Tata Star Card SELECT

SBI Card · Open to apply

Star Bazaar-branded version of the Tata Card SELECT: 3 Empower Points per ₹100 (3%) on groceries, departmental stores, dining and international spends, 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. A ₹3,500 Star Bazaar voucher on joining, ₹3,000 vouchers at ₹2 lakh, ₹4 lakh and ₹5 lakh of spend, 8 domestic lounge visits a year. ₹2,999 fee with no spend waiver.

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 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 and FAQ present the once-a-year voucher as the 2-lakh "Anniversary Gift" and call only the first one a welcome gift, so the welcome voucher is entered for the first year only.
  • 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.
  • The page says the milestone voucher code comes "in 30 working days from achieving the Milestone spends threshold"; how a cardholder claims it is not stated. The calculator counts all three vouchers as earned, at their face value although they can be spent only at Star outlets.
  • 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 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: up to 3 family members above 18 (product page), no fee ("Add-on fee, per annum: Nil").

Sources

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