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Tata Card SELECT (Platinum)
The premium tier of the long-running Tata Card programme, issued by SBI Card and marketed by Tata Capital. It rewards spending across the wider Tata retail ecosystem (Croma, Tata CLiQ, Westside and others) rather than any single brand, with a milestone-driven travel perk layered on top.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
points
Base reward rate
1%
Card network
Mastercard
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 730+ whose spend is concentrated in groceries, dining. 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 (capped ₹1,000/monthly)
- 🛒 Groceries
3% reward rate (capped ₹1,000/monthly)
- 🏨 Hotel
Discounts on lunch buffets and weekend hotel packages.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 730
- Minimum monthly income: ₹35,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Up to 5 Empower Points per ₹100 at partner Tata Group outlets.
- Vouchers and a one-way domestic IndiGo ticket on ₹4 lakh and ₹5 lakh annual spend.
- Discounts on lunch buffets and weekend hotel packages.
Pros
- + Broad Tata-ecosystem valueback, not limited to one retailer
- + Meaningful milestone rewards on high annual spend
- + Fuel surcharge waiver and lifestyle discounts
Cons
- − ₹2,999 fee is steep unless Tata-brand spending is regular
- − Base reward rate outside bonus categories is low