Introducing the Tata Star Titanium Card – Privileges on Tata Star Card SELECT.
Welcome & Anniversary Benefits:
Enjoy a Welcome e-Gift Voucher worth Rs. 1,000 from STAR upon card activation. Additionally, you can also avail of anniversary benefits, which may include special offers or rewards.
Value Back:
Receive a value back on your purchases. Get 3.5% value back on spends at STAR outlets and up to 5% value back on spends at select TATA outlets.
Reward Points:
Earn reward points on your transactions. Get 3 Reward Points for every Rs. 100 spent on departmental and grocery stores, and 1 Reward Point for every Rs. 100 spent on other retail purchases. Each Reward Point is equivalent to Rs. 1.
Spend Based Fee Reversal:
If your annual spends on the card exceed Rs. 1,00,000, you are eligible for spend-based fee reversal. This means that certain fees associated with the card may be reversed based on your spending activity.
These privileges and benefits make the TATA STAR Titanium Card a rewarding choice, providing value back on your spends, earning reward points, and offering fee reversals based on your annual spends.
Benefits and Features of Tata Star Titanium Card
Fuel surcharge:
Enjoy a 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 3,000 at any petrol pump in India. Make a fuel purchase within this range to avail of this benefit. The maximum surcharge waiver is Rs. 100 per statement cycle, per credit card account.
Worldwide acceptance:
Use your TATA STAR Titanium Card at over 24 million outlets worldwide, including 3,25,000 outlets in India. It is accepted wherever MasterCard is accepted, allowing you to make payments conveniently.
Credit facility:
The TATA STAR Titanium Card offers flexibility in payment. Plan your outstanding payments with the extended credit option. You can choose to pay any amount from the minimum amount due to the total outstanding amount as shown in your monthly statement. Carry forward the unpaid balance at one of the lowest finance charges available.
Enhanced power with add-on cards:
Apply for add-on cards for your spouse, parents, children, or siblings above the age of 18. This feature allows you to share the benefits of your TATA STAR Titanium Card with your family members.
Cash withdrawals:
Withdraw cash from over 1 million Visa or MasterCard ATMs worldwide. Ensure that the ATM displays the Visa or MasterCard logo before making a withdrawal.
Online booking of railway tickets:
With the TATA STAR Titanium Card, you can book your railway tickets online and enjoy home delivery. Register at irctc.co.in, follow the instructions, make the payment using your TATA STAR Titanium Card through the accepted payment gateways.
Utility bill payment facility:
Make online payments of your utility bills, including electricity, insurance, or telephone, using your TATA STAR Titanium Card. Enjoy the convenience of paying your bills from anywhere.
Guaranteed peace of mind:
For any queries or concerns, contact the 24×7 Tata Cards Customer helpline. Call 1800 180 8282 if calling from BSNL/MTNL or 39 02 34 56 from any other number. Global Customer Assistance Services are available worldwide.
Balance Transfer:
Save money on your credit card dues by transferring the outstanding balance from other credit cards to your TATA STAR Titanium Card, which offers a lower rate of interest.
Flexipay:
Flexipay allows you to shop without worrying about immediate payment. Repay your purchases in easy monthly installments at a lower rate of interest. Choose a suitable Flexipay plan within 30 days of purchase by making a phone call.
E-statements:
Receive your monthly statements directly in your inbox. Enjoy the convenience of timely and secure statements without the hassle of postal delays or lost statements.
Global access 24/7:
Your TATA STAR Titanium Card provides you with global access, 24/7, allowing you to manage your card and access customer support whenever needed.
Fees and Charges
Fees:
- Annual Fee (one-time): Rs. 499+GST
- Renewal Fee (per annum): Rs. 499+GST
- Add-on fee, per annum: Nil
Extended Credit:
- Interest-free credit period: 20-50 days for retail purchases, if previous month’s outstanding balance is paid in full
- Finance charges: Up to 3.50% per month (42% per annum) for Unsecured Cards; 2.75% per month (33% per annum) for Secured Cards
- Minimum amount due: 5% of the total outstanding amount, with a minimum of Rs. 200 + all applicable taxes + EMI (in case of EMI-based products) + OVL amount (if any)
Cash Advance:
- Cash advance limit: Up to 80% of the credit limit, maximum of Rs. 15,000 per day for TATA STAR Titanium Cards
- Free credit period: Nil
- Finance charges: Up to 3.50% per month (42% per annum), starting from the transaction date
Cash Advance Fees:
- SBI and other domestic ATMs: 2.5% of the transaction amount (minimum of Rs. 500)
- International ATMs: 2.5% of the transaction amount (minimum of Rs. 500)
Other Charges and Fees:
- Cash payment fee: Rs. 100
- Cheque Pick Up Fee: Rs. 100
- Cheque Fee: Rs. 100 (for payments made via cheque up to Rs. 10,000)
- Payment Dishonor fee: 2% of the payment amount (minimum of Rs. 500)
- Statement retrieval: Rs. 100 per statement older than 2 months
- Charge slip retrieval: Rs. 225 per charge slip
- Late payment fees: Vary based on the total amount due, ranging from NIL to Rs. 1300
- Over limit: 2.5% of the over limit amount (minimum of Rs. 600+applicable taxes)
- Card replacement: Rs. 100
- Emergency card replacement when abroad: Actual cost of the card (minimum of $175)
- Foreign currency transaction: Conversion mark-up of 3.5%
- Cash upgrade fees: Rs. 500
- Surcharge: Varies based on the transaction type, such as railway tickets, petrol purchases, etc. Maximum fuel surcharge waiver of Rs. 100 per month per credit card account.
Order of Payment Settlement:
Payments made for a cardholder account will be settled in the order of Minimum Amount Due, Fees & Other Charges, Interest charges, Balance Transfer Outstanding, Purchase Outstanding, and Cash Advance.
Important:
- Payments through cheques payable outside the clearing zones are not accepted. Only local cheques or drafts payable in Delhi are accepted.
- All applicable taxes are charged on the above fees, interest, and charges.
- The value proposition of the co-brand product may involve joint funding between SBI Card and the co-brand partner, with fee and revenue sharing between the two parties.
- Your continued use of the card will be considered acceptance of any amendments to the terms and conditions.
TATA STAR Titanium Card helpline numbers:
- From BSNL/MTNL numbers: 1800 180 8282
- From all other numbers: 39 02 34 56
(Prefix your STD code if using a mobile phone)
Frequently Asked Questions (FAQs) about Tata Star Titanium Card:
1. What are the fees associated with the TATA STAR Titanium Card?
– The card has an annual fee of Rs. 499+GST, and the same amount is charged for the renewal fee. There is no add-on fee per annum.
2. Is there an interest-free period for retail purchases?
– Yes, you can enjoy an interest-free credit period of 20-50 days for retail purchases if you pay the previous month’s outstanding balance in full.
3. What is the cash advance limit and the associated fees?
– You can withdraw cash up to 80% of your credit limit, with a maximum of Rs. 15,000 per day. The cash advance fees are 2.5% of the transaction amount (minimum of Rs. 500) for SBI and other domestic ATMs, and the same applies to international ATMs.
4. Are there any additional charges or fees?
– Yes, there are various charges and fees such as cash payment fee, cheque pick-up fee, payment dishonor fee, statement retrieval fee, late payment fees, card replacement fee, foreign currency transaction charges, and more. Please refer to the detailed fee section for the complete list.
Conclusion:
The TATA STAR Titanium Card offers several benefits, including welcome and anniversary benefits, value back on spends at STAR and TATA outlets, reward points on retail purchases, flexible payment options, cash withdrawal facilities, and various additional features like online railway ticket booking, utility bill payment, and e-statements. However, it’s important to consider the associated fees and charges before applying for the card. For further assistance, you can contact the helpline numbers provided.
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