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Tata Star Card (Titanium)
The entry-level counterpart to the Tata Star Card SELECT, giving valueback at STAR retail/pharmacy outlets at a lower fee and without lounge access — a starter card for shoppers whose spend concentrates there.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
1%
Card network
Mastercard
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on fuel transactions of Rs. 500 to Rs. 3,000 (max Rs. 100 per statement cycle).
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- 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 at all fuel pumps.
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no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. 1,000 from STAR.
- 1% fuel surcharge waiver on fuel transactions of Rs. 500 to Rs. 3,000 (max Rs. 100 per statement cycle).
Pros
- + Meaningful valueback at STAR outlets for an entry-level card
- + Low, waivable annual fee
Cons
- − No lounge access
- − Reward earn drops sharply outside STAR-branded spend