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Tamilnad Mercantile Bank
TMB Titanium Credit Card
RuPay
TMB Titanium Credit Card
TMB Titanium is a genuinely no-frills, zero-fee starter card — useful mainly as a first card or backup rather than for rewards.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
RuPay
Card tier
Entry
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on eligible transactions
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
Benefits
- 1% fuel surcharge waiver on eligible transactions
Pros
- + Zero joining/annual fee for life
- + Simple eligibility for existing TMB customers
Cons
- − Negligible reward rate
- − No lounge access or lifestyle benefits