See Complete Review Of Platinum TATA Croma Credit Card- See All(Features, Benefits, Charges, Application Process, Eligibility) & More.

TATA & SBI has a good relationship with each other & they had launched some successful credit cards, Platinum TATA Croma Credit Card is one of them. this card is a multipurpose credit card with good benefits.

In this article, we are going to know all about Platinum TATA Croma Credit Card Features and benefits of this Platinum TATA Croma Credit Card, some Downsides of this SBI co-branded card, application process(step by step), eligibility criteria, required documents etc.

If you will not complete this article, then you miss a lot of information about this TATA SBI Croma Card. So, read the complete article.

FEATURES OF PLATINUM TATA CROMA CREDIT CARD

1. You can make an add-on card for your family members with the help of this credit card.
2. This credit card is accepted all over the world in Mastercard outlets. 24 million outlets all over the world and 3,25,000 rupees merchant outlets in India.
3. If you are facing any problem regarding this card then you can call the helpline number 24*7.
4. You can book any railway ticket from home with the help of this card.
5. If you buy from Croma outlets and then, you can get a 2% value back.

BENEFITS OF PLATINUM TATA CROMA CREDIT CARD

1. If you spend Rs.100 with this credit card, then you will get 1 Empower point.
2. If you want to transfer money to any other credit card with the help of this credit card, then you can do it at a lower interest rate.
3. If you buy fuel in India with this credit card, and the amount of purchase is between Rs. 500 to Rs. 4000 then you will get a 1% discount.
4. You can pay your monthly bills with this credit card like electricity bill, Mobile bill, Etc.
5. You can withdraw money from any ATM with this credit card total of 18,000 ATMs in India.

DOWNSIDES OF PLATINUM TATA CROMA CREDIT CARD

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

1. The late payment fee from Rs.0 to Rs 200 is Rs 0.
2. The late payment fee of more than Rs 200 and up to Rs 500 is Rs 100.
3. The late payment fee is greater than Rs 500 and up to Rs 1,000 is Rs 400.
4. The late payment fee is greater than Rs 1,000 and up to Rs 10,000 is Rs 600.
5. The late payment fee greater than Rs 10,000 and up to Rs 25,000 is Rs 800.
6. The late payment fee above Rs 25,000 is Rs 950.

CHARGES OF PLATINUM TATA CROMA CREDIT CARD

• If you take this card then you have to pay Rs 2,999 as the Annual fee. You have to pay this money only once.
• If you take this card, then you will have to pay Rs 2,999 as a renewal fee. you have to pay this money every year.
• In this credit card charge, slip retrieval is Rs. 225 per slip charge, Cheque fee is Rs. 100 in this credit card.

HOW TO APPLY FOR PLATINUM TATA CROMA CREDIT CARD

If you want to apply for this TATA Croma Platinum Credit Card, then you can apply by 2 processes(online and offline). If you want to apply online then follow the steps given below.

1. To apply for this credit card, you have to go to the official website of the TATA Card or Click here.
2. After going to the official website, you will have to give your name, mobile no, email address.
3. When you fill in all your details, a verification code will be sent to your mobile number and have to submit that verification code.
4. After submitting the verification code, you will get an application form page.
5. Fill that application form as well as submit the documents.
6. After submitting the documents, your application will be scrutinized by the bank.
7. After all the process is completed, you will get a call from the bank, they ask some questions to verify the documents & other things.
8. After this whole process, You will get your card at your home in 14 days or early.

ELIGIBILITY CRITERIA FOR TATA CROMA CREDIT CARD(PLATINUM)

• You must be at least 18 years of age to take this card.
• You are an employee of a company and you are getting a salary every month or you are doing some work by yourself and earning money from it.
• 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. It means you must have a decent income.

DOCUMENTS REQUIRED FOR PLATINUM 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 Bills(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 Salary slip, Last 3 months bank statement.

CONCLUSION & REVIEW

If you do not have a good income, then do not take this credit card because the charges they have are very high. If you are earning good money from anywhere then you can use this credit card because you get to see many offers on this credit card.

We also suggest you, decide to buy by seeing the features & benefits(if features & benefits are helpful to you, buy this otherwise see other cards like Titanium TATA Card, SimplyClick SBI Card or Club Vistara SBI Card.

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