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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.
Annual fee
₹250
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 0.25% base rate
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
Fees & charges
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver on eligible transactions, capped at ₹250 per billing cycle.
Benefits
- 1% fuel surcharge waiver on eligible transactions
Pros
- + No joining fee; ₹250 + GST renewal fee from the second year
- + Simple eligibility for existing TMB customers
Cons
- − Negligible reward rate
- − No lounge access or lifestyle benefits