Happy to help you
For Personal Cardholders
What is Balance Transfer on EMI (BT on EMI)?View more FAQs
How do I make payment using Paynet?View more FAQs
How can I check my Reward point balance?View more FAQs
How do I apply for a TATA Credit Card?View more FAQs
Be a smart Tata Card user and make the best of your card
Credit cards come with legal contracts. Hence, it is important that you are aware of their terms and conditions, when you sign up for them.
Explore features and learn about T&Cs: Please read your credit card application carefully to know about your card’s features and associated Terms and Conditions. The information mentioned in small prints may have big impacts on your fees, charges and usage conditions. While some T&Cs are similar on all cards, there are many others that may be particular to the ones you are applying for, so we recommend that you go through all of them.
Understand liabilities: If your card has multiple users, know about the liabilities shared by secondary users. Also, if you have applied for Add-on cards, understand the added responsibilities that come with them such as who will manage the cards, pay bills and debts, etc.Read more
Credit cards give you a lot of power and if you follow some crucial mantras about their usage, you can harness them well.
Ensure the safety of your Credit Card, PIN number and security code by all means. Whenever you travel abroad, stay informed about the benefits you can avail in case of card loss or theft, such Card Insurance plans & Emergency Card replacement services.
Check your credit card statements carefully for any suspicious transaction. Try to retain the bills of all important and big transactions till you have paid your credit card dues. If you ever notice any unsolicited transaction, immediately report the same.Read more
Avail credit cards from institutions that follow national & international standards for secure transactions
Do not hand-over your credit card to people, whom you do not know. When you shop, make sure you have collected your card at the end of the transaction. Also, before signing the charge slip, check the amount printed on it.
Keep your Credit Card, CVV and helpline numbers saved with you separately and in case of card loss or theft, immediately inform your card issuer and get the card blocked.
Always log in into your credit card account from a secure computer that is malware free. Make a strong password for the online account of your credit card and do not share your password with anyone.
Refrain from responding to correspondences that asks for your Credit Card or password details. Banks or your card issuer, will never ask for this information from you. Whenever you get such mails, calls, SMS, etc. bring them to the notice of your card issuer.
Click here for a detailed account on dos and don’ts related to the safety of your credit cards.
Credit score is an important factor, which most institutions consider while approving your credit cards or loans. Know how you can maintain a good credit score.
Credit score is a numerical expression that establishes your credibility as a borrower. It indicates the probability of default by a consumer on the basis of his or her repayment performance in the past 12 months and is an important factor that determines whether a lending institution will approve your loan or credit applications or not. Higher the credit score, higher is the probability that banks and other lending institutions will approve your loan or credit card application.Read more
Here are some simple and smart moves to maintain a good credit score:
Know your credit score before applying for a loan or credit card,. In case, if your score is less than what is generally considered by your lending institutions, take necessary measures to improve the score.
Limit the number of credit cards you own, since applying for many of them might create an impression that you rely too much on credit, which thus creates a negative impact on your credit score.
Make timely payments of your credit card bills. This is one of the most important requisites for a sound credit score. Your credit history plays a very important role in banks and lending institutions to decide whether you should be given more credit.
Identify the areas which pull down your credit score and continuously work on them in order to improve your score gradually. A good credit score is a key to a good financial life and it is vital that you build a high score.
You can read more about credit score here
As per the Reserve Bank of India mandate relating to Know Your Customer (KYC) norms, it is mandatory for us to periodically update our records with the current information relating to our customers.
As per the RBI guidelines your KYC is due for renewal immediately and it is with this intent that we are sending this request to submit the following self-attested documents within 45 days along with the enclosed declaration to the address mentioned in the KYC form to avoid any inconvenience in enjoying uninterrupted services on your Tata Card:
If you require any further clarification, kindly contact TATA Card helpline at 39 02 34 56 or 1800 180 8282 (if calling from MTNL and BSNL lines). Assuring you of our best services at all times
You can send the scan copy of the documents and email us in the below mentioned email address from your email address registered with us.
Email address :- firstname.lastname@example.org
You can also FAX the document to us on 0124-4589624
The hard copy of the above mentioned documents may be sent at the below mentioned address. Address :- SBI Card (KYC renewal), DLF Cyber City, Tower C, Block 2, Building 3 DLF Infinity Towers, 12th floor, Gurgaon 122002
You can download the KYC Declaration Form from here