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Tamilnad Mercantile Bank
Tamilnad Mercantile Bank Wings RuPay Credit Card
RuPay
Tamilnad Mercantile Bank Wings RuPay Credit Card
A straightforward RuPay credit card from Tamilnad Mercantile Bank, a long-established regional private bank, offering a 45-day interest-free period and a low annual fee that's easy to waive.
Annual fee
₹250
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Insurance benefits: Personal accident insurance cover included.
Benefits by category
- 🛡️ Insurance
Personal accident insurance cover included
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 3.5%
Benefits
- Personal accident insurance cover included
- Earn reward points on every eligible purchase, redeemable for gifts, vouchers, or statement credit
- Credit limits typically range from ₹20,000 to ₹5,00,000 based on eligibility
Pros
- + Low annual fee (₹250) with an accessible quarterly-spend waiver
- + 45-day interest-free credit period
- + Free add-on card
- + RuPay network supports UPI linking
Cons
- − Requires an existing 1-year-old savings account with TMB
- − Minimum CIBIL score of 700 required
- − Reward rate and catalogue not very competitive vs. large-bank cards