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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. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
- Travel: Vouchers and a one-way domestic IndiGo ticket on ₹4 lakh and ₹5 lakh annual spend.
- Domestic lounge access: 8 complimentary domestic lounge visits per year (max 2 per quarter)
Benefits by category
- 🍽️ Dining & food delivery
3% reward rate (capped ₹1,000/monthly) · 3X Empower Points on departmental, grocery, dining and international spends; up to 5% value back at Tata outlets and 2% at Croma.
- 🛒 Groceries
3% reward rate (capped ₹1,000/monthly)
- ✈️ Travel
8 complimentary domestic airport lounge visits per year (2 per quarter).
- 🌍 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
- 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.
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no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.
Benefits
- Welcome e-gift voucher worth Rs. 3,000 from Yatra, Hush Puppies/Bata, Aditya Birla Fashion or Westside.
- E-gift vouchers worth Rs. 3,000 each on Rs. 4 lakh and Rs. 5 lakh annual spend.
- 8 complimentary domestic airport lounge visits per year (2 per quarter).
- 3X Empower Points on departmental, grocery, dining and international spends; up to 5% value back at Tata outlets and 2% at Croma.
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