Tata Card
Discontinued and closed to new applicants, the Tata Card was the entry tier of SBI's original 2019 Tata co-brand pair, superseded by the Tata Neu Plus SBI Card. For a ₹499 fee it earned 3X Reward Points on Departmental & Grocery store spends, up to 5% value back at select Tata outlets, a base 1 Reward Point per ₹100, and a 1% fuel-surcharge waiver. With SBI Reward Points worth about ₹0.25 each, the base earning was thin at around 0.25%. This page stands as a reference record for existing holders, not a recommendation to apply.
View Tata Neu Plus SBI Card →
Key features
What this card is built to do — the highlights that actually matter.
0.75% on Groceries
3X points (~0.75%) on Departmental & Grocery store spends; up to 5% value back at select Tata outlets.
0.25% on Other
Base 1 Reward Point per Rs. 100 (~0.25%) on general spends. Legacy card, closed to new applicants.
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceries | reward points | 0.75% | — |
| Other | reward points | 0.25% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹589 |
| Joining fee (incl. 18% GST) | ₹589 |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹600/yr in total.
fuel waiver ~ ₹600 /yr
1% fuel surcharge waiver on specified transactions. Legacy benefit; card no longer open to new applicants.
Should you get it?
Best for: Reference only — legacy cardholders
Entry tier — great for first-time and lower-spend users.
Strongest value if you spend heavily on Groceries ( 0.75% back).
✓ Pros
- Low Rs. 499 fee entry-level Tata co-brand
- 3X points on Departmental and Grocery store spends
- Up to 5% value back on spends at select Tata outlets
- 1% fuel surcharge waiver
✕ Cons
- Discontinued — closed to new applicants, superseded by the Tata Neu SBI cards
- Thin base earning at Rs. 0.25 per Reward Point
- Value tied to Tata outlets and grocery spend
Eligibility & documents
Min. income
₹20,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / address proof
- Income proof (salary slips or ITR)
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Reward Points redeemable against the SBI Card catalogue (legacy structure)
🎁 Value back accrued on spends at select Tata outlets
What your SBI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Capped at 60,000 pts/month from Apr 2026
Rewards catalogue / vouchers BEST Vouchers & merchandise
The concern Discontinued and superseded by the Tata Neu SBI cards, with thin base earning at ₹0.25 per Reward Point and value tied to Tata outlets.
The bottom line
A legacy product that is no longer issued, the Tata Card served as an economical entry-level option tailored for grocery purchases and Tata-store spending. Remaining cardholders should look at upgrading to the Tata Neu Plus SBI Card, which delivers direct NeuCoin rewards across the entire Tata group at the identical ₹499 annual price point.
Sources & verification
Fees, reward rates, and benefits for the Tata Card are taken from SBI Card 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 10 Jul 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
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