What is the reward rate on the Tata Card?

You earn 1 point for every ₹100 spent, and 5 points per ₹100 in the accelerated category. At roughly ₹1 a point, that is about 1% back on regular spends. On ₹10,000 of monthly spend you collect around 100 points, worth roughly ₹100.

Does the Tata Card give free airport lounge access?

The Tata Card gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. International lounge visits are capped at 4 a year. There is no prior spend requirement on paper, though SBI Card has been moving cards to spend linked access, so confirm before you rely on it at the airport.

What changed on the Tata Card recently and is it still worth it in 2026?

No card specific cut has been announced, though SBI Card has been trimming rewards across its portfolio. At ₹1L of yearly spend the card returns roughly ₹250 at its general rate of about 0.25%, against a ₹499 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

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Card Details

1925 2001 4047 4663

Tata Card

SBIMASTERCARD

Monzy Score

4.5/ 10

Average for online shoppers.

Thin rewards outside its core category.

Card Issuer

SBI Card

Joining Fee

₹499

Annual Fee

₹499

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

See all

Neelkanth: Up to ₹6500 Instant Discount
Exclusive Discounts · till 12 Sep 2026
Pai-International: Up to Rs 16000 Instant Discount at PAI International
Exclusive Discounts · till 13 Sep 2026
Pittappillil: Up to Rs 10000 Instant Discount at Pittappilill Agencies
Exclusive Discounts · till 13 Sep 2026
Myg: Up to Rs 16000 Instant Discount Offer – myG Mobiles
Electronics Deals · till 15 Sep 2026
Amazon: 10% Instant Discount at Amazon
Shopping Deals · till 18 Sep 2026

Earn Points

2pts

Per ₹100 on Dining

2pts

/₹100 at Grocery & Departmental Stores

1pt

Per ₹100 on All Other Categories

3Xpts

At Croma (Offline & Online)

Benefits

Shopping

Up to 5% value back at Tata outlets

Higher rewards on Tata ecosystem spends
1.5% value back at Croma & Croma.com
3X Empower Points on departmental and grocery spends
Best value back limited to Tata partner outlets

Protection

Annual fee waived on ₹1 lakh yearly spend

Spend-based fee waiver
Annual/renewal fee up to ₹499 + GST
Renewal fee waived on ₹1 lakh annual spends

Fuel

1% Fuel Surcharge Waiver ₹500-₹4K

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Tata retail outlets

up to 5%

₹1,500

Croma

1.50%

₹0

Departmental & grocery

₹0

All other retail spends

₹0

Total Annual Return

₹18,000

5% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

Tata Card

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Tata Card

Offers from SBI Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

Tata Card

Offers from SBI Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind