password. You can also use your card number and date of birth to receive an OTP for verification.

Yes, you can get a loan against your Tata credit card using the Encash feature. It is a pre-approved facility that lets eligible cardholders borrow money and repay it in easy monthly instalments.