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Tata Croma SBI Card
An entry-level electronics-focused co-brand card from SBI Card and Tata's Croma chain, aimed at shoppers who buy gadgets and appliances regularly. The value-back structure favours Croma and other Tata Group retail spends over general categories.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
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 & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ 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
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- 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.
Pros
- + Strong value back on Croma and Tata Group brand purchases
- + Low annual fee with an easy spend-based waiver
- + Useful for anyone doing regular appliance/electronics shopping
Cons
- − Reward rate on non-Tata spends is unremarkable
- − No lounge access or premium travel perks