The Bottom Line
High Fee, Average Rewards
3 reward points / ₹100 on dining, foreign spends, departmental stores, grocery, 1 point on other retail spends. 5% value back at Tata Outlets, 3.5% value back at STAR Outlets.
Monthly Spend |
₹5K |
₹10K |
₹20K |
₹50K |
₹100K |
Net Reward Yield |
(-3.8%)^ |
(-2.4%)^ |
0.1% |
1.3% |
1.3% |
Est. Monthly Reward (₹) |
(190) |
(245) |
10 |
670 |
1,285 |
All-India Rewards Rank* |
309 |
332 |
289 |
71 |
74 |
Within Bank Rank* |
56 |
64 |
56 |
27 |
25 |
* 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 negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
The TATA STAR Card SELECT gives 3% effective rewards on dining, foreign spends & grocery and 1% on all other retail spending. You also get 5% value back on Tata Outlets, 3.5% at STAR Outlets.
Overall, we estimate you can earn a net reward yield of 1.3% on monthly spending above ₹50,000 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.
The Rewards
Card |
TATA STAR Card SELECT |
Card Type |
Reward + Cashback |
Reward/ Cashback Features |
3 Reward Points / ₹100 on:
– Dining
– International Spends
– Departmental Stores
– Grocery
1 Reward Points / ₹100 on other retail spends
5% Value Back on Tata Outlets
3.5% Value Back on STAR Outlets |
Milestone Rewards |
₹3000 Voucher from STAR on annual spends of ₹4 and ₹5 Lacs each
|
Other Rewards |
Nil |
Rewards Redemption Fee |
₹99 |
Reward/ Cashback Caps |
Unlimited |
Preferred Redemption Method |
Redeem your points at any participating Tata brand outlet @₹1 / reward point |
Fees & Charges
Card |
TATA STAR Card SELECT |
Joining Fee |
₹2,999 + Taxes |
Annual Fee |
₹2,999 + Taxes |
Min. Annual Credit Card Spend
for Fee Waiver |
N/A |
Income Criteria |
Salaried |
N/A |
Self-employed |
N/A |
Supplementary Card Fee |
Free |
Interest Rate |
42.00% |
Foreign Currency Markup |
2.50% |
Cash Advance Charge |
2.50% transaction amount minimum of ₹500 |