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Tata Croma SBI Card SELECT
The premium Platinum-tier version of the Tata Croma SBI Card, aimed at heavier electronics and Tata Group shoppers who also want dining, grocery, and international spend accelerators plus lounge access. The high annual fee only pays off for high-spend Croma/Tata loyalists.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in online shopping, dining, travel. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
3% reward rate
- 🛒 Groceries
3% reward rate
- ✈️ Travel
3% reward rate · Complimentary domestic airport lounge access.
- 🛡️ Insurance
Purchase protection and air accident insurance cover on the card.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Welcome e-gift voucher from Croma worth several thousand rupees on card activation and spend.
- Up to 2% value back on spends at Croma stores and Cromaretail.com.
- Up to 5% value back on spends at other Tata Group brands.
- Complimentary domestic airport lounge access.
- Purchase protection and air accident insurance cover on the card.
Pros
- + Higher value back on Croma and Tata Group brands than the base card
- + Accelerated rewards on dining, groceries, and international spends
- + Includes domestic lounge access and travel insurance
Cons
- − Steep annual fee with no stated spend-based waiver
- − Value proposition narrows quickly if you don't shop the Tata ecosystem