What is the reward rate on the Tata Card SELECT?

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 SELECT give free airport lounge access?

The Tata Card SELECT gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. International lounge visits are capped at 8 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 SELECT 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 ₹4L of yearly spend the card returns roughly ₹4,000 at its general rate of about 1%, against a ₹2,999 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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Card Details

7742 4147 4108 6144

Tata Card SELECT

SBIMASTERCARD

Monzy Score

4.5/ 10

Average for online shoppers.

Thin rewards outside its core category.

Card Issuer

SBI Card

Joining Fee

₹2,999

Annual Fee

₹2,999

Reward Type

—

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

Value back at Croma

value back on Tata outlets

Benefits

See the bank's official page for full lounge rules, milestones, and exclusions.

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 (select)

up to 5%

₹1,500

Croma

₹0

Departmental, grocery, dining & international

₹0

All other retail spends

₹0

Total Annual Return

₹18,000

5% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

Tata Card SELECTNEUTRAL

“Sbi Tata cards opinion”

by r/CreditCardsIndia, Jul 2025

Tata Card SELECTNEUTRAL

“Will Tata Star SBI Card be eligible for”

by r/CreditCardsIndia, Feb 2026

Tata Card SELECTNEUTRAL

“Phone SBI Credit Card Vs Tata Neu Infinity”

by r/CreditCardsIndia, Sep 2025

Tata Card SELECTNEUTRAL

“Which sbi cards are you guys using?”

by r/CreditCardsIndia, Jan 2026

Tata Card SELECTNEGATIVE

“SBI Tata Neu Infinity (RuPay) Rejected → Offered Plus”

by r/CreditCardsIndia, Mar 2026

Frequently Asked Questions

The Tata Card SELECT charges ₹2,999 plus GST as a joining fee and the same ₹2,999 again at renewal. SBI Card waives the renewal fee if you spend ₹4L in the previous year, which is about ₹33,333 a month. If your card spend sits below that, treat ₹2,999 as a real yearly cost that your rewards have to clear first.

Things to Keep in Mind

1% Fuel Surcharge Waiver for each transaction between Rs 500 & Rs 4000. Maximum Surcharge Waiver of Rs 250 per statement cycle.

←

Card Details

7742 4147 4108 6144

Tata Card SELECT

SBIMASTERCARD

Monzy Score

4.5/ 10

Average for online shoppers.

Thin rewards outside its core category.

Card Issuer

SBI Card

Joining Fee

₹2,999

Annual Fee

₹2,999

Reward Type

—

Card Access

Standard

Offers from SBI Card

See all

Earn Points

Value back at Croma

value back on Tata outlets

Benefits

See the bank's official page for full lounge rules, milestones, and exclusions.

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 (select)

up to 5%

₹1,500

Croma

₹0

Departmental, grocery, dining & international

₹0

All other retail spends

₹0

Total Annual Return

₹18,000

5% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

Tata Card SELECTNEUTRAL

“Sbi Tata cards opinion”

by r/CreditCardsIndia, Jul 2025

Tata Card SELECTNEUTRAL

“Will Tata Star SBI Card be eligible for”

by r/CreditCardsIndia, Feb 2026

Tata Card SELECTNEUTRAL

“Phone SBI Credit Card Vs Tata Neu Infinity”

by r/CreditCardsIndia, Sep 2025

Tata Card SELECTNEUTRAL

“Which sbi cards are you guys using?”

by r/CreditCardsIndia, Jan 2026

Tata Card SELECTNEGATIVE

“SBI Tata Neu Infinity (RuPay) Rejected → Offered Plus”

by r/CreditCardsIndia, Mar 2026

Frequently Asked Questions

Things to Keep in Mind

1% Fuel Surcharge Waiver for each transaction between Rs 500 & Rs 4000. Maximum Surcharge Waiver of Rs 250 per statement cycle.

←

Card Details

7742 4147 4108 6144

Tata Card SELECT

SBIMASTERCARD

Monzy Score

4.5/ 10

Average for online shoppers.

Thin rewards outside its core category.

Card Issuer

SBI Card

Joining Fee

₹2,999

Annual Fee

₹2,999

Reward Type

—

Card Access

Standard

Offers from SBI Card

See all

Earn Points

Value back at Croma

value back on Tata outlets

Benefits

See the bank's official page for full lounge rules, milestones, and exclusions.

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 (select)

up to 5%

₹1,500

Croma

₹0

Departmental, grocery, dining & international

₹0

All other retail spends

₹0

Total Annual Return

₹18,000

5% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

Tata Card SELECTNEUTRAL

“Sbi Tata cards opinion”

by r/CreditCardsIndia, Jul 2025

Tata Card SELECTNEUTRAL

“Will Tata Star SBI Card be eligible for”

by r/CreditCardsIndia, Feb 2026

Tata Card SELECTNEUTRAL

“Phone SBI Credit Card Vs Tata Neu Infinity”

by r/CreditCardsIndia, Sep 2025

Tata Card SELECTNEUTRAL

“Which sbi cards are you guys using?”

by r/CreditCardsIndia, Jan 2026

Tata Card SELECTNEGATIVE

“SBI Tata Neu Infinity (RuPay) Rejected → Offered Plus”

by r/CreditCardsIndia, Mar 2026

Frequently Asked Questions

Things to Keep in Mind

1% Fuel Surcharge Waiver for each transaction between Rs 500 & Rs 4000. Maximum Surcharge Waiver of Rs 250 per statement cycle.