SBI Tata Platinum Card: Features & Benefits

Summary

SBI Tata Platinum Card is a high-end card for frequent shoppers, especially those who shop extensively at Tata associate stores such as Croma, Westside, and Tanishq. This card offers 5X reward points on all Tata brand spends and 3X reward points on general shopping, which is a great choice for earning points in return for spending money. Fresh candidates are also being given a joining offer of 3,500 reward points in the form of gratitude by remitting the joining charge of ₹2,999 + GST.

Apart from shopping benefits, the card provides a 1% fuel surcharge refund on spends between ₹500 to ₹4,000, earning customers fuel savings. It also offers dining privileges, conversion of EMI, and secure contactless payments, and therefore is an effortless financial vehicle. Cardholders can simply maintain a view of their transactions and statements through the SBI Card mobile application and Internet portal.

The card credit limit depends on the applicant’s income, credit history, and payment track record. If used responsibly, the users can request a credit limit increase later. However, it is advisable to pay the total outstanding amount before the due date to avoid 3.50% per month (42% per annum) interest as well as a late payment fee.

Introduction

If you are a frequent shopper and prefer to have an incredible rewards card, the SBI Tata Platinum Card is a perfect option. It is only meant for people who shop at frequent intervals from Tata associate stores like Croma, Westside, and Tanishq. In addition to competitive cashback and discounts, the card offers reward points for every transaction.

You can earn welcome benefits, reward points, and value-added discounts on Tata products with this card. Whether shopping for fashion, electronics, or jewelry, the card assists in saving while shopping.SBI Tata Platinum Card also offers additional advantages such as fuel surcharge rebate, conversion of purchases into EMI, and travel benefits, making it a comprehensive card for various spending purposes.

Another great thing about this card is how easy it is to be eligible. If you have a good credit score and meet minimum income requirements, you can apply for the card online or walk into an SBI branch. Applying is easy, and after approval, you get to enjoy the rewards almost at once.

We have explained in depth the features, benefits, and chargehand fees of the SBI Tata Platinum Card in this article. With the help of this article, you will clearly understand whether or not this card is suitable for your shopping and lifestyle needs.

What is the SBI Tata Platinum Card?

The SBI Tata Platinum Card is a card provided by SBI Card in association with Tata Group. This card is best suited for shopaholics, particularly those who frequently visit Tata partner malls such as Westside, Croma, and Tanishq. You get reward points on all transactions and Tata product offers using this card.

It also provides advantages such as fuel surcharge exemptions, EMI facilities, and travel benefits. If you are a frequent shopper and wish to save while spending, the card can be an excellent option for you.

How is the design of the SBI Tata Platinum Card?

The SBI Tata Platinum Card features a cool modern look that depicts a superior image. The card comes in the fashionable combination of silver and black and thus appears classy and sophisticated to the touch. The SBI Card logo and the Tata logo feature on the front, along with the secure payment chip.

The card is sleek but classy, much like the high-end rewards of the card. It is light and of a standard size that you can fit in your wallet, giving you a stylish way to pay wherever you are.

What are the benefits of the SBI Tata Platinum Card?

The following are the key benefits of real reward points:

1. Welcome Benefit

• Get 3,500 reward points as a welcome benefit on payment of the joining fee.

2. Reward Points on Shopping

• Get 3X reward points on every ₹100 spent on day-to-day purchases.

• Earn 5X reward points on all ₹100 spent at Tata partner outlets such as Croma, Westside, and Tanishq.

3. Fuel Surcharge Waiver

• Get a 1% fuel surcharge waiver on fuel purchases between ₹500 and ₹4,000 at any petrol pump in India.

4. Dining & Travel Benefits

• Get exclusive dining deals at restaurant partners.

• Turn big purchases into easy EMIs with flexible tenures.

5. Contactless & Secure Payments

• The card has chip and PIN security for secure transactions.

• Make contactless tap & pay payments to shop quickly and securely.

What are the fees for the SBI Tata Platinum Card?

Here is a simple breakup of the SBI Tata Platinum Card fees.

Joining Fee	₹3,000 + GST (one-time fee when you get the card).
Annual Fee	₹3,000 + GST per year.
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.50% per month (42% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Rs.0 to Rs.500: NIL Rs.500 to Rs.1,000: Rs.400 Rs.1,000 to Rs.10,000: Rs.750 Rs.10,000 to Rs.25,000: Rs.950 Rs.25,000 to Rs.50,000: Rs.1,100 Rs.50,000 and above: Rs.1,300

What are the criteria for getting an SBI Tata Platinum Card?

The following are the primary requirements:

1. To apply for the SBI Tata Platinum Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs.3 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for SBI Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.

5. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an SBI Tata Platinum Card?

The documents that you will have to submit to get an SBI Tata Platinum Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the SBI Tata Platinum Card be used?

Here is the list of places where you can use it:

• With the SBI Tata Platinum Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your SBI Tata Platinum Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The SBI Tata Platinum Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the SBI Tata Platinum Card?

The credit limit of the SBI Tata Platinum Card is not fixed and varies for varying individuals. It is based on your income level, credit profile, repayment habits, and SBI Card’s policies. When you apply for the card, SBI scrutinizes your financial details and assigns a suitable limit.

For instance:

• If you earn a high income and have a good credit score (750+), you will be eligible for a higher limit (₹1 lakh or more).

• If you are a newcomer to credit use or have a bad credit record, your limit will be low (₹30,000 – ₹50,000).

How do you apply for an SBI Tata Platinum Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the SBI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by SBI Bank; for instance, you can choose the SBI Tata Platinum Card.

• Just hover your cursor on the SBI Tata Platinum Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest SBI Bank branch to apply for the SBI Tata Platinum Card.

• Request for the credit card application form of the SBI Tata Platinum Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the SBI Tata Platinum Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the SBI Bank Card website, or mobile app or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an SBI Tata Platinum Card in 2025 be right?

Yes, getting an SBI Tata Platinum Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

SBI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

The SBI Tata Platinum Card is ideal for shopping enthusiasts, particularly Tata partner store consumers such as Croma, Westside, and Tanishq. You get to enjoy reward points on every transaction, exclusive offers, and cashback offers, all of which enhance your shopping experience. In addition, the card provides benefits for travel, dining, and fuel, thus making it an all-purpose card for different expenditure needs.

One of the most significant advantages of this card is its high return rate, with you earning 5X reward points on transactions of the Tata brand and 3X points for other transactions. The waiver of a 1% fuel surcharge also cuts costs on fuel bills. The card also offers the facility of conversion to EMI, where large transactions can be paid in the form of convenient monthly installments.

Even if the joining and renewal charges of ₹2,999 + GST seem high, welcome rewards and reward points can go in your favor if you make regular use of the card. Maintaining a good credit score and timely bill payment can also guarantee that you are offered larger credit limits and you do not pay extra fees like interest and late payment fees.

Frequently Asked Questions (FAQ’s)