Travel on Points

TATA STAR Select Credit Card

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  • Joining fee

    ₹2,999 + GST

  • Annual fee

    ₹2,999 + GST

  • Best suited for

    Shopping

  • Reward type

    Reward Points

Rewards

  • 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

  • Reward redemption

    1 RP = ₹1

Benefits

  • Domestic lounge

    2 complimentary visits every quarter

Fees & charges

  • 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

Product highlights

  • 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 & cons

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.

FAQs

Are there any benefits to spending milestones?

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.

What kind of airport lounge access do I get?

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

What is the value of the rewards I earn?

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