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Tamilnad Mercantile Bank
TMB Platinum Credit Card
Mastercard
TMB Platinum Credit Card
TMB Platinum is Tamilnad Mercantile Bank's FD-secured credit card, issued against a term deposit of ₹50,000 or more with no income documentation. It suits existing TMB depositors in Tamil Nadu who want a lifetime-free card and a way to start building a credit history without salary proof.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
Mastercard
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- ⛽ Fuel
Fuel surcharge waiver on transactions at TMB-empanelled fuel outlets.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- 0
- Employment: salaried, self-employed
Fees & charges
- Foreign currency markup: 3.5%
Benefits
- Credit limit set as a percentage of the linked Tamilnad Mercantile Bank term deposit; no income proof or credit score needed.
- Fuel surcharge waiver on transactions at TMB-empanelled fuel outlets.
Pros
- + No joining or annual fee
- + No income proof or credit score required
- + FD keeps earning interest while lien-marked
- + Simple approval for existing TMB depositors
Cons
- − Requires locking up a ₹50,000+ term deposit
- − Low base reward rate
- − Limited to customers who can visit/operate a TMB account