SBI Bank Tata Croma Card SELECT
SBI Bank
Last updated: Feb 03, 2026
₹2,999
₹2,999
1.99%
No lounge access
Contents
Co-branded with Tata Croma, this Select variant is designed for frequent Croma shoppers and lifestyle buyers. It offers enhanced rewards on Croma, grocery, dining, and international transactions. Users also receive milestone e-gift vouchers and value-back offers that make it ideal for electronics enthusiasts seeking long-term benefits and savings.
Features of SBI Bank Tata Croma Card SELECT which makes it unique
Croma Value Back
Value back on Croma and Tata retail spends
Direct savings on electronics purchases
Better rate at Croma than general-purpose cards
Spend-linked Vouchers
Receive vouchers for achieving spend milestones
Extra reward value for loyal users
Competitive among co-branded cards
Rewards Structure of SBI Bank Tata Croma Card SELECT
All other retail purchases (non-fuel)
Departmental, Grocery, Dining, International
acceleratedSelected categories
Milestones of SBI Bank Tata Croma Card SELECT
Spend-linked Gift Vouchers
Varies by offer : Up to ₹6,000 in gift vouchers
Annual Spend Reward
₹5,00,000 : Additional e-gift voucher worth ₹3,000
Fees & Charges of SBI Bank Tata Croma Card SELECT
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,999 |
| Annual Fee | ₹2,999 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee may be reversed/waived based on issuer’s spend threshold.
Fee Explanation Standard issuer fees apply for overdue amounts and cash transactions.
Detailed Explanation of SBI Bank Tata Croma Card SELECT Fees
Joining Fee: 2999 (one-time)
Payable on issuance; offers subject to terms
Annual Fee: 2999 (yearly)
May be waived or reversed on meeting spend criteria
Additional Features of SBI Bank Tata Croma Card SELECT
Contactless Payments
Tap and pay enabled
Add-on Cards
Add-on cards available as per issuer terms
Welcome Bonus with SBI Bank Tata Croma Card SELECT
Welcome Bonus: gift voucher worth ₹3,000
Bonus Conditions: Voucher awarded on eligible spends/activation as per issuer terms.
Application Process for SBI Bank Tata Croma Card SELECT
Processing Time
5-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via SBI Card or Tata partner portal
Upload KYC documents
Receive verification call from the issuer
Card approved and dispatched within 7–10 days
Required Documents for SBI Bank Tata Croma Card SELECT
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
SBI Bank Tata Croma Card SELECT Merchant Acceptance Network
Domestic Acceptance
Accepted widely across India
International Acceptance
Accepted globally at Mastercard outlets
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for SBI Bank Tata Croma Card SELECT
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹35,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and KYC documents required; card issued subject to verification.
How Approval Is Decided
- Minimum income ₹25,000/month
- Indian resident with valid KYC
- Credit score typically above 700
Pros of SBI Bank Tata Croma Card SELECT
- Excellent for frequent Croma and Tata retail buyers
- Strong accelerated reward categories
- Welcome and milestone voucher benefits
Cons of SBI Bank Tata Croma Card SELECT
- High joining and annual fee
- No lounge access or travel-specific perks
Frequently Asked Questions about SBI Bank Tata Croma Card SELECT
What is the welcome benefit for the SBI Tata Croma Card SELECT?
You receive an e-gift voucher worth ₹3,000 upon activation or eligible spending as per issuer conditions.
How do I earn rewards on this card?
Earn 3 pts/₹100 on dining, grocery, departmental, and international spends, and 1 pt/₹100 on other purchases.
Is there a value-back offer at Croma stores?
Yes, you earn up to 2% value back on Croma and Tata partner outlets, making it ideal for electronics purchases.
What are the joining and annual charges?
Both joining and annual fees are ₹2,999; annual fee reversal may apply if you meet issuer spend conditions.
Who can apply for this credit card?
Indian residents aged 18 or above with valid PAN, Aadhaar, and a minimum income of ₹25,000 per month can apply.
How long does it take for approval?
Applications are typically processed within 5–10 working days after KYC verification.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.