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Tata Privilege Card

Welcome Offers : Get Rs. 100 Cash back on your first ATM Cash withdrawal within 30 days of receiving the card.
                                 

Value Back in all Partner Company Store : Upto 4% Value back at Tata & Partner store and Products  

Empower Points : The most powerful rewards programme makes shopping on your Tata Privilege Card even better. Earn one reward point on every Rs. 100 spent on your Tata Privilege Card on all merchants and redeem these reward points against a host of Rewards at Tata brand outlets . There is a subsequent increase in the empower points if the purchase is made at Tata brand outlets

How to redeem your Points ? : Please swap your Tata Privilege Card on Tata EDC machine only for accrual of the Reward Point. Redeeming of the Points is the easiest in the industry. Just walk to any Tata brand outlets , Pick a product or products of your choice and redeem the point instantly. So no calling to services, No visit to website and No courier Charges. Its simple just earn it and burn it then and there.

 

 

Worldwide Acceptance : Your Tata Privilege Card can be used in over 24 million outlets across the globe, including 3, 25,000 outlets in India. Just look for the MasterCard sign of acceptance and present your card for payment. 

Credit Facility : Your Tata Privilege Card now offers you great flexibility of payment. With the extended credit option you can plan your outstanding payments as is suitable to you. You can pay any amount from the minimum amount due to the total outstanding amount due as shown in your Monthly Statement. You can then carry forward the unpaid balance at one of the lowest finance charges available. 

Add-on Cards - Enhanced Power to your family : You can now conveniently take care of the needs of your loved ones. Your Tata card now lets you apply for add-on cards for your spouse, parents, children or siblings above the age of 18. 

0% Fuel Surcharge : Your Tata Privilege Card provides you with the unique benefit and convenience of a fuel surcharge waiver. Simply use your Tata Privilege  Card to buy petrol, diesel and lubricants at all petrol pumps outlets and you need not pay any fuel surcharge. All you have to do is to purchase fuel for amounts between Rs. 500 and Rs. 3000 every time per transaction to avail this benefit. 

Cash on the go : As a Tata Cardholder, you can withdraw cash from over 1 million Visa/MasterCard ATMs (Please check the logo on the front of your card before using) across the globe, including 18,000 ATMs in India. In addition to this, you get access to over 10,000 SBI ATMs across 100 plus cities in India. 

Book your railway tickets online : Now book your railway tickets online and getting them delivered at your doorstep. Experience the convenience of booking your tickets online with your Tata Privilege Card. All you need to do is:
1. Register free of cost on www.irctc.co.in
2. Log-in with your username and password on www.irctc.co.in
3. Book your ticket as per instructions on the website
4. Make payment through your Tata Card on the website through either of the two payment gateways which accept all Master Cards. Kindly note: All transactions on www.irctc.co.in are governed by terms & conditions of www.irctc.co.in
 

Utility Bill Payment Facility : With the Easy Bill Pay facility from Tata Privilege Card you can be rest assured you will never ever forget paying your utility bills on time. All your utility bills like electricity, insurance, telephone will get paid before the due date with this facility from Tata Privilege Card. 

Guaranteed peace of mind : Your sense of security is our priority. Tata Privilege Card automatically gives you complete peace of mind with our Tata Card Customer Helpline and 24-hr. Global Customer Assistance Services available across the world in case of any emergency. 

Balance Transfer : Here is your chance to save money while paying your credit card dues! Tata Privilege Card brings you a fast and convenient way to transfer the outstanding amount from your other card to your Tata Blue Card at the lowest rates of Interest. 

Flexipay : Flexipay, the easy installment plan from Tata Privilege Card lets you buy just about anything and repay in easy monthly installments. Choose the plan best suited to your financial needs and avail of a low rate of interest. All this through a simple phone call within 30 days of your purchase. Call the Helpline for details now! 

Easy Money Facility : Now you can order a bank draft any time by just making a local phone call to the Tata Privilege Card Customer Helpline. The amount of the draft will be billed directly to your Tata Privilege Card. You'll find it useful for payments of various bills, taxes, fees and a lot more. For more details please call the Tata Card helpline. 

Convenience of Technology E-statement : No postal delays. No lost statements. No late payments. Just the convenience of getting your monthly statement delivered directly to your email inbox. Giving you global access 24 hours and seven days a week.

 

   Fees

Joining Fee (one time) 

Rs. 350
Annual Fee(p.a.)+ Rs 350
Addon Fee(p.a.) NIL

  Extended Credit

Interest Free Credit Period

20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full) 
Finance Charges Upto 3.35% p.m. (40.2% p.a.) from the transaction date
Minimum Amount Due 5% of Total Outstanding (Min Rs. 200) + Govt. Service Tax

  Cash Advance

Cash Advance Limit

Upto 80% of Credit Limit
Free Credit Period  NIL
Finance Charges Upto 3.35% p.m.(40.2% p.a.) from the transaction date

  Cash Advance Fees

SBI ATMs /Other Domestic ATMs 

2.5% of withdrawal amount or 300/- (WIH) per transaction
International ATMs 3% of withdrawal amount or 300/- (WIH) per transaction

  Other Charges & Fees

Cheque Pickup Rs 90/-
Cheque Bounce/Invalid Cheque 2% of  Cheque dishonor amount (Min Rs. 350, Max Rs. 500).
Statement Retrieval Rs. 100 per Statement (> 2 months old)
Chargeslip Retrieval  Rs. 225 per Chargeslip
Late Payment NIL for Total Amount Due upto Rs. 200;
Rs. 100 for Total Amount Due from Rs. 201 - Rs. 500;
Rs. 200 for Total Amount Due from Rs. 501 - Rs. 1,000;
Rs. 350 for Total Amount Due from Rs. 1,001 - Rs. 5,000;
Rs. 550 for Total Amount Due from Rs. 5001 - Rs. 10,000;
Rs. 750 for Total Amount Due above Rs. 10,001
Overlimit 2.5% of Overlimit Amount (Min. Rs. 500)
Card Replacement Rs. 100
Foreign Currency Transaction Conversion mark up: 3.5%  
Card Upgrade Fee  Upto Rs. 500 

  Surcharge

Railway Tickets - Railway Counters  

Rs. 30 + 2.5% of transaction amount 
Railway Tickets - www.irctc.co.in 1.8% of transaction amount + service charge, as applicable
Petrol & all products/services sold at petrol pumps  0% surcharge for single transaction spend between Rs. 500 & Rs. 3,000
Maximum surcharge waiver of Rs. 100 p.m. per credit card account

  Order of Payment Settlement

Order of Payment Settlement

Minimum Amount Due ( which is inclusive of GST + EMI on Loan plans + 5%of Total Outstanding ) , followed by Fees and other charges, Interest Charges, Balance Transfer Outstanding, Retail Outstanding and Cash Advance.  

  Card finance charge is dynamic and will be based on the cardholder's usage and payment patterns and is subject to
  periodic review.
 
  *      Nil on Cash advance. 
  ***  Cheques payable outside clearing zones not accepted. We accept payment through local cheques /drafts payable in Delhi
          only.
          Service tax as applicable on all above fee, interest and charges. 
         + Annual fee for the next year will be reversed if your Total Annual Spends is more than Rs 50,000/- "
 
  Your continued use of the card will be deemed acceptance of these amendments.
 
  Tata Card Helpline
  From BSNL/MTNL Lines     1800 180  8282
  From All Other Lines           6000 8000
 
  All information in this communication is correct as per October 2010 and is subject to change at the discretion of SBICPSL.
  Tata Card Most Important Terms and Conditions are also available at www.tatacard.com



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