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TATA STAR Select Credit Card

The Tata Star Select Credit Card is not just a payment instrument; it is a package of benefits created for those who enjoy shopping, dining, traveling, etc. Offered by Tata Cards, this credit card has a joining fee of ₹2,999 along with taxes in partnership with SBI. From welcome bonuses to consistent value back on your expenditures, the Tata Star Select Credit Card is a co-branded card. This card helps you manage your money by letting you earn Reward Points, enjoy discounts at certain TATA outlets, and access airport lounges.

This credit card is perfect for people who love shopping and traveling. It helps you make the most of your everyday spending. If you often use credit cards and want to earn rewards and cash back, the Tata Star Select Credit Card could be the right choice for you. It offers many benefits to improve your financial experience.

TATA STAR Select Credit Card

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TATA STAR Select Credit Card
  • Joining Fee₹2,999 + GST
  • Annual Fee₹2,999 + GST
  • Best Suited ForShopping
  • Reward TypeReward Points

Rewards Rate

3 RPs for every ₹100 spent on departmental & grocery stores, dining & international spends; 1 RP for every ₹100 spent on other retail spends

Welcome Benefits

e-Gift voucher worth ₹3,500 from STAR

Movie & Dining

N/A

Rewards Rate

3 RPs for every ₹100 spent on departmental & grocery stores, dining & international spends; 1 RP for every ₹100 spent on other retail spends

Reward Redemption

1 RP = ₹1

Travel

N/A

Domestic Lounge Access

2 complimentary visits every quarter

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

N/A

  • Spend-Based Waiver

    N/A

    Rewards Redemption Fee

    ₹99 + GST

    Foreign Currency Markup

    3.5%

    Interest Rates

    3.5% per month; 42% per annum

    Fuel Surcharge Waiver

    1% waiver on fuel transactions between ₹500 and ₹4,000

    Cash Advance Charges

    2.5% of transaction amount or ₹500

    • The TATA STAR Select Credit Card has a joining fee of ₹2,999 plus taxes and a renewal fee of the same amount.
    • Cardholders receive an e-Gift Voucher worth ₹3,500 from STAR as a welcome benefit.
    • Frequent spenders can earn an anniversary e-gift voucher of ₹3,000 if they spend over ₹2 lakhs in a year.
    • Cardholders get access to premium Mastercard lounges at airports with up to 8 complimentary visits a year.
    • A fuel surcharge waiver of 1% on fuel transactions between ₹500 and ₹4,000.

    Pros

    • There are bonus vouchers available for milestone spends of ₹4 lakhs or ₹5 lakhs.
    • Earn up to 3 Reward Points for every ₹100 spent on groceries, dining, and more.

    Cons

    • No insurance benefits are offered with the card.
    • The Forex Markup fee of this card is 3.5%, which is quite high.

  • Welcome Benefits

    With the TATA STAR Select Credit Card, you get some great welcome benefits right when you sign up. You will receive an e-Gift Voucher worth ₹3,500 from STAR, which you can use at their outlets. This is a pleasant little reward to start your credit card journey.

    Value Back and Reward Rate

    The TATA STAR Select Credit Card is designed to give back to its users. Cardholders can enjoy 3.5% value back on their spends at STAR outlets, along with up to 5% value back at select TATA outlets. This means that every time you shop at participating retailers, you’re not just spending money; you’re earning money back.

    Cardholders earn 3 Reward Points for every ₹100 spent on departmental and grocery stores, dining, and international spends. For other retail transactions, users earn 1 Reward Point for every ₹100 spent.

    Reward Redemption

    With the TATA STAR Select Credit Card, redeeming your rewards is easy and rewarding. You can use the points you’ve earned to get discounts on your next purchases via Star Bazaar or even convert them into cash back. The value of 1 Reward Point is ₹1.

    Anniversary/ Milestone Benefits

    • For loyal customers, an anniversary e-gift voucher of ₹3,000 is granted each year if the cardholder spends more than ₹2 lakhs in the previous year.
    • For those who enjoy spending, the TATA STAR Select Credit Card offers a bonus rewards program. Once cardholders reach milestone spends of ₹4 lakhs or ₹5 lakhs within a year, they are eligible to receive STAR e-gift vouchers worth ₹3,000 each. The voucher code will be sent to the registered mobile number within 30 days of reaching the milestone threshold.

    Airport Lounge Access

    With the TATA STAR Card SELECT, users get special access to premium Mastercard lounges at airports in India. You can visit these lounges for free up to 8 times a year, with a maximum of 2 visits each quarter. You can relax in a comfortable waiting area that offers refreshments and Wi-Fi before your flight.

    Fuel Surcharge Waiver

    With the TATA STAR Card SELECT, you can enjoy a fuel surcharge waiver, which means you won’t have to pay extra fees when you make fuel transactions. Whenever you purchase fuel worth between ₹500 and ₹4,000 at any petrol station in India, you get a 1% waiver on the surcharge. You can receive a maximum waiver of ₹250 per statement cycle for your credit card, helping you save money on fuel expenses.

    Fees and Charges

    Categories Fees
    Joining Fee ₹2,999 + GST
    Renewal Fee ₹2,999 + GST
    Card Replacement Fee ₹100 – ₹250
    Add-On Fee Nil

    TATA STAR Select Credit Card Review

    The TATA STAR Select Credit Card comes with attractive features like welcome vouchers, reward points, and airport lounge access. The card’s rewards program allows you to earn points on various purchases, which can be redeemed at Star Bazaar, where the value of a Reward Point is ₹1. While there are some fees and limitations to consider, such as the foreign transaction charges and the absence of dining and entertainment benefits, the overall value it offers can be valuable for frequent users.

    If you want a credit card that gives you rewards for your daily spending and offers travel benefits, consider the TATA STAR Select Credit Card.

    FAQs:

    Yes. if you spend over ₹2 lakhs in a year, you’ll receive an anniversary e-gift voucher worth ₹3,000. There are bonus vouchers worth ₹3,000 for milestone spends of ₹4 lakhs or ₹5 lakhs.

    TATA STAR Select Credit Card holders can enjoy 2 complimentary visits to premium Mastercard lounges every quarter, totaling up to 8 visits a year.

    Each Reward Point is valued at ₹1, making it easy to redeem your points for discounts or cash back on future purchases.

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