Faqs

Frequently Asked Questions

  • Balance Transfer

    Q 1. What is Balance Transfer (BT)?

    Balance Transfer (BT) facility on Tata Card enables the cardholders to transfer their outstanding credit balances from any other credit card, issued by a different bank, to their Tata Card at lower rates of interest.

    Q 2. How can I book BT?

    You can book BT in 3 simple ways, as per your convenience:

    • Log on to your Tata Card online account
      • Click on the ‘Benefits’ link on left hand navigation and select ‘Balance Transfer’
      • Enter details & confirm to book BT instantly
    • SMS BT to 56767
    • Call up our Tata Card helpline at 3902 3456 (prefix local STD code) / 1800 180 8282 (from BSNL/MTNL lines)

    Q 3. What are the plans available for BT?

    Currently there are 2 plans available for BT:

    TenureRate of InterestProcessing Fee
    60 days 0% per month 2% or Rs. 199
    (whichever is higher)
    6 months 1.7% per month   Nil

    Q 4. Can I avail BT on my other Tata Card?

    No, you cannot book BT for another Tata Card that you own.

    Q 5. For which all credit cards can I avail BT for?

    You can avail balance transfer for all credit cards, issued by different banks in India.

    Q 6. What is the amount of Balance Transfer I can avail with BT service?

    You can book balance transfer for a minimum amount of Rs. 5,000 to a maximum of 75% of your available credit limit. Your maximum limit available for BT booking will be communicated to you at the time of booking.

    Q 7. Can I ask for a cheque for the BT amount?

    For Balance Transfer booked for VISA Credit Cards, the BT amount will be transferred online through Visa Money Transfer.For all credit cards other than VISA, you will get a cheque for the BT amount.

    Q 8. Within how many days will I get the cheque for BT amount that I have booked?

    If you reside in a metro, your cheque will be delivered in 3 working days. For other locations, the delivery may take 5 working days.

    Q 9. I am an Add-on card holder, can I book BT on my card?

    No, BT on EMI can only be booked on a primary card.

    Q 10. Can I book BT on EMI on my Tata Card for my friends’ or relatives’ credit cards from other banks?

    No, Balance Transfer facility can only be availed for cards that the primary cardholder owns in his/her name.

    Q 11. I have already taken BT for the amount that I was eligible for. Now I want to book another BT, how can I do it?

    If you have availed the BT for maximum eligible amount, then you cannot book the service again till you have paid the BT booked on your Tata Card in full or parts OR your existing credit limit gets extended. If you repay the BT booked in parts, you can book another BT for this amount (Please refer to the Order of Payment Settlement to understand how the amount paid by you against your Tata Card outstanding is settled). Do note that at any given point in time, BT booking on your account cannot exceed 80% of your total Credit Limit.

    Q 12. What is the cancellation procedure for BT?

    You can call the Tata Card helpline on the below mentioned numbers in order to cancel your BT  booking:
    From all phones : 3902 3456 (prefix local STD code)
    From BSNL/MTNL lines: 1800 180 8282

    If you cancel the BT booked within 45 days of booking, then all the fees and interest charged by SBICPSL along with BT amount will be reversed. Fees and charges will not be reversed if the cancellation takes place after 45 days. Please note, the charges will not be reversed once the cheque has been encashed by you.

    Q 13. Is the cancellation process is same for all the other bank cards?

    If you have booked the BT for a Master credit card and the amount has been transferred online through Visa Money Transfer (VMT), the BT once booked cannot be cancelled. In case the BT has been booked for a credit card other than Master and the amount has been transferred through cheque - you can call the Tata Card helpline to cancel your BT booking.

  • Balance Transfer on EMI

    Q 1. What is Balance Transfer on EMI (BT on EMI)?

    Balance Transfer on EMI (BT on EMI) facility on Tata Card enables the cardholders to transfer balances from any other credit card to their Tata Card at low rates of interest and pay back in EMIs.

    Q 2. How can I avail BT on EMI service?

    You can book BT on EMI in 2 simple ways as per your convenience:

    • Log in to your Tata Card online account
      • Click on the ‘Benefits’ link on left hand navigation and select ‘Balance Transfer on EMI’
      • Enter details & confirm to book BT on EMI instantly
    • Call up our Tata Card helpline at 3902 3456 (prefix local STD code) /1800 180 8282 (from BSNL/MTNL lines)

    Q 3. What are the plans available for BT on EMI?

    Currently there are two plans available for BT on EMI:

    TenureRate of InterestProcessing Fee
    3 months 0.50*% per month 1.5% or Rs. 199
    (whichever is higher)
    6 months 0.75*% per month 1.5% or Rs. 199
    (whichever is higher)

    *These are flat rates of interest and translate into 0.75% per month and 1.27% per month reducing rates respectively. For further information pls refer Terms & Conditions.

    Q 4. Can I book BT on EMI on my other Tata Card?

    No, you cannot book BT on EMI on another Tata Card that you hold.

    Q 5. For which cards can I avail BT on EMI?

    You can avail balance transfer for all credit cards, issued by different banks in India.

    Q 6. What is the amount of Balance Transfer I can avail with BT on EMI service?

    BT on EMI can be booked for a minimum amount of Rs. 5,000 to a maximum of 75% of available credit limit. Your maximum limit available for BT on EMI booking will be communicated to you at the time of booking.

    Q 7. How will the amount of BT on EMI booked be transferred?

    For BT on EMI booked for VISA credit cards, the amount will be transferred online. For all credit cards other than Visa, you will receive a cheque.

    Q 8. I have recently changed my address; can I book BT on EMI?

    Yes, you can request for Balance Transfer on EMI even if there is a change in address. However, your BT on EMI booking request will be processed only after the new address has been successfully verified. If the verification check is unsuccessful, your BT booking request will not be processed.

    Q 09. Can I book BT on EMI on my Add-on card?

    No. BT on EMI can only be booked on a primary card.

    Q 10. Can I book BT on EMI on my Tata Card for my friends’ or relatives’ credit cards from other banks?

    No, BT on EMI can only be booked on a primary card.

    Q 11. Can I repay the amount due before the EMI tenure ends?

    Yes. You can repay the amount before the EMI tenure ends. There is a fee of 3% on the outstanding principal + GST will be charged.

    Q 12. What is the cancelation procedure for BT on EMI?

    You can call the Tata Card helpline on the below mentioned numbers in order to cancel your BT on EMI booking:
    From all phones: 3902 3456  prefix local STD code
    From BSNL/MTNL lines: 1800 180 8282

    If you cancel the BT on EMI booked within 45 days of booking, then all the fees and interest charged by SBICPSL along with BT on EMI amount will be reversed. Fees and charges will not be reversed if the cancellation takes place after 45 days. Please note, the charges will not be reversed once the cheque has been encashed by you.

    Q 13. Is the cancellation process same for all the other bank cards?

    If you have booked the BT on EMI for a VISA credit card and the amount has been transferred online through Visa Money Transfer (VMT), the BT on EMI once booked cannot be cancelled. In case the BT on EMI has been booked for a credit card other than VISA and the amount has been transferred through cheque, you can call the Tata Card helpline to cancel your BT on EMI booking.

  • Flexipay

    Q 1. What is Flexipay?

    Flexipay is a facility offered to existing Tata credit cardholders to convert their big purchases into easy monthly instalments. Any Tata Card holder, with a transaction greater than Rs. 2,500 can convert the said transaction into Flexipay within 30 days. Please note delinquent or blocked card holders would not be able to avail this service.

    Q 2. How can I book Flexipay?

    You can convert your transaction into Flexipay instantly in 2 simple ways:

    • Log on to your Tata Card online account
      • Click on ‘Flexipay’ under the Benefits section on the left hand navigation
      • Select the transaction(s) > Rs. 2500 you want to convert into Flexipay, select the tenure and rate of interest and confirm the booking
    • Call the Tata Card helpline to book Flexipay
      • 3902 3456 (prefix local STD code)
      • 1800 180 8282  (for BSNL/MTNL lines)

    Your request to convert your transactions into Flexipay will be processed within 5 working days. We will also send you a confirmation SMS on your registered mobile number.

    Q 3. Can I convert all my card transactions into Flexipay?

    You can convert transactions that meet the following criteria:

    • Retail purchases done using your Tata Credit Card
    • Transactions that were done within last 30 days
    • Transactions, whose value is greater than Rs. 2,500
    • Multiple retail transactions, whose value is greater than Rs. 2,500 can be converted into a single Flexipay plan
    • Transactions settled by the merchant, from whom you have made a purchase, using your Tata Card

    You cannot convert the following to Flexipay:

    • Interest, fees or any other charges levied on your card
    • Gold purchases, including jewelry transactions cannot be converted to Flexipay, as per the guidelines issued by the Reserve Bank of India

    Q 4. What is the minimum booking amount for Flexipay?

    The minimum booking amount for Flexipay is Rs. 2,500. This may vary in case of specific offers.

    Q 5. What is the interest rate applicable for Flexipay?

    The interest rate applicable on Flexipay might vary from offer to offer and time to time. You can visit our website or call Tata Card helpline to know about the Flexipay rates .

    Q 6. Are there any processing charges for booking Flexipay?

    Yes, you need to pay a processing fee of 2% of the amount converted to Flexipay, subject to a minimum of Rs. 199 and a maximum of Rs. 1,000 + corresponding GST.

    Q 7. What are the different tenures available for booking Flexipay?

    Flexipay can be booked for a period of 6, 9, 12 or 24 months. 36 months tenure is also available, however it can only be availed for booking amount greater than or equal to Rs. 30,000.

    Q 8. How do I know how much Flexipay amount I can book?

    Flexipay can be booked for a minimum amount of Rs. 2,500. The maximum amount would be determined by your retail balance and the available credit limit at the time of booking.

    Please call up Tata Card helpline for more details.

    Q 9. I am an add-on cardholder. Can I book Flexipay on my card?

    No, Flexipay can only be booked on a primary card.

    Q 10. How and when would the Flexipay installment be billed?

    Flexipay installments would be billed as a part of the monthly card statement. The first installment would reflect in the first card statement generated after you have booked Flexipay.

    Q 11. Can I cancel or pre-close my Flexipay request?

    You can place a request for cancellation by calling the Tata Card helpline. If the cancellation request is placed within 45 days of booking, no charges would be levied on the card account.

    In the event of cancellation request being placed post 45 days of booking, a cancellation fee of 3% of the outstanding principal would be levied on the account.

    If you wish to fore-close the Flexipay booking done by you before the completion of the tenure, the outstanding principal amount would be moved to retail plan and a fore-closure fee of 3% of the outstanding principal would be levied on your Tata Card.

  • Encash

    Q 1. What is Encash?

    Encash is a pre-approved, money- on- demand facility, which is offered to a select set of Tata credit cardholders. The Encash amount that a cardholder would be eligible for can be over and above the existing credit limit or within the existing credit limit on the card. The mode of disbursement of the funds is through a payable-at-par cheque.

    Q 2. How can I book Encash?

    You can request for Encash instantly in 2 simple ways:

    • Log on to tatacard.com using your Tata card Online user ID and password
      • If you are eligible for Encash, you will see an "Encash" link under the Benefits section on the left hand navigation
      • Click on the link and enter the amount you wish to book Encash for, select the tenure and rate of interest and confirm the booking
    • Call the Tata Card helpline to check if you are eligible for Encash and book it
      • 3902 3456 (prefix local STD code)
      • 1800 180 8282  (for BSNL/MTNL lines)

    Your request for Encash will be processed within 3 working days for Metro locations and 5 working days for all other locations. We will also send you a confirmation SMS on your registered mobile number.

    Q 3. What is the minimum and maximum booking amount for Encash?

    The minimum booking amount for Encash is Rs. 10,000, which may vary in case of specific offers. The maximum booking amount is based on the offer on your account.

    Q 4. What is the interest rate applicable for Encash?

    You can log in to your Tata Card online account to check the applicable interest rate on your pre-approved Encash offer. You may also call the Tata Card helpline to get this information. Please note, the interest rates may vary with respect to time and offers.

    Q 5. Are there any processing charges for booking Encash?

    At the time of booking, a processing fee of 2% of the Encash amount will be charged. The processing fee can be a minimum of Rs. 499 up to a maximum of Rs. 3,000. GST would be charged extra on this amount.

    Q 6. What are the different tenures available for booking Encash?

    You can book Encash for a period of 12, 24, 36 or 48 months. The available tenures may vary with respect to time and offers. Log in to tatacard.com to know the tenure applicable to the offer on your account.

    Q 7. How will the Encash amount be disbursed to me?

    Your Encash amount will be disbursed to you through a payable-at-par cheque in your name, which would be sent to your registered address.

    Q 8. How much time will it take for the instrument to get delivered?

    The Encash cheque would ideally be delivered in 3 working days for metro locations and in 5 working days for non-metro locations.

    Q 9. I am an Add-on cardholder; can I apply for Encash on my card?

    No,Easy Money can only be booked on a primary card.

    Q 10. How and when would the Encash installment be billed?

    Encash installments would be billed as a part of the monthly card statement. The first installment would reflect in the first card statement that will be generated after your Encash booking.

    Q 11. Can I cancel or pre-close my Encash request?

    You can place a request for cancellation of your Encash booking by calling the Tata Card helpline. If the cancellation request is placed within 45 days of booking, no charges would be levied on your Tata Card account.

    In the event of the cancellation request being placed post 45 days of booking, or if the Encash cheque or instrument has been banked, a cancellation fee of 3% of the outstanding principal would be levied on the account.

    If you wish to fore-close your Encash booking before the completion of the tenure, the outstanding principal amount would be moved to a retail plan and a foreclosure fee of 3% of the outstanding principal would be levied on your Tata Card.

  • Easy Money

    Q 1. What is Easy Money?

    Easy Money facility on Tata Card empowers the cardholders to avail funds for short term at low rate of interest. The funds get delivered at your doorstep in the form of a cheque.

    Q 2. How can I book Easy Money?

    You can book Easy Money in 2 simple ways:

    • Log in to your Tata Card online account
      • Click on the ‘Benefits’ link on the left hand navigation and select ‘Easy Money’
      • Enter details and confirm to book Easy Money instantly
    • Call up our Tata Card helpline at 3902 3456 (prefix local STD code) / 1800 180 8282 (from BSNL/MTNL lines)

    Q 3. What are the plans available for Easy Money?

    Currently, there is only 1 plan available for Easy Money:

    TenureRate of InterestProcessing Fee
    45 days 2.45% per month 1.5% or Rs. 199
    (whichever is higher)

    Q 4. How much money can I avail using this facility?

    Easy Money can be booked for a minimum amount of Rs. 5,000 to a maximum of up to 75% of your available cash limit.

    Q 5. Can I ask for a cheque or NEFT transfer for the Easy Money amount?

    Currently, you can only get a cheque for the amount booked using Easy Money facility.

    Q 6. I have recently changed my address; can I book Easy Money?

    Yes, you can request for Easy Money even if there is a change in address. However, your Easy Money booking request will be processed only after the new address has been successfully verified. If the verification check is unsuccessful, your Easy Money booking request will not be processed.

    Q 7. I am an add-on cardholder; can I book Easy Money on my card?

    No. Easy Money can only be booked on a primary card.

    Q 8. I have already taken Easy Money for the amount that I was eligible for and now I want to book another Easy Money, how can I do it?

    If you have already booked Easy Money for maximum eligible amount, you can book Easy Money only after you have paid back the amount of Easy Money booked in parts or full OR your cash limit gets extended. If you repay the Easy Money booked in parts, you can book another Easy Money for this amount (Please refer to the Order of Payment Settlement to understand how the amount paid by you against your Tata Card outstanding is settled). Do note that at any given point in time, Easy Money booking on your account cannot exceed 75% of your available Cash Limit.

    Q 9. What is the cancellation procedure for Easy Money?

    You can call the Tata Card helpline on the below mentioned numbers in order to cancel your Easy Money booking:
    From all phones: 3902 3456 prefix local STD code
    From BSNL/MTNL lines: 1800 180 8282

    If you cancel the Easy Money booked within 45 days of booking, then all the fees and interest charged by SBICPSL along with Easy Money amount will be reversed. Fees and charges will not be reversed if the cancellation takes place after 45 days. Please note, the charges will not be reversed once the cheque has been encashed by you.

  • Card Protection Plan

    Q 1. Who/ what is CPP?

    CPP is India’s first comprehensive card protection company, which covers the customer’s card in the event of card loss or stolen. CPP India is a subsidiary of CPP group headquartered in UK.

    Q 2. How can I contact CPP?

    You can contact us by calling the following contact numbers:

    • 6000-4000 (prefix city STD code)
    • 1800 419 4000 (toll-free)

    Q 3. What do I do if my cards are lost or stolen?

    Simply call 6000-4000 ( prefix city STD code) and inform us about the cards that are missing. We will coordinate with banks and block all your missing cards.

    Q 4. Which lost or stolen cards will be blocked?

    All your lost or stolen debit or credit or ATM cards of all banks or card issuers issued in India will be blocked.

    Q 5. What is the registration process?

    After paying the fee, CPP will dispatch a welcome kit to you with your unique membership number on the same. There will also be a registration form that you need to fill and send back to CPP. Alternatively, you can call up CPP call centre to register your cards and documents.

    Q 6. Why should I get my Driving License & Passport Number registered?

    In case you need your DL or Passport card number & you are not carrying them so just call us and we will provide you the required numbers.

    Q 7. Why do need to register all my financial cards?

    In case you lose all your cards, it will be easier for you and us to get the cards blocked ASAP.

    Q 8. Does CPP cover my unregistered cards as well?

    Yes, all registered and unregistered card under your name are covered under CPP membership.

    Q 9. Do I have to repay the emergency travel assistance?

    Yes, within 28 days.

    Q 10. Do I have to pay any interest charges for advances in emergency travel assistance?

    No, advances don’t attract any interest fee.

    Q 11. I have lost all my cash along with my cards, and I don't have any cash with me. Can I get help?

    Yes, CPP can help you in this emergency. Just call us on our 24 X 7 helpline numbers 1800-419-4000 or 6000-4000 (affix STD code) and we will facilitate an emergency cash advance of up to Rs. 20,000.

    Q 12. How many cards can I register with CPP? How many cards can be blocked?

    You can register all credit/debit cards with CPP that you hold. Also in event of loss, and should you want to block all of them, we will block all of them. There is no upper limit on card registration.

    Q 13. In how much time will my claim be processed once I sent the documents?

    Within 15 working days Insurance Company will approve/reject the claim & within 7 days we will send you the cheque (in case the claim is approved).

    Q 14. What happens if I do not send the required documents within 74 days of reporting the fraud?

    The claim will be cancelled.

    Q 15. What is the coverage scope of CPP membership – Is it only in India?

    All your features of card protection (except emergency cash) are provided whether you are in India or abroad.

    Q 16. What do I do if I lose my PAN card along with my other cards?

    In case your PAN card is lost along with your cards and cash, we will facilitate free replacement of your PAN Card. All you need to do is send your necessary documents to us to coordinate on your behalf. This service is provided free of cost to you.

  • TATA Card Online

    Q1. How can I access the new Tata Card website? Do I need a new username and password for the new website?

    The process of logging in to the new Tata Card website remains unchanged. You can use your existing Tata Card online user id & password to manage your Tata Card account online.

    Q2. How can I get a username and password to access my Tata Card account?

    In order to access your Tata Card online account, you need to register with tatacard.com. Follow these simple steps to register:

    If you do not have a user ID, click here to register in 4 simple steps:

    • Go to tatacard.com and click on ‘First time user’ link
    • Enter your Tata Card no., CVV no. & Date of Birth
    • Your One Time Password (OTP) will be sent on your registered mobile no. & e-mail id. This OTP is valid for 30 min. or one successful usage
    • Enter your OTP correctly to set your user id & password and complete the registration process

    Q3. I have started the registration process and entered my card details incorrectly, 5 times in succession. Now my account is locked. What does this mean?

    This means that your account has been locked, for your own security, from making any more attempts to register on Tata Card website to create your Tata Card online user id & password. However, you can continue to use your Tata Card for transactions. To get your Tata Card online account unlocked and complete the registration process, please call the Tata Card helpline.

    Q4. I have started the registration process but have not received the OTP yet?

    Please ensure that your mobile no. & e-mail id is correctly registered with us. If your details are updated, you may be facing some network issue on your mobile phone connection. Please click on ‘Re-send OTP’ link on the screen to have the OTP re-sent to you.

    Q5. I have received an SMS and email informing me that I have registered successfully online or I have successfully reset my credentials. However, I have not taken any action on my account. What do I do?

    If you receive any SMS or email, informing you about any activity on your tatacard.com account, which you have not performed, then you must call Tata Card helpline immediately and bring it to our notice. You can call Tata Card helpline at:

    • 3902 3456 (prefix local STD code)
    • 1800 180 8282 (from BSNL/MTNL lines)

    Q6. I have forgotten my user ID or password for my Tata Card online account. What do I do now?

    If you have forgotten your Tata Card online user ID or password, you can retrieve the same by following the process given below:

    • Go to tatacard.com and click on ‘Forgot User id/ Password’ link
    • Enter your Tata Credit Card number, CVV number and date of birth. A One Time Password (OTP) is sent on your registered mobile number and email ID. This OTP is valid for either 30 min. or one successful usage
    • Enter your OTP correctly to retrieve your user ID that has been registered on your account
    • If you remember your password, continue to ‘Log in’ or ‘Reset your password’ to continue using your online account on tatacard.com

    Q7. I have entered my User id and/ or password incorrectly 5 times and now my account has been locked. What do I do now?

    Your account has been locked, for your own security, from making any more attempts to log on to your Tata Card online account. However, you can continue to use your card for transactions.

    You can unlock your account instantly by clicking on ‘Unlock Account’ link (that appears on the screen when your account gets locked) and following 4 simple steps-

    • Click on the ‘Unlock your account’ link on the screen.
    • Enter your Tata Credit Card number, CVV number and date of birth A One Time Password (OTP) will be sent on your registered mobile number and email ID. This OTP is valid for either 30 min. or one successful usage.
    • Enter your OTP correctly to retrieve your user ID that has been registered on your account
    • If you remember your password, continue to ‘Log in’ or ‘Reset your password’ to continue using your online account on tatacard.com

    Additionally, you can call the Tata Card helpline at 3902 3456 (prefix local STD code) to get your account unlocked.

    Q8. What are the features or services available on tatacard.com?

    With tatacard.com, you can avail the below services:

    Do More -

    • Subscribe to e-statements and request for duplicate statements
    • Request for an Add-on cards
    • Block your lost or stolen cards and request for a card replacement or reissue
    • Check status of service requests raised by you through any channel- website, call-centre, or IVR
    • Book Balance Transfer on EMI, Encash, Easy money or convert your transaction into Flexipay
    • Pay your Tata Card outstanding Online
    • Redeem your Reward Points

    View More -

    • Account summary as on date
    • Card statement for the last 24 months
    • Payment History and status of payments made against your Tata Card outstanding
    • Transaction history for the last 24 months
    • Exclusive offers on your Tata Card account

    Manage More -

    • Analyse where you spend on your Tata Card and manage your Tata Card better with Spend Analyser
    • View spends and transactions done on your Add-on Cards
    • Generate or reset PIN on your primary and Add-on cards, instantly
    • Update your contact details and address instantly and manage your address for correspondence
    • Manage your utility bill payments with Tata Card

    Q9. How secure is tatacard.com?

    For us, the safety of your transaction and other details is of paramount importance. We follow a strong password and online security policy to ensure the same.

    - We have 256 bit Secure Sockets Layer (SSL) encryption technology to secure your Tata Card online activities

    - You can check the Security Certificate by clicking on the padlock icon that appears with the URL in the browser bar when you type the URL.

    - Once you have registered for Tata Card online account, your password is not generated immediately but a One Time Password (OTP) is sent across to your registered email ID and mobile number. You can access your account the first time, using that OTP as the password and reset your password subsequently.

    - When selecting the password, we prompt you to choose a password that is difficult enough to be tracked or guessed. Our password policy ensures that your password consists of,

    • a minimum length of 8 characters
    • a minimum of 1 alphabet [a-z or A-Z]
    • a minimum of 2 numbers which must be embedded i.e. the number cannot be the first or last character of the password

    Your password should not contain the username, or the username in reverse and allow but not enforce the use of Special characters [@,-,_,Space,]) and uppercase alphabets [A-Z].

    • - On the basis of character combination you have opted for, we also indicate how strong or weak your password is.
    • - The system does not allow you to recreate any of the last ten passwords.
    • - You should try using Virtual Keyboard as an additional security measure.
    • - The Tata Card online account gets automatically locked if incorrect password is typed 3 times in succession.
    • - The Tata Card online account gets automatically logged off after an inactive period of 7 minutes.
    • - When you log in to your Tata Card online account, your last log in date and time is displayed in the header bar so you can check your account for any unauthorised activity.
    • - We only display the last 4 digits of your Tata Credit Card number while communicating with you to ensure any unauthorised usage of your card.
  • Simply SMS

    Q 1. What is Simply SMS?

    The Simply SMS facility lets you receive information related to your Tata Card in an SMS. You only need to SMS KEYWORD (specified for your query) XXXX where XXXX = Last 4 digits of your Tata Card number to the short-code 5676791 from your registered mobile number.

    Q 2. What are the kinds of services I can avail through the Simply SMS?

    The services that you can avail through Simply SMS are listed below, along with the keywords you need to use:

    • Balance enquiry: SMS BAL XXXX
    • Available credit and cash limit: SMS AVAIL XXXX
    • Block lost or stolen card: SMS BLOCK XXXX
    • Reward point summary: SMS REWARD XXXX
    • Last payment status: SMS PAYMENT XXXX
    • Request for duplicate statement (last 6 statements): SMS DSTMT XXXX MM, where MM is the month for which you need the duplicate statement. E.g. if you need statement for the month of March and last four digits of your card are 1234, you will send an SMS- DSTMT 1234 03 to 5676791Subscribe to E-statement: SMS ESTMT XXXX
    • Request for One Time Password (OTP) for IVR or mobile transactions: SMS OTP XXXX
    • To know the services available on Simply SMS and their respective keywords: SMS HELP

    XXXX refers to the last 4 digits of your Tata Card number.

    Please note, for every SMS request that you send to 5676791, there is a premium charge applicable. This amount goes to your telephone operator and the SMS provider. Tata Card does not charge you anything for this service. Please check with your operator to know more about the charges levied for this service.

    Q 3. Do I need GPRS to access the Simply SMS service?

    No, you do not need a GPRS connection to use this service. You can avail this service from all mobile phones using the standard SMS service.

    Q 4. Can I avail this service from any mobile number?

    No, you cannot avail this service from any mobile number. To use this service, you must send your SMS only from the mobile number registered with us, against your Tata Card.

    You can update your mobile number in 2 simple ways:

    • Through our website, tatacard.com
      • Step 1: Logon to tatacard.com with your username and password.
      • Step 2: Go to ‘My Profile’ section on left hand navigation bar, under welcome message. A contact tab will appear with prepopulated email ID and mobile number section.
      • Step 3: Click on ‘Edit’ link on the tab.
      • Step 4: Enter the new mobile number and click on ‘Generate OTP’. A One Time Password (OTP) will be sent to you on your currently registered old mobile number.
      • Step 5: Enter the OTP and click on ‘Update’. Your mobile number will be instantly updated.
    • Call the Tata Card helpline, and place a request to register or update your mobile number
      You can call Tata Card on:
      • 39 02 34 56 (prefix local STD code)
      • 1800 180 8282 (from BSNL/MTNL lines)
    • For Tata Card helpline support, please call on:
      • 39 02 34 56 (prefix local STD code) 1800 180 8282 (from BSNL/MTNL lines)

    Q 5. I have just received my upgraded Tata Card. Can I still fetch information about my old card?

    If you have upgraded your Tata Card, all details of your old card would have been migrated to your new card. You need to SMS query-specific KEYWORD XXXX, where XXXX will be last 4 digits of your new Tata Card.

    Q 6. How soon can my card be blocked once I send the request through Simply SMS?

    We will block your card, the moment we receive your card block request through SMS. We will also send you a confirmation SMS about the same. If you do not receive a confirmation SMS from us within 5 minutes of your request, please do not consider the card to have been blocked. Please call up our helpline, and get your card blocked immediately in order to avoid any misuse.

  • IVR One Time Password (OTP)

    Q 1. What is an IVR transaction?

    Interactive Voice Response i.e. IVR transactions are transactions that you carry out over the telephone where you provide your Credit Card number on an automated system to make a payment to a vendor for purchase of goods, services etc. e.g Account recharge on TATA SKY helpline.

    Q 2. Is this new mandate applicable only for IVR transactions?

    No. The mandate is applicable for both IVR transactions as well as transactions done using your mobile phone through applications like Ngpay or mChek e.g. buying movie tickets via ngpay. Hence, you will need to generate this IVR One Time password (OTP) even when you are shopping through your mobile.

    Q 3. How do I get an OTP for any IVR or mobile transactions on my Tata Card?

    You will need to generate the IVR One Time Password (OTP) every time you want to transact through an IVR or mobile. You can generate the IVR OTP by any of the following 3 ways-

    • SMS ‘OTP space XXXX’ to 5676791 from your registered mobile number. XXXX = Last 4 digits of your Tata Card
    • Log on to our website - tatacard.com using your user ID and password
    • Call our OTP Helpline at 1800 180 8282 

    The IVR One Time Password (OTP) is a 6 digit numeric password that will be sent on your registered mobile number instantly. You can then use this OTP to make a payment over IVR or mobile using your Tata Card.

    Q 4. How do I use an IVR One Time Password?

    You would be required to enter your IVR One Time Password (OTP), in addition to your Tata Card no., CVV and expiry date, when prompted by the merchant IVR for IVR transactions and by the mobile application during transactions done through your mobile phone.

    Q 5. For how long is an IVR OTP valid?

    An OTP generated once is valid only for one successful transaction or 30 minutes, whichever is earlier. You will need to generate a new OTP for every new transaction.

    Q 6. What happens if I input a wrong OTP?

    You can make 3 attempts to successfully use any OTP generated on your Tata Card. In case of 3 unsuccessful attempts, you will have to regenerate a new OTP and restart the transaction.

  • Rewards Redemption

    Q 1. What is the process of earning Reward Points on a card? How many points do I earn per transaction?

    The ways to earn Reward Points and the number of points per transaction depend on the type of card you own. To know the Reward Point offered by different cards, please visit our Credit Card page that lists down the benefits and privileges offered by different Tata Cards.

    Q 2. How can I check the reward point balance?

    There are 3 ways you can check your Reward Points on an Tata Card:

    • Log on to your Tata Card Online account on tatacard.com & view your reward summary
    • SMS REWARD XXXX to 5676791 from your registered mobile number where XXXX= last 4 digits of your Tata Card no
    • Your latest credit card statement carries information on how many Reward Points you have as on the statement date

    Q 3. Can I add the reward points I have on multiple cards or transfer them from one card account to another?

    No, you cannot add or transfer your Reward Points from one Tata Card to another. Reward points can be redeemed only on Tata Card on which they have been earned.

    Q 4. Do the Reward Points accrued on my card expire?

    Points accumulated that are not redeemed by the Cardholder for rewards within 12 months of his / her Enrolment Date can be carried over for another Enrolment Year. Any Points not used by the end of second such year after Enrolment shall lapse and be forfeited.

    You can know the no. of Reward Points that are expiring in a particular month by logging on to tatacard.com . This information is also mentioned in your monthly statement.

    Q 5. Can I redeem my reward points once my Tata Card is closed?

    No, you cannot redeem your reward points after the closure of your card account.

    Q 6. How much is an Empower Point worth?

    Each Empower Point is worth Re 1 For every Rs 100 spent on Tata Card, you get assured earning of 1 Empower Point and upto 5% value back.

    Q 7. How Can I maximize the benefits with my Tata Card?

    You can earn accelerated Empower Points when you shop at any of the Tata Partner Outlets including Croma, Starbazaar, Westside, Taj, etc. using Tata Card. Eg. For purchases made at Croma you earn 2 points for every Rs 100 spent, similarly at Westside you earn 5 points for every Rs 100 spent.

    Q 8. How Do I redeem my Empower Points?

    You can redeem your Empower Points at any participating Tata brand outlet. Pick a product or products of your choice, present your Tata Card and redeem the points instantly. Please swipe your Tata Card only on a Tata EDC machine for redemption of Empower Points.

  • NEFT Payment

    Q 1. What is NEFT?

    National Electronic Funds Transfer (NEFT) is a service that facilitates the electronic transfer of funds from any bank account to Tata Card. You can use this service to pay your Tata Card outstanding through any bank account that allows NEFT.

    Q 2. Do all the bank branches in the country offer NEFT funds transfer facility?

    To become a part of the NEFT funds transfer network, a bank branch has to be NEFT-enabled. Currently, about 99 banks offer NEFT facility.

    Q 3. How can I know if my bank is a part of NEFT network?

    You can get the list of bank branches that are a part of NEFT funds transfer network on the website of Reserve Bank of India,

    You can also log on to your bank’s website to check if your bank allows NEFT.

    Q 4. How can I know if I am eligible to use NEFT service to pay my Tata Card dues?

    If you maintain any bank account and have an active third party transfer under net banking, you can pay your dues using NEFT facility.

    Q 5. How can I pay my Tata Card outstanding using NEFT?

    • Step 1: Log in to the net banking facility of your bank. Add Tata Card as a beneficiary, under third party transfer.
    • Step 2: Add the IFSC code SBIN00CARDS for making Tata Card payment.
    • Step 3: Enter your 16-digit Tata Card number in place of account number on the banking page.
    • Step 4: Fill Bank name as SBI CREDIT CARD - NEFT
    • Step 5: Fill Bank Address as PAYMENT SYSTEMS GROUP, STATE BANK GITC, CBD BELAPUR, NAVI MUMBAI.
    • Step 6: Click submit button to complete your registration process. You can now pay your Tata Card outstanding through your bank account every month.
      Payment will reflect within 3 banking hrs. in your Tata Credit Card account.

    NOTE:- Payments made till 3:30 pm via NEFT payment mode, will get credited within 3 banking hours, same day.


    Q 6. Is there any limit on the amount that could be transferred through NEFT?

    There is no limit, on the amount of funds that you can transfer, using the NEFT facility.

    Q 7. What is IFSC?

    IFSC or Indian Financial System Code is an 11 digit alpha-numeric code that uniquely identifies a bank-branch participating in the NEFT system. IFSC for Tata Card is SBIN00CARDS.

    Q 8. What if the customer provides a wrong IFSC?

    The payment is transferred to the branch, whose IFSC has been provided. If you have used a wrong IFSC, the payment will get transferred to that branch. You will then need to contact the respective branch and settle the matter mutually.

    Q 9. How long will it to take for NEFT payment to reflect in my Tata Card account?

    Your payment amount will be credited to your Tata Card account within 3 banking hrs.

    Q 10. What are the processing or service charges levied on NEFT transactions?

    The charges applicable on this service are based on the rules and regulations of your bank. There are no uniform charges that are applied for NEFT transactions.

  • Paynet - Pay Online

    Q 1. What is Paynet?

    Paynet is your one stop destination to make Tata Card payment from more than 50 banks across India.

    Q 2. How do I make payment using Paynet?

    You can pay your Tata Card outstanding using Paynet by clicking here.

    Alternatively, if you are logged on to your Tata Card online account and are accessing the Paynet link, you will be securely re-directed to the Paynet site where your credit card number & the outstanding details will be auto-populated to make your life simple and ease the payment process.

    Q 3. Will I get a confirmation on successful transaction?

    After you have made the payment, an acknowledgement message will appear on your screen, displaying the status of your transaction. In case of a successful transaction, the screen displays ‘Success’, and for a failed transaction it shows ‘Failure’.

    Also, a transaction reference number appears on the acknowledgement message, which you can save and quote for the transaction related queries. Additionally, you will get an e-mail & SMS acknowledgement to the provided email ID & mobile number, while making the payment.

    Q 4. What should I do, if I’ve entered the wrong Credit Card number?

    It is recommended that you always check the Credit card number before authorizing the payment.

    However, if you have still entered a wrong credit card number and the payment is made to that card, we recommend you to call our Tata Card helpline at the earliest.
    3902 3456 (prefix local STD code)
    1800 180 8282 (for BSNL/MTNL lines)

    Q 5. How long does it take for the payment to reflect in my Tata Card account?

    It takes maximum of 2 working days for the payment to reflect in your Tata Card account.

    Q 6. If the bank I would like to make the payment from does not feature in the list, what should I do?

    You can still make the payment through your bank account using your bank’s NEFT facility. The IFSC code of Tata Card is SBIN00CARDS. Please click here to read more about the NEFT service.

  • Online SBI

    Q 1. What is Online SBI?

    If you have a State Bank of India savings or current account, you can log on to the internet banking service provided by State Bank of India at onlinesbi.com to pay your Tata Card outstanding.

    Q 2. How do I register my Tata Card for bill payment via Online SBI?

    You can register your Tata Card on Online SBI as a biller in 5 simple steps-

    • Step 1: Log in to onlineSBI.com, using your net banking user ID and password.
    • Step 2: Click on ‘Bill Payments’ and go to the ‘Manage Biller’ section
    • Step 3: Select the ‘Add’ option in the ‘Manage Biller’ section and click on all India billers to select ‘SBI Cards and Payment Services Pvt. Lli.’ as the biller.
    • Step 4: Register your biller details by entering your name and credit card number and click ‘Submit’.
      You will receive an SMS carrying a One Time Password (OTP) on your registered mobile number.
    • Step 5: Enter the OTP and approve your biller details.
      You have now successfully registered your credit card on the website

    Q 3. I have registered my Tata Card on OnlineSBI. How can I make my Tata Card payment now?

    Once you have registered your Tata Card as a biller on Online SBI, you can make your monthly credit card payments in 4 simple steps-
    Enter payment amount and click on ‘Pay Now’. Click on submit to confirm your transaction and follow the instructions. Your payment is now done.

    • Step 1: Log in to onlineSBI.com & Click on view/pay bills section and click on ‘Without Bills’.
    • Step 2: Select Tata Card as the biller and click on Pay
    • Step 3: Choose the Tata account number from which the payment is to be made

    Q 4. What does ‘Without bills’ mean while making Tata Card payment on OnlineSBI?

    This means that when your Tata Card statement is generated, the statement details are not automatically linked to your SBI bank account. Instead, the user needs to check his outstanding balance on tatacard.com and enter the amount due manually on OnlineSBI everytime while authorising the payment.

    Q 5. How long does it take for the payment made via OnlineSBI to reflect in my Tata Card account?

    It takes 3 working days for the payment to start reflecting in your Tata Card account.

  • SBI Mobile Banking

    Q 1. How can I pay my Tata Card dues through my mobile phone?

    If you are a State Bank of India Savings or Current account holder, you can download SBI’s mobile banking application- SBI Freedom on your phone and pay your Tata Card outstanding through your SBI bank account. This service is easy to use & safe and empowers you to pay your Tata Card dues at your own convenience.

    Q 2. Which operating systems are capable of downloading the State Bank of India mobile application?

    The SBI Freedom mobile banking application is available for JAVA, Blackberry, Android, iPhones and Windows mobile phones. The service can also be availed via Wireless Application Protocol (WAP) on all phones with General Packet Radio Service (GPRS) connection

    Q 3. What are the details that need to be mentioned while making the Tata Card bill payment using mobile banking?

    If you are using SBI Freedom to pay your Tata Card dues , you need to provide the following details:

    • Biller Name: SBICARD
    • Location: National
    • Biller ID: SBICARD
    • Category: Card
      Sub-category: Card
    • Type of biller, as biller, payee or both: Payee
    • Company ID: Your 16-digit Tata Card number.

    Q 4. By when will the payment made via SBI Freedom reflect in my Tata Card account?

    The payment will be credited to your Tata Card account within 2 working days from the time of transaction.

  • Electronic Bill Payment

    Q 1. What is Electronic Bill Payment?

    Electronic Bill Payment is a mode of online payment that allows you to make your Tata Card outstanding payments online, directly from your bank account through bill pay service of your bank’s netbanking, ATM or mobile.

    Q 2. Which banks are covered under the Electronic Bill Payment option?

    This service is currently available with the State Bank of India, Indian Overseas Bank, Citibank and Bank of India.

    Q 3. How can I pay through Electronic Bill Payment option?

    You can pay your bills using Electronic Bill Payment option in 4 simple steps:

    • Step 1: Go to the online banking page of your bank, from which you wish to make the payment and login to your account, using your username and password.
    • Step 2: Go to the add biller section and add ‘SBI Card’ as a biller.
    • Step 3: Please fill in the details of your credit card number, for which you wish to make payment.
    • Step 4: Check the details and click on submit to make the payment.

    Q 4. How long will it take for the amount to be credited to my Tata Card account?

    The payment will reflect within 3 working days in your Tata Card account.

  • National Automatic Clearing House

    Q 1. What is National Automatic Clearing House?

    National Automated Clearing House or NACH is an electronic mode of funds transfer from your bank account to your TATA Card account. Now there is no need to issue a cheque every month to pay your TATA Card dues. You can set NACH limit for TATA Card, by which the chosen amount will be deducted directly from your bank account every month in favor of TATA Card. The amount will be credited to your card account on the payment due date.

    Q 2. How can I set up the NACH?

    You can set up NACH to pay your Tata Card outstanding in 4 simple steps-

    • Step 1: Click here to download the NACH form.
    • Step 2: Print the form and fill in the required details.

    The mandatory fields are mentioned below for your reference:

    • Card No
    • MICR Code
    • Payment Debit type
    • Bank account no
    • Bank name
    • IFSC code or MICR code
    • Debit amount
    • Frequency
    • Debit type
    • Reference No1 (CARD NO)
    • Period From, to or until cancelled.
    • Signature with name (Reference 1)

    Step 3: Send the completed form along with a cancelled cheque to us at the following address:
    SBI Cards and Payment Services Private Limited
    P.O. Bag No.28, GPO, New Delhi – 110001

     

    Your NACH account will be set up and your chosen amount will be paid to TATA Card on your payment due date

  • SBI Auto Debit

    Q 1. What is SBI Auto Debit?

    This is a service which Auto Debit facilitates automatic payment of your Tata Card outstanding from your State Bank of India/ State Bank of India associate banks/Bank of Maharashtra account on the payment due date.

    After signing up for this facility, your bank account will be debited on the payment date and the amount will be credited to your Tata Card account. While setting up SBI Auto Debit, you can choose the payment amount as Total Amount Due (TAD) or Minimum Amount Due (MAD) as per your Tata Card monthly statement.

    Q 2. How can I sign up for Auto Debit service?

    To avail Auto Debit service, you have to download the Auto Debit activation form from Forms Central, get it verified by your bank branch and then send the physical copy to us on following address:

    SBI Cards & Payment Services Private Limited
    P.O. Bag No.28, GPO, New Delhi - 110001

    Q 3. How does SBI Auto Debit work?

    Under SBI Auto Debit service, on behalf of you we would present your payment transaction with your bank on your payment due date and subsequently the debit happen from your bank account.

    Q 4. What are the benefits of Auto Debit facility?

    Post applying for this this facility, you would no longer have to remember your monthly payment due date. All that you need to do is to make sure that there is a sufficient balance in your bank account, when the payment is due. Tata Card will debit your bank account and process the same to your Tata Credit Card automatically.

    Q 5. Who all can avail the SBI Auto Debit facility?

    To avail SBI Auto Debit facility, one needs to have a savings account in the State Bank of India (SBI), SBI associate banks or Bank of Maharashtra.

    Q 6. Are there any charges levied on the use of Auto Debit service?

    No, there are no charges on use of Auto Debit service.

    Q 7. If needed, can I cancel this facility whenever I want?

    Yes. In order to deactivate the Auto Debit facility, you will need to download an Auto Debit deactivation form from Forms Central, complete the same and send it to us at:

    SBI Cards & Payment Services Private Limited
    P.O. Bag No.28, GPO, New Delhi - 110001

    Q 8. What if my account does not have sufficient funds to cover the Auto Debit deduction?

    If your bank account does not have sufficient balance, the Auto Debit will not take place and you will have to pay your Tata Card outstanding through another payment option.

    Q 9. How long does it take for the payment debited through SBI Auto Debit to reflect in my Tata card account?

    The payment debited from your account through SBI Auto Debit would reflect in your Tata Card account on the same day as Payment due date.

  • Debit Card

    Q 1. Can I pay my Tata Card bills using any debit card?

    You can use debit cards of the following 6 banks to pay your Tata Card bills online.

    • Bank of Maharashtra Debit Card
    • Bank of India ATM-cum-Debit card
    • Canara Bank ATM-cum-Debit Card
    • State Bank of India ATM-cum-Debit Card
    • Citibank Debit Card
    • Indian Overseas ATM-cum-Debit Card

    Q 2. How can I make my Tata Card outstanding payment using my Debit Card?

    You can use your Debit Card to make your Tata Card outstanding payment in 3 simple steps-

    • Click here to pay your Tata Card outstanding
    • Select Debit Card as the payment option and select the bank whose Debit Card you wish to use for the payment
    • You will be re-directed to the selected bank’s site to complete the payment process

    Q 3. Will I get a confirmation on successful transaction?

    Yes, once you make your payment, an acknowledgment is displayed on your screen showing the status of your transaction.

    In case of a successful transaction, you will see a message of “Success” on the screen. Otherwise, you will be shown a “Failure” message. You will also find your transaction reference number in the message. Please note this number and quote the same in case of any transaction related queries.

    An email acknowledgement & SMS will be sent to your email ID & Mobile no , provided by you while making the payment.

    Q 4. What should I do, if the credit card number I have entered is wrong?

    Always cross-check all details before proceeding to the next step in the payment process. However, if you still make the payment to a wrong credit card number, we request you to call our customer care center at the earliest.

    You can call the Tata Card helpline at:

    • 3902 3456 (prefix local STD code)
    • 1800 180 8282 (for BSNL/MTNL lines)

    Q 5. How long does it take for the payment to be credited to my Tata Card account?

    It would take maximum 2 working days for the payment to reflect in your Tata Card account.

    Q 6. What should I do, if the bank from which I wish to make the payments does not feature in the list?

    You can still make the payment through your bank account using your bank’s NEFT facility. The IFSC code of Tata Card is SBIN00CARDS. Please click here to read more about the NEFT service.

  • Over the Counter Payment (OTC)

    Q 1. What are the payment instruments I can use for Over the Counter (OTC) payment of my Tata Card dues?

    You can pay through cash, SBI & SBI Associate Bank Cheques or transfer across any SBI & SBI Associate Bank branch in India.

    Q 2. Is there a separate pay-in slip for making Tata Card Payment?

    You can use the existing SBI pay-in slip for making the Tata Card payment. Just provide your 16 digit Tata Card number and the amount to be paid.

    Q 3. I have made an OTC payment for my Tata Card outstanding. By when will the payment reflect in my Tata Card account?

    Payment will reflect within 2 working days in your Tata credit card account..

    Q 4. Can the Tata Card payment be accepted in all branches?

    Yes, you can make the payments for your Tata Card at any branch of the State Bank of India and receive an instant acknowledgment receipt.

    Q 5. Is there any charge for using this service?

    For all the cash payments you make at SBI counters, you need to pay a charge of Rs. 100 along with the applicable service tax. You can only deposit a cash amount of up to Rs. 49,999 per transaction. You do not have to pay any charge for payments made through transfer or cheque, on the counter

    Q 6. If in a situation where I have a valid pay-in slip acknowledgement of the payment, but the payment has yet not been credited to my Tata Card account, what must I do?

    In such a case, we request you to contact the Tata Card helpline.

    • 3902 3456 (prefix local STD code)
    • 1800 180 8282 (for BSNL/MTNL lines)

    Our IVR and emergency services are available round the clock and you can contact our customer service representatives anytime from Monday to Saturday between 8 AM to 8 PM.

    Tata Cardholders can call the TATA Card helpline:

    • 3902 3456 (prefix local STD code)
    • 1800 180 8282 (for BSNL/MTNL lines)

    Q 7. What should be done, if there is a difference in the amount mentioned in the receipt compared to the amount mentioned in the CBS payment file?

    Tata Card receives the amount as mentioned in the payment file from CBS. This is the amount entered by the teller while accepting the payment. In instances where there are discrepancies in the amount mentioned in the receipt and that in the CBS file, you must raise the concern to the respective branch authorities and ask them to examine the account. Additionally, we request you to contact our Tata Card helpline and bring the case to our notice, as well.

  • Cheque drop-box

    Q 1. Where can I drop my payment cheque to pay my Tata Card Outstanding?

    You can drop your payment cheque to pay your Tata Card outstanding at any manual or electronic cheque drop-box locations, locate your nearest cheque drop-box.

    Click here for electronic drop box list

    Click here for manual drop box list.

    Q 2. Are non-CTS cheques accepted for payment?

    As per the Cheque Truncation System (CTS), guidelines issued by Reserve Bank of India, cheques with alterations and corrections will be returned unpaid. While writing cheques to pay your Tata Card outstanding fill in your Tata Card no. and amount correctly and do not over-write.Yes, however the banking will happen only on Monday.

    Q 3. What shall I write as ‘Payee Name’ while making the payment by cheque to Tata Card?

    In order to make your Tata Card payment, you need to make the cheque in favour of ‘Tata Credit Card xxxx xxxx xxxx xxxx (your 16-digit credit card number)'.

    Q 4. What should I do if the amount gets debited from my bank account but the same does not get credited in my Tata Card account?

    In such a case, you need to share the bank certificate issued by your bank, confirming the transaction, and send it to us Card at the following address:

    • SBI Card & Payment Services Private Limited
      IP.O. Bag No.28, GPO, New Delhi - 110001

    Q 5. What should I do if the amount credited to my credit card account is not correct?

    In such a case, you need to share a bank certificate issued by your bank, confirming the transaction amount, and send it to us at the following address:

    • SBI Card & Payment Services Private Limited
      IP.O. Bag No.28, GPO, New Delhi - 110001

    Q 6. How many days in advance should I drop my cheque with respect to the payment due date?

    Please drop your cheque at least 4 days before your Tata Card Payment Due Date (PDD) to avoid any late payment charges.

    Q 7. How long does it take for the payment made through cheque to reflect in my Tata Card account?

    Cheques dropped in Metro locations will be processed within 4 working days, while cheques dropped in non-Metro locations will take 6 working days. Please note, that the Cheques dropped on Saturday after 12 o’clock will get into processing from the next working day onwards.

    Q 8.Will I charge by any amount if I will make the payment through cheque?

    Yes, a fee of Rs. 100 will be charged for payments made by cheque for an amount less than or equal to Rs. 2000 w.e.f. 1st April ’17. No additional fee will be charged for cheque payments greater than Rs. 2000.

  • SBI ATM

    Q 1. Can I pay my Tata Card outstanding through a non-SBI ATM card?

    No, you cannot pay your Tata Card outstanding through a non-SBI ATM. You will need to have/ use a SBI Group ATM card (State Bank of India or its associate banks) to do the same.

    Q 2. What are the benefits of paying my Tata Card outstanding through an SBI ATM?

    The bill payment through a SBI ATM enables you to pay your credit card dues from over 20,000 State Bank of India ATMs without any extra charges. ATMs are available 24x7, which means you can make your payment, at your own convenience. With this facility, you can free yourself from the hassle of dropping and tracking cheques.

    Q 3. How can I pay my Tata Card Outstanding at an SBI Group ATM?

    You can walk into your nearest State Bank Group ATM and select the ‘Bill Pay’ option on the screen to pay your Tata Card outstanding from your savings or current account.

    Q 4. How soon will the payment start reflecting in my Tata Card account after I have made the payment through a State Bank Group ATM?

    The payment will be credited to your account within 2 working days.

  • Transaction Disputes

    Understanding Disputes

    Q1. How do I dispute a transaction?

    A transaction can be disputed for various reasons, like:-

    - Not incurred - Unknown transaction billed to the card account
    - Double Debit - Charged twice for a single transaction
    - Failed / Cancelled transaction - Transaction failed or was cancelled
    - Services not rendered / Goods not received

    A transaction dispute should be referred to TATA Cards within 70 days from the date of transaction. When a dispute is raised for a transaction, depending on the nature of the dispute, a temporary credit to the extent of the amount disputed may be given and an investigation is initiated. This temporary credit will nullify the effect of the disputed transaction on the total outstanding. This is to ensure that, you are not adversely impacted during the period of investigation.

    Based on the outcome of the investigation, the temporary credit may either be made permanent resulting in no liability from your end for the transaction or reversed, wherein the amount under dispute will be debited to your account and payable by you. We will contact you with details, if the temporary credit given to the card account is reversed.

    To raise a dispute investigation, please contact our Helpline or write to us at Email id customer.care@tatacard.com. 

    Q2. What is a Memo / unsettled transaction?

    A Memo / unsettled transaction is the one that has not been posted yet. It does not add to your balance. Please wait for 7 days from the transaction date for the transaction to get posted to your account / automatically purged off.

    Please note that some businesses, like hotels and gas stations, will place a temporary pre-authorization charge on a Memo / unsettled transaction. The pre-authorization charge is released when the Memo / unsettled transaction becomes a Posted Transaction.

    Q3. What is the nature of transaction?

    Transactions are of two types;

    - Point of sale transaction (POS)
    - Online transaction

    A POS transaction may be authenticated by card PIN, where the card is dipped inside the chip terminal or swiped on the EDC machine and the PIN and/or signature is required to complete the transaction.

    Online transactions are authenticated by an OTP (One Time Password) or IPIN (Internet PIN) and are secure transactions. This additional security feature will be applicable on 3D secure enabled merchants only and hence, may not be applicable at certain domestic and most international merchants.

    Online transactions which do not require an IPIN / OTP authentication are unsecured in nature.

    Q4. What do I do if I don't recognize the merchant listed on my statement?

    Some merchants may bill under a name other than their operating name or bill from a state different from where you made your purchase. If you still have questions about the transaction, please contact the merchant directly.

    Q5. What should I do before I submit a credit card dispute?

    A quick call to the merchant can often answer your questions and easily resolve your credit card dispute. The merchant's phone number may be located on your receipt or billing statement. If the merchant is able to resolve the matter, your account will be credited normally within 30 days. However, if this is not resolved, you may have to submit a dispute.

    How to raise a Dispute?

    Q6. What is the time frame to report a disputed transaction?

    A transaction dispute should be referred to TATA Cards within 70 days from the date of transaction with the Transaction Dispute Form (TDF) and supporting Documents (as mentioned in the TDF).

    The TDF is available under Forms central section on the TATA card website.

    In case, the Transaction Dispute Form TDF and supporting Documents are not received within the timelines as mentioned in the TDF(Important Notes section) , we would be unable to raise the dispute with the acquiring bank and the liability of the transaction would lie with you.

    Q7. Why am I required to fill a Transaction dispute form (TDF) to report transaction dispute?

    As per MasterCard / VISA guidelines, in case of a dispute, all card holders should provide a duly filled in Transaction Dispute Form (TDF) mentioning the details of the disputed transaction which will enable / authorize the bank to investigate with the respective Merchant / Member Bank.

    Q8. Do I require documentation to raise a dispute?

    Yes. Certain disputes like-cancellation, paid by other means, refund promised by the merchant, merchandise returned etc., require documented proof and therefore, kindly retain documented proof validating the same. The requisite documents are mentioned in the TDF, against each type of dispute.

    Q9. Will I have to pay for the disputed amount while it is under review?

    When a dispute is raised for a transaction, depending on the nature of the dispute, a temporary credit to the extent of the amount disputed may be given and an investigation is initiated. This temporary credit will nullify the effect of the disputed transaction on the total outstanding. This is to ensure that you are not adversely impacted during the period of investigation.

    Based on the outcome of the investigation, the temporary credit may be made permanent resulting in no liability from your end for the transaction or reversed, wherein the amount under dispute will be debited to your account and payable by you. We will contact you with details, if the temporary credit given to the card account is reversed.

    Q10. Should I pursue with the merchant as well after raising a dispute with you?

    We will ensure an end to end resolution is given on the dispute. Still , you may contact the merchant directly also.

    Q11. Will I get an acknowledgement that my dispute/claim is taken?

    A written acknowledgement will be sent confirming the dispute is taken up with the merchant. If any further documentation is required from your end to address the claim, you will be duly informed.

    Q12. How long will it take to resolve a billing dispute?

    Most disputes are resolved within 45-60 days from the date of receipt of Transaction Dispute Form (TDF) along with complete supporting documents, although complex cases could require additional time.

    Q13. How will I come to know that the dispute is resolved?

    We will send a written communication advising you about the outcome of your dispute.

    Q14. When should I fill a progressive dispute form?

    Subsequent to submission of the Transaction Dispute Form (TDF), the bank intimates the merchant of the disputed transaction. The merchant then provides all the relevant documents to substantiate the respective transaction, which are sent to the customer for validation. Post inspection of all the relevant documents, if the customer is still not convinced, then the customer should fill and submit the progressive dispute form or progressive Email/Letter.

    Common Dispute Scenarios

    Q15. My credit card has got debited for an unknown transaction - what should I do?

    If you have received an alert for a transaction you did not make, this may potentially be a fraudulent transaction. Please contact us immediately on our helpline to block your card to avoid further misuse and to log a complaint with us to investigate the fraudulent transaction.

    Q16. What should I do if my credit card got debited twice?

    If your card account is debited twice for a transaction which was incurred only once, please contact us immediately on our Helpline to raise a dispute.

    Q17. How can I cancel a transaction that was declined at the time of incurring but approved on my credit card?

    If a transaction which was void / cancelled at the time of incurring, is approved on your card but not billed to the card account (i.e. Memo / Unsettled transaction), please contact the merchant to provide void / cancellation slip. On acquiring a valid void / cancellation slip / an acknowledgment from the merchant, please forward the same to customer.care@tatacard.com from your registered email id to cancel the approved transaction and release blocked credit limit.

    If this transaction is not claimed by the merchant within 21 days, the same will get cancelled automatically and the blocked credit limit will be released. However, if the merchant presents a valid charge slip and claims payment for this transaction, your card will be billed with the transaction amount. In case of that eventuality, you can contact our Helpline to raise a dispute.

    Q18. I'm expecting a refund from the merchant. How do I know the status of the same?

    If the merchant has initiated a refund for a void/cancelled transaction, please forward the communication received from the merchant along with the 23 digit ARN (Acquirer Reference number) with which the refund was processed, to customer.care@tatacard.com for us to assist you further.

    It may take upto 15 days for the refund to reflect in the card account. If the refund is not credited in 15 days, please write to customer.care@tatacard.com to initiate an investigation with valid supporting documents like, merchant refund/credit note/acknowledgement for the cancellation request raised by the customer.

    Please note:

    The refund amount will be automatically credited to the new card, if your existing credit card is reissued or converted to another card type.

    If the refund amount is less than the original amount, kindly contact the merchant for further details regarding the same.