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Tata Star Card SELECT (Platinum)
A Tata Card variant co-branded with STAR Health & Allied Insurance retail/pharmacy outlets, giving strong valueback there alongside standard Tata-ecosystem rewards. The domestic lounge access is a genuine step up from the plain Tata Platinum card.
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 dining, 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 (capped ₹1,000/monthly)
- 🛒 Groceries
3% reward rate (capped ₹1,000/monthly)
- ✈️ Travel
8 complimentary domestic Mastercard lounge visits a year, capped at 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
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- ₹3,000 STAR e-gift voucher on card issuance.
- ₹3,000 STAR e-gift vouchers on ₹4 lakh and ₹5 lakh annual spend.
- 8 complimentary domestic Mastercard lounge visits a year, capped at 2 per quarter.
Pros
- + 3.5% valueback at STAR outlets
- + Domestic lounge access included
- + Large welcome and milestone vouchers
Cons
- − High fee unless STAR/Tata spending is frequent
- − Lounge access is domestic-only