What are credit card reward points?

They are points you get for every purchase you make with your credit card. You can collect these points over time and redeem them for various benefits, such as discounts on future purchases, cashback, travel rewards, etc.

What is a credit score?

A credit score is a number that represents your creditworthiness based on your credit history. Financial institutions use this score to evaluate if you’re a risky borrower. It is a 3-digit number ranging from 300 to 850. A higher credit card score (typically 700 or above) shows that you’re financially responsible and increases your chances of getting a loan.

What is a surcharge waiver?

A surcharge waiver is a benefit in which the additional fee on your transaction is waived off if you pay using your card at certain merchant outlets.For example, when you use your card to purchase fuel at a petrol pump, you may be charged a surcharge fee by the petrol pump operator. This fee is typically a percentage of the transaction value and is added to your bill. With a surcharge waiver, this additional amount will be waived off, saving you money on the transaction and making your purchases more affordable.

What is a balance transfer credit card?

Balance transfer credit allows you to transfer the balance or borrowed amount from one or more credit cards to another card with a lower interest rate. It helps you to combine your debt and reduce your interest payouts.

What is an instant credit card?

A card that can be approved and issued quickly, within minutes or hours of applying. They have lower credit limits and fewer features than regular cards but can be useful in financial emergencies. You can also get an instant virtual credit card for online transactions.

What is a business credit card?

These cards are specifically for company use, with higher credit limits, employee cards, expense tracking tools, and rewards for business purchases. They can be physical or virtual, and managed online through credit card company applications.

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Have you ever thought of earning points, cashbacks and discounts on all your spends? Do you want to shop conveniently without worrying about enough money in your bank account? If so, a credit card is just what you need.

Tata Capital Credit Cards

At Tata Capital, we offer two types of credit cards, packed with exciting features and benefits-

Card Name	TATA Card	TATA Card Select
Standard Reward Points	1 Reward point per ₹100 spent (1 Reward Point = ₹1)	1 Reward point per ₹100 spent (1 Reward Point = ₹1)
Accelerated Reward Points	3 Reward points per ₹100 spent (Departments and grocery store)	3 Reward points per ₹100 spent (dining, departments, and grocery store)
TATA Accelerated Reward Points	Up to 5 times reward points on spends across various TATA group outlets	Up to 5 times reward points on spends across various TATA group outlets
Spend Base Reversal	Spend ₹1 lakh in a year to get your next year annual fee reversed (that means a free credit card)	-
Fuel Surcharge Waiver	On purchase of fuel between ₹500 to ₹3000, each time you get 1% surcharge waiver up to ₹100 monthly	On purchase of fuel between ₹500 to ₹4000, each time you get 1% surcharge waiver up to ₹250 monthly
Annual/Renewal Fee	₹499 + GST/year	₹2999 + GST/year
Welcome Gift	500 Reward points, i.e., ₹500 on a total spend of ₹2000 and above in 60 days	e-Gift voucher worth Rs. 3000 from brands- Westside, Yatra, Hush Puppies, Bata, Aditya Birla Fashion.
Lounge Benefits	-	Eight free visits per year (2 every quarter)
Anniversary GV	-	e-Gift voucher of ₹3000 on spends of ₹2 lakh and above in the previous year
Bonus Spend Reward	-	e-Gift voucher of ₹3000 on crossing annual spends of ₹4 lakh and ₹5 lakh each.
	Apply Now	Apply Now

Card Name	TATA Card	TATA Card Select
Standard Reward Points	1 Reward point per ₹100 spent (1 Reward Point = ₹1)	1 Reward point per ₹100 spent (1 Reward Point = ₹1)
Accelerated Reward Points	3 Reward points per ₹100 spent (Departments and grocery store)	3 Reward points per ₹100 spent (dining, departments, and grocery store)
TATA Accelerated Reward Points	Up to 5 times reward points on spends across various TATA group outlets	Up to 5 times reward points on spends across various TATA group outlets
Spend Base Reversal	Spend ₹1 lakh in a year to get your next year annual fee reversed (that means a free credit card)	-
Fuel Surcharge Waiver	On purchase of fuel between ₹500 to ₹3000, each time you get 1% surcharge waiver up to ₹100 monthly	On purchase of fuel between ₹500 to ₹4000, each time you get 1% surcharge waiver up to ₹250 monthly
Annual/Renewal Fee	₹499 + GST/year	₹2999 + GST/year
Welcome Gift	500 Reward points, i.e., ₹500 on a total spend of ₹2000 and above in 60 days	e-Gift voucher worth Rs. 3000 from brands- Westside, Yatra, Hush Puppies, Bata, Aditya Birla Fashion.
Lounge Benefits	-	Eight free visits per year (2 every quarter)
Anniversary GV	-	e-Gift voucher of ₹3000 on spends of ₹2 lakh and above in the previous year
Bonus Spend Reward	-	e-Gift voucher of ₹3000 on crossing annual spends of ₹4 lakh and ₹5 lakh each.
	Apply Now	Apply Now

What is a Credit Card?

A credit card (CC) is your ticket to financial flexibility and convenience. It's like a debit card, but the money you spend does not come from your bank account. It is borrowed from the card issuer and you can use it to make purchases or withdraw cash up to a certain limit. The best part? You can earn cashback, get points for travel, or enjoy other perks for your spending.

Benefits of owning a Tata card

There’s nothing like too many benefits, is there? With Tata Capital’s cards, you can now manage your finances with ease and enjoy perks like-

Lower interest option: Move your debt from other cards to Tata Card and pay less interest on what you owe.
Encash more: In need of cash? Use your Tata card to encash up to or above your credit limit.
Instant cash: Get instant access to cash with any of our two services - Easy Money and ATM Cash.
Protection: Get insurance coverage against lost or stolen cards, accidents, health issues, and more.
Easy bill payments: Use features like Auto Pay, Register & Pay, and Fast Pay to pay your bills quickly and effortlessly.
Convenient access: With tatacard.com, you can access your Tata Card account anytime, anywhere. It's a convenient way to manage your card, track your spending, and keep up with your finances.

With Tata Capital’s value-packed CC, you can enjoy exclusive rewards, unparalleled benefits, and top-notch customer service. So, whether you're a frequent traveller, a foodie, or someone who simply loves to shop, our CC has something for everyone.

How to apply for Tata credit cards?

Selected the right card that ticks all your requirements? Apply instantly with minimal paperwork and a lightning-fast process. Just a few clicks and you'll have your new card in no time!

For a seamless application process, just follow these steps-

From the main menu, select ‘Personal > Credit Cards’.
Click ‘All Cards’ to view all the cards available on the site.
Choose the card you want and click on ‘Apply Now’.
You will be redirected to the online application page. Here, fill in the required details.
Check the confirmation box and click on ‘Submit’.