Tata Croma Card

Apply for the best credit card of Tata Capital

Last updated:28-Dec-24 Writen by Narendra User Profile
Tata Croma Card
  • Best suitable for: Shopping
  • Joining Fee: ₹ 499+ GST + GST
  • Annual Fee: ₹ 499+ GST + GST
  • Welcome Benefits: Joining Offers Get 500 Empower Points worth Rs. 500 on total spends of Rs. 2000or more within 60 days of receiving the card
Tata Croma Card

Tata Croma Card: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ 499+ GST
Annual/Renewal Fee:₹ 499+ GST
Finance Charges:3.50% p.m. (42% p.a.) for unsecured cards
Spend Based Waiver:Not Applicable for this card
Over Limit Penalty:2.5% of overlimit amount, subject to a minimum of 500/-
Rent Payment charges1% Processing fee transaction amount
Forex Charges:3.5% of the transaction value
Minimum Repayment Amount:5% of Total outstanding + All charges/fees/taxes + EMI
Cheque Return Fees:2% of the payment amount subject to min of Rs. 500
Late Payment Charges:
Total Amount Due/Statement BalanceLate Payment Charges
Less than or equal to 500NIL
Above 500/- and up to 1000/-400
Above 1,000/- and up to 10,000/-750
Above 10,000/- and up to 25,000/-950
Above 25,000/- and up to 50,000/-1100
Above 50,000/-1300

Tata Croma Card: Eligibility & Documentation

Eligibility:-
Age: Applicants should be at least 18 years old.
Income: A stable annual income is essential, typically a net monthly income of 15,000/- or more and Self-employed individuals may need to show higher income proof
Credit Score: A good CIBIL score, ideally between 750 and 900, can significantly boost approval chances
The applicant must be an Indian citizen and valid address proof

Documentation:- 1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof

Tata Croma Card: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 2.5% (Min. INR 500) of the cash amount
Cash Advance Withdrwan Limit: Upto 80% of the card limit or Max 15,000/-
Cash Payment at Bank Branch: Rs. 250/- for every Cash payment

Tata Croma Card: Customer care and helpline

Customer care : 18602676060
Email Address : [email protected]
Mailing Address: Tata Capital Limited Office Address: 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400013, Maharashtra, India

Add-on Card facility: NIL

Card replacement fee: Rs 250 + GST

Rewards Redemption Fee: Rs.99 (On Gifts, Statement Credit & Specific Vouchers Only)

Domestic lounge:

International Lounge:

Fuel Surcharge:1% fuel surcharge waiver

FAQ of Tata Croma Card

Q1. What is the annual fee of Tata Croma Card?
The Annual fees of Tata Croma Card is 499+ GST. And there is Joining fees is 499+ GST.

Q2. What is the interest rate on the Tata Croma Card?
The Tata Croma Card has an interest rate of 3.50% p.m. (42% annually) for unsecured cards

Q3. Are there foreign transaction fees on the Tata Croma Card?
Yes, The Tata Croma Card charges a 3.5% fee for all transactions in foreign currency .

Q4. What is the credit limit of Tata Croma Card?
The credit limit for the Tata Croma Card is based on multiple factors, such as your income, repaying capacity, and credit history. Tata Capital does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Tata Capital offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.

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