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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 0.2% | 0.0% | 1.0% | 1.0% | 0.9% |
| Est. Monthly Reward (₹) | 10 | – | 195 | 510 | 920 |
| All-India Rewards Rank* | 134 | 221 | 85 | 122 | 139 |
| Within Bank Rank* | 9 | 30 | 16 | 40 | 42 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
The TATA Croma Card gives 3% effective reward on grocery and 1% on all other retail spends. You also earn 5% value back at TATA outlets and 1.5% value back at Croma and cromaretail.com
Overall, we estimate you can earn a net reward yield of 0.9 – 1.0% on monthly spending above ₹20,000 with this card.
The CASHBACK SBI Card is the best credit card for most SBI Card customers. We estimate it offers an average net reward yield of 1.9 – 2.3% on all your spend.
The SBI Unnati Credit Card is the best entry level card from SBI Card, if you spend less than ₹10,000 a month. It offers a net reward yield of 0.3 – 1.1% on all your spending.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | Tata Croma Card |
|---|---|
| Card Type | Reward + Cashback |
| Reward/ Cashback Features | 3 Reward Points / ₹100 on: – Departmental Stores – Grocery 1 Reward Points / ₹100 on other retail spends 5% Value Back on Tata Outlets 1.5% Value Back on at Croma and cromaretail.com |
| Milestone Rewards | Nil |
| Other Rewards | Nil |
| Rewards Redemption Fee | ₹99 |
| Reward/ Cashback Caps | Unlimited |
| Preferred Redemption Method | Redeem your Empower Points at any participating Tata brand outlet @₹1 / reward point |
| Card | Tata Croma Card | |
|---|---|---|
| Joining Fee | ₹499 + Taxes | |
| Annual Fee | ₹499 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹1 Lacs | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 42.00% | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% transaction amount minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
