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Tata Card (Titanium)
The entry-level Tata Card, SBI-issued and Tata Capital-marketed, aimed at first-time cardholders who shop across Tata Group retail brands. Straightforward rewards, a low fee, and a realistic spend-based waiver.
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
- 🛒 Groceries
3% reward rate (capped ₹1,000/monthly)
- ⛽ Fuel
2.5% fuel surcharge waiver at all fuel pumps.
- 🌍 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 ₹75,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- 500 bonus reward points on spending ₹2,000 within 60 days of card issuance.
- 2.5% fuel surcharge waiver at all fuel pumps.
Pros
- + Accessible entry-level fee
- + Fee waivable on ₹75,000 annual spend
- + Fuel surcharge waiver on every fill-up
Cons
- − Reward earn outside groceries/departmental spend is minimal
- − No lounge access or travel perks