Tata Card SELECT

SBI Card · Open to apply

A mid-tier Tata group card: 3 Empower Points per ₹100 (3%) on groceries, dining and international spends, 1 point elsewhere, and 2% to 5% back at Croma, Westside, Star Bazaar, Titan, Tanishq, Tata CLiQ and Landmark. A point is worth ₹1 in Tata vouchers. A ₹3,000 voucher on joining, anniversary and spend vouchers at ₹2, ₹4 and ₹5 lakh, and eight domestic lounge visits a year.

Annual fee
₹2,999 + GST a year
Joining fee
₹2,999 + GST
Base rate
1 Empower Point per ₹100 on other retail spends: 1 Empower Points per ₹100 (about 1% at cash value)
Lounges
Domestic: 8 visits a calendar year
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)
  • 4 Empower Points per ₹100 at Titan: 4 Empower Points per ₹100 (about 4% 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, groceries and dining: 3 Empower Points per ₹100 (about 3% at cash value)
  • 3 Empower Points per ₹100 on international spends: 3 Empower Points per ₹100 (about 3% 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

  • 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 matches the FAQ and product page (Croma 2, Titan 4, Tanishq 2, Tata CLiQ 2). The FAQ's figures are used.

Terms the calculator does not value

  • The 2-lakh "Anniversary Gift" voucher is for spends "in the previous year", so it arrives at the start of the second card year; the calculator counts it in the first year as well, which overstates the first-year figure by about ₹3,000. The every-year figure is right.
  • 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 Tata Card SELECT family has Tata Croma Card SELECT and Tata Star Card SELECT variants (Croma 2% value back; Star outlets 3.5% and a ₹3,500 Star Bazaar welcome voucher), separate cards in the MITC and KFS that are not entered here.
  • Add-on cards: up to three family members above 18 (product page), free of fee.

Sources

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