Tata Star Card SELECT (Platinum)

Best suited to applicants with a credit score of roughly 730+ whose spend is concentrated in dining, groceries. It's worth the annual fee mainly if your points value clears it.

• Rewards rate: 1% base rate
• Domestic lounge access: 8 complimentary domestic Mastercard lounge visits a year, capped at 2 per quarter.

• 🍽️ Dining & food delivery

  3% reward rate (capped ₹1,000/monthly)

• 🛒 Groceries

  3% reward rate (capped ₹1,000/monthly)

• ✈️ Travel

  8 complimentary domestic lounge visits a year, capped at 2 per quarter.

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 730
• Minimum monthly income: ₹35,000
• Employment: salaried, self-employed
• Age: 21–65

• 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• Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no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.

• Welcome e-gift voucher worth Rs. 3,500 from STAR; anniversary voucher worth Rs. 3,000 on crossing Rs. 2 lakh spend in the previous year.
• STAR e-gift vouchers worth Rs. 3,000 each on Rs. 4 lakh and Rs. 5 lakh annual spend.
• 8 complimentary domestic lounge visits a year, capped at 2 per quarter.