Question 1

What is the annual fee on the Tata Card and how do you get it waived?

Accepted Answer

The Tata Card charges ₹499 plus GST as a joining fee and the same ₹499 again at renewal. SBI Card waives the renewal fee if you spend ₹1L in the previous year, which is about ₹8,333 a month. If your card spend sits below that, treat ₹499 as a real yearly cost that your rewards have to clear first.

Question 2

What is the reward rate on the Tata Card?

Accepted Answer

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.

Question 3

Does the Tata Card give free airport lounge access?

Accepted Answer

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.

Question 4

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

Accepted Answer

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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