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SBI Tata Card SELECT Review 2026: Fees, Rewards & Tata Benefits

Explore the SBI Tata Card SELECT features: 5% value back at Tata outlets, 8 domestic lounge visits, and ₹3,000 welcome vouchers. Is it worth the ₹2,999 fee?

Vyaya Team · Mar 2026
5 min read
Value Score
7.8 / 10
Annual Fee
₹2,999
Best For
Tata Loyalist, High Spender
Network
Visa
Expert Verdict

The SBI Tata Card SELECT is a premium lifestyle card designed for users deeply integrated into the Tata brand ecosystem. It offers excellent value through direct cashback-like points and high-value milestone vouchers, effectively neutralizing the fee for active users.

SBI Card - Tata Card SELECT credit card by SBI Card - Visa network
REWARD SUMMARY
1% Base Rewards
A world of rewards with the power of Tata.
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The Bottom Line

The SBI Card - Tata Card SELECT is the SBI Tata Card SELECT is a premium lifestyle card designed for users deeply integrated into the Tata brand ecosystem. It offers excellent value through direct cashback-like points and high-value milestone vouchers, effectively neutralizing the fee for active users. With a ₹2,999 annual fee, it offers fuel surcharge waiver and 1% base rewards. For anyone researching sbi tata card select, the verdict is simple: recommended.

It earns a base reward rate of 1% and stacks best when your spending lines up with Tata Loyalist, High Spender.

What we like
+High reward rate of up to 5% value back at select Tata outlets.
+Generous welcome and anniversary gift vouchers worth ₹3,000 each.
+1 Empower Point equals ₹1, offering simple and high-value redemption.
+Accelerated 3x rewards on grocery, dining, and international spends.
+Comprehensive domestic lounge access with 8 complimentary visits annually.
What we don't
High annual fee of ₹2,999 with no direct spend-based waiver mentioned for the fee itself (only voucher renewal).
International lounge visits are not complimentary despite Priority Pass membership.
Rewards are highly optimized for the Tata ecosystem, limiting flexibility for non-Tata loyalists.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
Tata Loyalist

Maximum value back at brands like Croma, Westside, and Taj Hotels.

Best value above ₹40,000/month
+
High Spender

Milestone vouchers worth up to ₹6,000 on reaching annual spend targets of ₹4L and ₹5L.

Best value above ₹50,000/month

Probably not for

Skip
Low Spender

The high annual fee may not be justified if the ₹2 Lakh anniversary voucher threshold is not met.

International Traveler

Lack of complimentary international lounge access makes it less competitive for global travel.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

🍽️
Dining
05,000Max ₹50k
Est. Returns
✈️
Travel
010,000Max ₹1L
Est. Returns
🛒
Shopping
08,000Max ₹80k
Est. Returns
🥬
Groceries
06,000Max ₹40k
Est. Returns
Annual rewards0
Annual fee-₹2,999
Net Value (Year 1)-2,999
Net Value (Year 2+)-2,999

Sign in for personalized estimates based on your actual spending

Reward Rates

SBI Card - Tata Card SELECT offers 1% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

Flat 1% on all spends

Milestone Benefits

Spend ₹200,000

Bonus Points

Spend ₹400,000

Bonus Points

Spend ₹500,000

Bonus Points

Fees & Charges

Joining fee₹2,999
Annual fee₹2,999
Fee waiverN/A

Eligibility

  • Min Income: ₹12 Lakhs
  • Min Credit Score: 700
  • Primary applicant must be aged 21-70 years for salaried and 25-70 years for self-employed. Requires a stable source of income and good credit history.

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View Details
Annual Fee
₹2,999
₹2,999
₹2,000
Joining Fee
₹2,999
₹2,999
₹3,000
Reward Rate
1%
0.12%
0.25%
Network
Visa
Visa
Visa
Best For
Tata LoyalistHigh Spender
lifestyle-spenderfrequent-traveler
Lifestyle EnthusiastDomestic Traveler

Frequently Asked Questions

3 data-backed answers from our card database

What is the value of 1 Empower Point on the Tata Card SELECT?+

1 Empower Point is equal to ₹1. These points can be redeemed at various Tata partner outlets.

Does the SBI Tata Card SELECT offer an annual fee waiver?+

The card does not have a standard spend-based fee waiver, but it offers an anniversary gift voucher worth ₹3,000 on annual spends of ₹2 Lakh, which effectively offsets the renewal fee.

How many lounge visits are included?+

The card provides 8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter.

Ready to apply?

₹2,999 fee. Excellent rewards. Apply now securely.

Apply on SBI Card

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