Tata Croma SBI Credit Card Review (Titanium & Select)
The Tata Croma SBI Card is a Tata-ecosystem co-brand — value back at Croma and across Tata brands, plus accelerated points on everyday categories. It comes in Titanium and premium SELECT variants. Here is the verified review.
- Up to 5% value back across Tata brand outlets
- 3X on grocery/dining/international (1 RP = ₹1)
- 1.5% on Croma stores & website
- Milestone e-gift vouchers (₹3,000) at ₹4–5 lakh
- Titanium (₹499) and SELECT (₹2,999) options
- Best value tied to the Tata ecosystem
- Croma rate (1.5%) modest vs other Tata brands (5%)
- SELECT fee ₹2,999 needs usage to justify
- Reward caps may apply
- ~3.5% forex (Titanium)
Titanium vs SELECT
| Item | Titanium | SELECT (Platinum) |
|---|---|---|
| Annual fee | ₹499 | ₹2,999 |
| Croma | 1.5% value back | 1.5% value back |
| Other Tata brands | Up to 5% value back | Up to 5% value back |
| Grocery/dining/international | 3X (3 RP/₹100) | 3X + extended dining/travel/intl benefits |
| Milestone | ₹3,000 vouchers at ₹4L/₹5L | ₹3,000 vouchers + more |
Who this card is for
- Best fit: Croma and Tata-brand shoppers (Westside, Titan, BigBasket, etc.).
- Skip if: you don’t shop in the Tata ecosystem.
How to apply & how to cancel
Apply: via sbicard.com or tatacard.com. Cancel: call SBI Card after clearing dues; redeem points first.
Final verdict
The Tata Croma SBI Card is a solid Tata-ecosystem co-brand — up to 5% at Tata brands, 3X on everyday categories and milestone vouchers. The Titanium suits light users; SELECT adds travel/dining value for ₹2,999. Best for Croma and Tata-brand regulars.
Frequently asked questions
How much do I earn at Croma and Tata brands?
1.5% value back at Croma and up to 5% at other Tata-brand outlets, plus 3X on grocery/dining/international.
What are the variants?
Tata Croma Card (Titanium, ₹499) and Tata Croma Card SELECT (Platinum, ₹2,999).
What’s the milestone benefit?
₹3,000 e-gift vouchers (Yatra, Westside and more) at ₹4 lakh and ₹5 lakh annual spend.
What’s a reward point worth?
1 RP = ₹1 on the 3X categories.
Data current as of June 2026, cross-checked against SBI Card and Tata. Confirm current terms on sbicard.com before applying.