Enjoy Premium Benefits and Luxury with Tata Cards
Have you ever thought of earning reward points, cashbacks, and exclusive discounts on your everyday spends? Do you want the convenience of shopping freely without worrying whether you have enough balance in your bank account? If yes, then a Tata Credit Card is the perfect financial companion for you. It gives you the freedom to shop, dine, travel, and spend on your terms—while enjoying premium benefits, secure transactions, and unmatched convenience on every swipe.
Tata Capital Credit Cards
At Tata Capital, we offer two types of feature-packed credit cards designed to reward your lifestyle. Whether you prefer everyday savings or premium benefits, Tata Cards bring convenience, luxury, and exceptional value on every spend.
| Card Name | TATA Card Standard | TATA Card Select |
|---|---|---|
| Reward Points | 1 Reward point per ₹100 spent (1 RP = ₹1) | 1 Reward point per ₹100 spent (1 RP = ₹1) |
| Accelerated Reward Points | 3 Reward points per ₹100 spent (departments & grocery) | 3 Reward points per ₹100 spent (dining, departments & grocery) |
| TATA Accelerated Rewards | Up to 5× reward points at TATA group outlets | Up to 5× reward points at TATA group outlets |
| Spend-Based Fee Reversal | Spend ₹1 lakh/year to get next year’s annual fee reversed | --- |
| Fuel Surcharge Waiver | 1% waiver on fuel transactions ₹500–₹3000 (up to ₹100/month) | 1% waiver on fuel transactions ₹500–₹4000 (up to ₹250/month) |
| Annual / Renewal Fee | ₹499 + GST / year | ₹2999 + GST / year |
| Welcome Gift | 500 Reward Points (₹500) on ₹2000+ spend in 60 days | ₹3000 e-Gift Voucher (Westside, Yatra, Bata, Hush Puppies, AB Fashion) |
| Lounge Benefits | --- | 8 free airport lounge visits per year (2 per quarter) |
| Anniversary Gift Voucher | --- | ₹3000 e-Gift voucher on ₹2 lakh+ annual spend |
| Bonus Spend Reward | --- | ₹3000 e-Gift voucher on spends of ₹4 lakh & ₹5 lakh each |
What is a Credit Card?
A credit card (CC) is your gateway to financial flexibility and convenience. Similar to a debit card, it allows you to make purchases — but instead of using your own bank balance, you borrow money from the card issuer up to a pre-approved limit. It can also be used for cash withdrawals when needed. The best part? Credit cards reward your spending with cashback, travel points, discounts, and exclusive perks.
Benefits of Owning a Tata Card
Tata Capital’s credit cards offer powerful advantages to help you manage your finances smartly while enjoying premium lifestyle benefits. Whether you love travelling, dining, shopping, or simply want easier access to credit, Tata Cards come packed with unmatched value.
- Lower Interest Option: Transfer outstanding balances from other cards to Tata Card and pay much lower interest.
- Encash More: Need urgent funds? Use your Tata Card to encash up to — or even above — your credit limit.
- Instant Cash: Access instant funds anytime through Easy Money or ATM Cash facilities.
- Protection: Enjoy insurance cover for lost or stolen cards, accidents, and health-related concerns.
- Easy Bill Payments: Pay all your bills instantly using Auto Pay, Register & Pay, or Fast Pay features.
- Convenient Access: Manage your card 24/7 on tatacard.com — check statements, track spending, and control finances effortlessly.