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Tata Card
SBI Card
Joining Fee₹499Renewal Fee₹499Waived at ₹1,00,000 annual spend
Last verified: 23 Sept 2026
Reward Program
Empower Points1 point = ₹1.00
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Croma and croma.com | 1.5% | No cap |
Departmental and grocery stores | 3% | No cap |
Tata outlets | 5% | No cap |
| All other spends | 1% | No cap |
Redemption fee: 99
🔁
Managed via Tata Card rewards catalogue, Participating Tata outlets
Transfer partners
Redeemed against Tata brand purchases. Tata states the rate outright: 1 Empower Point = Re. 1.
Live Offers
63 activeDIGI1 ElectronicsUp to INR 15,000 Instant Discount at DIGI1 Electronics stores
Till 4 Oct
Ravi ElectronicsUp to Rs. 10,000 Instant Discount at Ravi Electronics RETAIL outlets using SBI Credit card
Till 26 Oct
Poojara TelecomUp to Rs 9,000 Instant Discount at POOJARA TELECOM outlets using SBI Credit card, during t
Till 21 Oct
Gujarat MobilesUp to Rs 9,000 Instant Discount at GUJARAT MOBILE outlets using SBI Credit card, during th
Till 22 Oct
Manish SalesUp to Rs 9,000 Instant Discount at MANISH SALES outlets using SBI Credit card, during the
Till 24 Oct
Benefits
⛽
Fuel Surcharge Waiver
1% fuel surcharge waiver at petrol pumps across India. Tata Card publishes the benefit without stating the transaction band or the cap on the captured pages.
₹500🎁
Welcome Benefit
500 Empower Points
Earned on spending ₹2,000 within 60 days of card activation.
Credited within 60 days of receiving the card.
Milestone Benefits
Spend ₹1,00,000/yearAnnual fee waived₹499 total by this tier · 0.50% effective rate
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹499/yr |
| Renewal Fee | ₹499/yr |
| Fee Waiver | Spend ₹1,00,000/year |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the transaction amount, subject to a minimum of ₹500, at domestic and international ATMs. |
| Reward Redemption Fee | 99 |
