Tata Croma SBI Card

Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, groceries. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 1% base rate

• 🍽️ Dining & food delivery

  3% reward rate

• 🛒 Groceries

  3% reward rate

• ⛽ Fuel

  1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 700
• Minimum monthly income: ₹20,000
• Employment: salaried, self-employed
• Age: 21–60

• Spend-based waiver: Waived on annual spend of ₹1,00,000
• Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
• Foreign currency markup: 3.5%
• Interest rate: 42% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.
• Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.

• Welcome e-gift voucher from Croma on card activation.
• 1.5% value back on spends at Croma stores and Cromaretail.com, redeemable as Croma vouchers.
• Up to 5% value back on spends at other Tata Group brands including Tata Neu, Westside, and Tata 1mg.
• 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.