SBI Tata Platinum Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹2,999
₹2,999
3.5%
4 visits/yr
Contents
The SBI Card Tata Platinum is a mid-premium co-branded card offering accelerated rewards on Tata and partner spends. It includes a joining gift, fuel surcharge waiver and complimentary lounge access subject to spend conditions. Ideal for shoppers who use Tata outlets and want straightforward reward redemptions.
Features of SBI Tata Platinum Credit Card which makes it unique
Tata Partner Benefits
Extra value and offers at Tata group brands
Better value for Tata shoppers
Co-branded value vs general-purpose cards
Rewards Structure of SBI Tata Platinum Credit Card
Milestones of SBI Tata Platinum Credit Card
Anniversary Spend Reward
₹200,000 (annual) : E-voucher or bonus points as per bank's program
Fees & Charges of SBI Tata Platinum Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,999 |
| Annual Fee | ₹2,999 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Fee may be waived or reduced as per bank's offers and spend-based waivers.
Fee Explanation Standard bank rates apply for overdue amounts and transactional fees; see issuer terms.
Detailed Explanation of SBI Tata Platinum Credit Card Fees
Annual Fee: 2999 (yearly)
Welcome gift available on payment of the first-year annual fee; renewal charged annually.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per cash advance transaction.
Lounge Access Benefits with SBI Tata Platinum Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Domestic lounge visits subject to spend thresholds and participating lounges.
Insurance Coverage with SBI Tata Platinum Credit Card
Purchase protection
₹50,000Claims within 90 days of purchase; T&Cs apply.
Additional Features of SBI Tata Platinum Credit Card
Contactless Payments
Tap and pay enabled with EMV chip
Add-on Cards
Add-on cards available as per issuer policy
Welcome Bonus with SBI Tata Platinum Credit Card
Welcome Bonus: Gift voucher worth ₹3,000
Bonus Conditions: Welcome e-gift voucher credited on payment of the first-year annual fee; T&Cs apply.
Application Process for SBI Tata Platinum Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via SBI Card or Tata Card portal
Upload KYC documents
Receive verification call
Card dispatched within 7–10 business days
Required Documents for SBI Tata Platinum Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
SBI Tata Platinum Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Mastercard is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for SBI Tata Platinum Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have a valid PAN and Aadhaar; KYC and eligibility checks apply.
How Approval Is Decided
- Minimum income requirements as per issuer
- Indian resident with valid KYC
- Credit score and internal eligibility checks
Pros of SBI Tata Platinum Credit Card
- Attractive co-branded rewards for Tata shoppers
- Welcome gift and milestone benefits
- Fuel surcharge waiver on eligible transactions
Cons of SBI Tata Platinum Credit Card
- Relatively high annual/joining fee
- Accelerated rewards concentrated in a few categories
Frequently Asked Questions about SBI Tata Platinum Credit Card
Is there a joining fee?
Yes. The card attracts a joining/annual fee; the welcome e-gift voucher is credited on payment of the first-year fee.
How do I get the welcome gift?
Pay the first-year annual fee and meet any listed conditions; the e-gift voucher will be credited per the issuer's timeline.
What is the reward rate on departmental and grocery spends?
You earn accelerated reward points (typically 3 pts/₹100) on departmental and grocery categories as defined by the issuer.
Is there a fuel surcharge waiver?
Yes. A fuel surcharge waiver is available on eligible transactions within the bank's prescribed transaction limits and monthly caps.
Can I add an authorised user (add-on) card?
Yes. Add-on cards are available as per the issuer's policy and subject to KYC for add-on holders.
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