Check availability before applying
Tata Croma SBI Credit Card Review: Croma Card and Croma SELECT
SBI Card issues two Tata Croma co-brand cards: the entry Tata Croma Card and the premium Tata Croma SELECT. Both pay rewards as Empower points, worth ₹1 each, on Croma and Tata-brand purchases.
They differ in fee, Croma reward rate, accelerated categories and travel perks, so it is worth matching the variant to how much you spend.
- 1 Empower point = ₹1
- Up to 5% back at Tata outlets on both variants
- Entry card fee waived on ₹1 lakh
- SELECT: ₹3,000 welcome voucher and milestone vouchers
- SELECT: 8 domestic lounge visits a year
- Availability for new applicants unclear
- Croma reward rate of 1.5–2% is modest for electronics
- Entry card has no lounge access
- SELECT anniversary voucher needs ₹2 lakh spend
- SELECT fee of ₹2,999
Fees and charges
| Item | Detail |
|---|---|
| Tata Croma Card fee | ₹499 + GST, waived on ₹1 lakh annual spend |
| Croma SELECT fee | ₹2,999 + GST |
| Interest | About 3.5% a month (check SBI Card’s MITC) |
| Fuel waiver: Croma Card | 1% on ₹500–₹3,000, up to ₹100 a cycle |
| Fuel waiver: SELECT | 1% on ₹500–₹4,000, up to ₹250 a cycle |
Rewards: how the card earns
| Feature | Tata Croma Card | Croma SELECT |
|---|---|---|
| Croma and croma.com | 1.5% back | 2% back |
| Tata outlets | Up to 5% | Up to 5% |
| 3X categories | Department stores and groceries | Department stores, groceries, dining, international |
| Other spends | 1 point per ₹100 | 1 point per ₹100 |
| Welcome | 500 points on ₹2,000 spend in 60 days | ₹3,000 e-voucher |
| Milestones | — | ₹3,000 vouchers at ₹4 lakh and ₹5 lakh annual spend |
Other benefits
| Benefit | Detail |
|---|---|
| Lounge access | SELECT only: 8 domestic airport visits a year (2 a quarter) |
| Fuel | Surcharge waiver on both variants (see fees) |
| Redemption | Empower points, 1 point = ₹1 |
Eligibility
Issuer
SBI Card
Variants
Tata Croma Card; Tata Croma SELECT
Availability
Confirm with SBI Card
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: regular Croma and Tata-brand shoppers; SELECT for those spending ₹4–5 lakh a year.
- Skip if: you rarely shop at Croma or Tata outlets — a general cashback card will earn more.
Alternatives worth comparing
Final verdict
Good value for Croma and Tata loyalists, with simple ₹1-a-point rewards. Choose SELECT only if you will hit the ₹4–5 lakh milestones; otherwise the ₹499 card is the better deal.
Frequently asked questions
What is the difference between the two Tata Croma cards?
The Croma Card (₹499) gives 1.5% at Croma; Croma SELECT (₹2,999) gives 2% at Croma, more 3X categories, vouchers, milestones and 8 lounge visits.
How much is an Empower point worth?
₹1.
Is the fee waivable?
The Croma Card’s ₹499 fee is waived on ₹1 lakh annual spend. SELECT’s anniversary voucher needs ₹2 lakh spend.
Does it give lounge access?
Only SELECT: 8 domestic visits a year.
Can I still apply?
The cards are listed on SBI Card’s site, but confirm that applications are open before applying.
Last verified: October 2026, against SBI Card’s Tata Croma card pages. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.