See All Of This Titanium TATA Croma Credit Card- All Features, Benefits, Charges, Complete Application Process(Step By Step) Also Conclusion & Opinion

TATA CROMA TITANIUM CARD is serviced and operated by STATE BANK OF INDIA. You get to see many benefits of this credit card based on your daily expenses & usage. SBI launched this TATA Croma Titanium Card with TATA corporation, which you know very well.

In this article, we are going to know more about TATA CROMA CREDIT CARD Features and benefits of the card, the Downsides of the card, how to apply, eligibility criteria, documents required, Etc.

If you don’t complete this article, then you miss a lot of information about this card. To read the complete article.

FEATURES OF TITANIUM TATA CROMA CREDIT CARD

• This credit card is accepted all over the world in multiple merchant outlets.
• This TATA Croma Titanium  Card also helps also you to pay your bills like electricity bills, mobile bills etc.
• If you want to transfer money to any other credit card with the help of this credit card, then you can do it at lower interest rates.
• If you buy fuel in India, you will get huge discounts on petrol and diesel.
• You can book railway tickets very easily with the help of this card. you can book your railway ticket from IRCTC.
• In this card, you get advanced technology, with the help of which you will never get caught in fraud.

BENEFITS OF TITANIUM TATA CROMA CREDIT CARD

• Within 60 days from the day you take this credit card, if you buy goods of Rs 2,000 with this credit card, then you will get Rs 500 Empower points which are equal to Rs. 500.
• If you purchase from the Croma and Croma in retail website, then you will get a value back of 1.5 per cent.
• If you buy from any Tata outlet, then you will get a value back of 5%.
• When you purchase fuel in India, you will get a 2.5% discount with this credit card.
• If you spend Rs 75,000 from this card in 1 year, then you will not need to pay the annual fee. It means your next year annual fee will be waived off after 75,0000 rupees spend.
• If you have a reward point on this credit card then you will get Rs 1 of each reward point.

CHARGES OF TITANIUM TATA CROMA CREDIT CARD

• If you take this card then you have to pay Rs 499 as an annual fee. You have to pay this money only once. You have to deposit this fee at the time of application (after verification).
• If you take this card, then you will have to pay Rs 499 as a renewal fee. you have to pay this money every year. But if you spend Rs 75,000 in a year your renewal fee will be waived off.
• On this credit card, you have to pay Statement Retrieval charges of Rs.100 for each statement.
• The cheque pickup fee is Rs. 90 on this credit card.

LATE PAYMENT CHARGES OF TITANIUM TATA CROMA CREDIT CARD

On this card, you have to pay more charges especially late payment charge

• The late payment fee from Rs.0 to Rs 200 is Rs 0.
• A late payment fee of more than Rs 200 and up to Rs 500 is Rs 100.
• A late payment fee greater than Rs 500 and up to Rs 1,000 is Rs 200.
• A late payment fee greater than Rs 1,000 and up to Rs 10,000 is Rs 500.
• A late payment fee above Rs 10,000 is Rs 750.

ELIGIBILITY CRITERIA FOR TITANIUM TATA CROMA CREDIT CARD

• You must be at least 18 years of age to take this card.
• You need to be the residence of India to get this card
• This credit card will be given to you based on your annual income. However, this card is mainly for middle-class persons, So if you earn an average, you may be eligible.

HOW TO APPLY FOR A TATA CROMA CREDIT CARD

If you want to apply for this credit card, then you can apply online and offline. But if you want to apply online then follow the steps given below.

• To apply for this credit card, you have to go to the official website of the Tata card.
• After going to the official website, you will have to give your name, mobile no, email address.
• When you fill in all your details, a verification code will be sent to your mobile number and have to submit that verification code.
• After submitting the verification code, you will get an application form page.
• Fill that application form as well as submit the required documents.
• After submitting the documents, your application will be scrutinized by the bank.
• After all the process is completed, you will get a call from the bank and you will get your card.

DOCUMENTS REQUIRED FOR TITANIUM TATA CROMA CREDIT CARD

Proof Of Identity

PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Person of Indian Origin Card, Job card issued by NREGA, Overseas Citizen of India, Letters issued by the UIDAI.

Proof Of Address

Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card provided by the government, Person of Indian Origin Card, Job card which is issued by NREGA, Any Bank Account Statement.

Proof of Income

Copy of Income proof(any original document related to your job), Last 3 months bank statement.

CONCLUSION

Anyone can take this credit card because in this you do not have to pay high charges. Those who shop regularly in Tata outlets will find this card is very beneficial for them. Otherwise, this TATA Croma Credit Card is not so helpful for you & we suggest you, see other cards like Fabindia Card, Fbb Credit Card or SBI BPCL Card(for fuel benefits).