Tata Star Card

SBI Card · Open to apply

Star Bazaar-branded version of the Tata Card: 3 Empower Points per ₹100 (3%) on groceries and departmental stores, 1 point elsewhere, 3.5% back at Star Bazaar and up to 5% at other Tata outlets. A point is worth ₹1 in Tata vouchers. ₹499 fee, waived at ₹1 lakh a year; a ₹1,000 Star Bazaar voucher on joining.

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

  • 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 FAQ for this card gives Croma 1.5) are used here.

Terms the calculator does not value

  • The booklet's welcome gift terms give the gift "after paying the membership fee for the eligible year" (the year in which the fee is paid), which could mean a voucher on every fee payment; the page ("within 30 days of joining fee") and the FAQ present it as a welcome benefit, so it is entered for the first year only.
  • The page says "3.5% value back on spends at STAR Outlets" and the FAQ gives Star Bazaar 3.5 Empower Points per ₹100; they are taken as the same rate. The voucher is for Star outlets only, so the calculator's value for it may overstate what a cardholder who does not shop there gets.
  • 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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