Tata Card (Titanium)

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 rate: 1% base rate

• 🛒 Groceries

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

• ⛽ 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

• Minimum credit score: 700
• Minimum monthly income: ₹15,000
• Employment: salaried, self-employed
• Age: 21–65

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• Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no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

• 500 bonus Empower Points on spending Rs. 2,000 within 60 days of card issuance.
• 1% fuel surcharge waiver on fuel transactions of Rs. 500 to Rs. 3,000 (max Rs. 100 per statement cycle).