Tata Croma Card

SBI Card · Open to apply

Croma-branded version of the Tata Card: 3 Empower Points per ₹100 (3%) on groceries and departmental stores, 1 point elsewhere, 1.5% back at Croma and croma.com and up to 5% at other Tata outlets. A point is worth ₹1 in Tata vouchers. ₹499 fee, waived at ₹1 lakh a year; 500 welcome points on ₹2,000 spend.

Annual fee
₹499 + GST a year
Joining fee
₹499 + GST
Fee waiver
Annual fee waived on ₹1,00,000 spend per card year
Base rate
1 Empower Point per ₹100 on other retail spends: 1 Empower Points per ₹100 (about 1% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 5 Empower Points per ₹100 at Westside: 5 Empower Points per ₹100 (about 5% at cash value)
  • 3.5 Empower Points per ₹100 at Star Bazaar: 3.5 Empower Points per ₹100 (about 3.5% at cash value)
  • 3 Empower Points per ₹100 on departmental stores and groceries: 3 Empower Points per ₹100 (about 3% at cash value)
  • 3 Empower Points per ₹100 at Titan: 3 Empower Points per ₹100 (about 3% at cash value)
  • 2 Empower Points per ₹100 at Landmark stores: 2 Empower Points per ₹100 (about 2% at cash value)

Earns nothing on

  • No points at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
  • No points on wallet loads (MCCs 6540, 6541)
  • No points on rent (MCC 6513)
  • No points on government-related transactions (MCCs 9399, 9311)
  • No points on digital gaming platforms (MCCs 5816, 7993, 7994)
  • No points on cash advances and ATM withdrawals

Where the sources disagree

  • Annual fee: The product page says "Upto Rs. 499+GST" for the annual and renewal fee; the MITC lists a flat ₹499 and a ₹499 renewal waived at ₹1 lakh. We use the MITC.
  • Partner rates on the rewards page: The rewards page shows a second block of partner rates labelled "Platinum" that carries the Titanium figures (Croma 1.5, Titan 3, Tanishq 1.75, Tata CLiQ 1.5), while its first Platinum block (Croma 2, Titan 4, Tanishq 2, Tata CLiQ 2) matches the FAQ for Tata Card SELECT. The Titanium rates (the product page says 1.5% value back at Croma) are used here.

Terms the calculator does not value

  • The welcome terms document is from 2018 (it names the Tata Titanium Card and the Tata Croma Titanium Card); the Croma Card page and the FAQ of Oct 2025 still state 500 Empower Points on ₹2,000 in the first 60 days, credited within 60 days of the eligible spend. Cash withdrawals, balance transfers and Easy Money spends do not count.
  • Partner accrual (up to 5% value back) depends on the merchant ID list Tata gives SBI Card, on a best-effort basis; until Tata supplies the right IDs the rewards do not accrue. The calculator treats the named partners as covered. The FAQ also says no benefit accrues in accelerated categories on transactions under ₹100.
  • Seasonal offer cashbacks at Tata outlets are separate from Empower Points ("applicable during specific campaigns") and are not entered.
  • The partner-rate table is the family FAQ's, shared by the three cards of the line; this card's own page highlights only its own partner (the other partners' rates are entered from the FAQ table, which names no card exception).
  • No complimentary insurance cover, airport-lounge programme or card-specific eligibility (age, income) criteria are stated in the booklet, FAQ or page; the optional insurance products the booklet mentions are sold by insurers on solicitation and are not benefits. The page does not state which network a new applicant receives.
  • Add-on cards: family members above 18 (product page), no fee ("Add-on fee, per annum: Nil").

Sources

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