SBI Tata SELECT Credit Card: Unlock Premium Rewards and Benefits
Welcome to CreditCardPath.in, your trusted source for credit card information in India! The SBI Tata SELECT Credit Card is a premium co-branded card designed for shoppers who love Tata Group brands like Croma, Westside, and STAR. Packed with exclusive rewards, lounge access, and milestone benefits, this card offers unmatched value. In this detailed guide, we explore its features, benefits, fees, eligibility, and more to help you decide if it’s the right fit for your lifestyle. Read on to maximize your savings and rewards with this card!
Why Choose the SBI Tata SELECT Credit Card?
The SBI Tata SELECT Credit Card, offered by SBI Card in collaboration with Tata, is tailored for frequent shoppers at Tata Group outlets. With an annual fee of ₹2,999, it provides premium perks like 5% value back on STAR and Tata brand purchases, 8 complimentary domestic lounge visits annually, and milestone e-vouchers. Whether you shop at Croma, Westside, or online via Tata Neu, this card ensures significant savings and a rewarding experience. Let’s dive into the details to see how this card can elevate your shopping and travel experiences.
Key Highlights of SBI Tata SELECT Credit Card
- Earn 5% value back on STAR and Tata brand purchases.
- Enjoy 8 complimentary domestic airport lounge visits per year (2 per quarter).
- Get a ₹3,500 e-Gift Voucher from STAR on card activation.
- Annual fee of ₹2,999 with spend-based reversal on ₹3 lakh annual spends.
- 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000.
Who Should Get This Card?
This card is ideal for individuals who frequently shop at Tata Group stores, travel often, and seek premium lifestyle benefits. If you’re looking for a card that combines shopping rewards, travel perks, and milestone benefits, the SBI Tata SELECT Credit Card is a great choice. Stay tuned as we break down every aspect of this card to help you make an informed decision!
General Information
The SBI Tata SELECT Credit Card is a premium offering by SBI Card and Tata, designed for shoppers and travelers. With exclusive rewards on Tata Group brands like Croma, Westside, and STAR, it offers up to 5% value back and 8 complimentary domestic lounge visits yearly. Ideal for frequent Tata shoppers, this card combines lifestyle benefits, milestone rewards, and travel perks, making it a versatile choice for premium cardholders in India.
Basic Details
| Feature | Details |
|---|---|
| Card Issuer | SBI Cards and Payment Services Ltd. in collaboration with Tata |
| Joining Fee | ₹2,999 + GST |
| Renewal Fee | ₹2,999 + GST (Reversed on annual spends of ₹3 lakh) |
| Card Category | Premium Co-branded Shopping and Lifestyle |
| Rewards | 5% value back on STAR and Tata brands, 3.5% on other spends |
| Airport Lounge Access | 8 complimentary domestic lounge visits per year (2 per quarter) |
| Railway Lounge Access | Not available |
| Network | Mastercard |
Extra Details
The SBI Tata SELECT Credit Card offers a robust set of features for premium users. It includes milestone benefits like e-Gift Vouchers worth ₹3,000 on ₹4 lakh and ₹5 lakh annual spends. The card supports contactless payments, EMI options via Flexipay, and balance transfer facilities at lower interest rates. With enhanced security features like chip-and-pin technology, it ensures safe transactions globally at over 24 million Mastercard outlets.
Features and Benefits
- Welcome Benefit: ₹3,500 e-Gift Voucher from STAR on card activation.
- Milestone Rewards: ₹3,000 e-Gift Voucher on ₹4 lakh and ₹5 lakh annual spends.
- Lounge Access: 8 complimentary domestic airport lounge visits per year (2 per quarter).
- Fuel Surcharge Waiver: 1% waiver on transactions between ₹500 and ₹4,000 (up to ₹250 per cycle).
- Flexipay: Convert transactions above ₹2,500 into easy EMIs.
- Add-on Cards: Complimentary add-on cards for family members above 18.
Rewards and Cashback
- 5% Value Back: On spends at STAR and Tata Group outlets (Croma, Westside, etc.).
- 3.5% Value Back: On other retail spends, excluding fuel and EMI transactions.
- Welcome Reward: ₹3,500 e-Gift Voucher from STAR on activation.
- Milestone Benefits: ₹3,000 e-Gift Vouchers on ₹4 lakh and ₹5 lakh annual spends.
- Redemption: Vouchers redeemable at STAR and Tata partner brands.
Fees and Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹2,999 + GST |
| Renewal Fee | ₹2,999 + GST (Reversed on ₹3 lakh annual spends) |
| Finance Charges | Up to 3.5% per month (42% annually) |
| Cash Advance Fee | 2.5% of amount (minimum ₹500) |
| Foreign Currency Markup | 3.5% + GST |
| Late Payment Fee | ₹400 to ₹1,100 based on outstanding amount |
| Fuel Surcharge Waiver | 1% (up to ₹250 per cycle) |
Eligibility
- Age: 21 to 60 years (salaried) or up to 65 years (self-employed).
- Income: Minimum annual income of ₹12 lakh for salaried and self-employed.
- Credit Score: Preferably 750 or above.
- Nationality: Resident Indian or NRI with valid KYC documents.
- Employment: Stable income source with verifiable employment details.
Documents Required
- Identity Proof: Aadhaar, PAN, Passport, or Voter ID.
- Address Proof: Aadhaar, Utility Bill, or Rental Agreement.
- Income Proof: Salary slips (3 months), ITR, or Form 16.
- Photograph: Recent passport-size photograph.
- Additional: Existing credit card statement (if applicable).
How to Apply
- Visit the official Tata Card website: Tata Card.
- Navigate to “Credit Cards” and select “TATA STAR Card Select.”
- Click “Apply Now” and fill in personal, income, and contact details.
- Upload required documents (KYC and income proof).
- Complete Video KYC or schedule an in-person verification.
- Track application status via the Tata Card portal or SBI Card app.
How to Maximize Benefits
- Shop at Tata Brands: Use the card at Croma, Westside, and STAR for 5% value back.
- Online Shopping: Spend on Tata Neu for additional 5% NeuCoins on select categories.
- Travel: Utilize 8 complimentary lounge visits for domestic travel.
- Fuel: Save with 1% fuel surcharge waiver at all petrol pumps.
- Milestone Spends: Aim for ₹4 lakh and ₹5 lakh annual spends for e-vouchers.
Similar Cards from Other Banks
- HDFC Regalia: Premium travel and lifestyle card with lounge access.
- Axis Bank Vistara Infinite: Co-branded travel card with airline benefits.
- ICICI Emerald: High-end card with unlimited lounge access.
- Amex Platinum Charge: Luxury card with extensive travel perks.
Official Websites and Apply Link
Card Review
The SBI Tata SELECT Credit Card is a strong contender for Tata loyalists and frequent travelers. Its 5% value back on Tata Group purchases and 8 lounge visits make it appealing for premium users. However, the ₹2,999 annual fee may seem steep for those who don’t shop frequently at Tata outlets. The milestone rewards and spend-based fee reversal add value, but a high credit score and income are required. Overall, it’s a great pick for Tata enthusiasts seeking rewards and travel perks.
Disclaimer
The information provided about the SBI Tata SELECT Credit Card is for informational purposes only and may not be accurate or up-to-date. This is not the official website of SBI Card or Tata. Please verify details with the official Tata Card website (www.tatacard.com) before applying.
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