Tata Star SBI Card Review 2026: 3.5% Star Bazaar Rewards & Fees

Get 3.5% value back at Star Bazaar with the Tata Star SBI Card. Check joining fees, 1:1 reward redemption, and Tata brand benefits in our 2026 review.

Vyaya Team · Mar 2026

5 min read

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Value Score

7.8 / 10

Annual Fee

₹499

Best For

grocery-shoppers, tata-loyalists

Network

Visa

Expert Verdict

REWARD SUMMARY

1% Base Rewards
Maximize your savings on every Star Bazaar purchase.

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The Bottom Line

The Tata Star SBI Card is a specialized entry-level shopping card that offers exceptional value for those who frequently shop at Star Bazaar and other Tata outlets. With a 1:1 reward value and a low fee, it is a practical choice for household expenses. With a ₹499 annual fee that is waived on ₹1,00,000 yearly spend, it offers 0% rewards on grocery and a welcome benefit worth ₹1,000. For anyone researching tata star sbi card, the verdict is simple: recommended.

It earns a base reward rate of 1% and stacks best when your spending lines up with grocery-shoppers, tata-loyalists. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.

What we like

+High 3.5% value back at all Star Bazaar and Star Market outlets.

+Up to 5% value back at select Tata partner brands like Westside and Croma.

+Excellent 1:1 reward redemption ratio where 1 Reward Point equals ₹1.

+Welcome gift voucher of ₹1,000 effectively covers the joining fee for two years.

+Low annual fee waiver threshold of ₹1,00,000.

What we don't

–No complimentary airport lounge access in this variant.

–Rewards are most valuable only when redeemed within the Tata ecosystem.

–Base reward rate of 1% is modest for non-partner retail spends.

Who Should Get This Card

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

Best fit for

Ideal

grocery-shoppers

High value back at Star Bazaar makes it one of the best entry-level cards for monthly grocery runs.

Best value above ₹10,000/month

tata-loyalists

Accelerated rewards across Tata brands like Croma, Westside, and Titan provide significant ecosystem savings.

Best value above ₹15,000/month

Probably not for

Skip

–

frequent-travelers

Lacks lounge access and travel-specific insurance or milestone benefits.

Is It Worth It For You?

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Reward Rates

Tata Star SBI Card offers 1% basic reward rate.

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Where

Amount

₹

Grocery

Dining

International

Welcome Offer

Welcome Benefit

Value: ₹1000

Fees & Charges

Joining fee₹499

Annual fee₹499

Fee waiverSpend > ₹1,00,000

Eligibility

Min Income: ₹2.4 Lakhs
Min Credit Score: 700
Salaried individuals aged 21-70; Self-employed aged 25-70. Minimum monthly income of ₹20,000 preferred.

Exclusions & Terms

Fuel

Cash Advance

Balance Transfer

Encash

Frequently Asked Questions

3 data-backed answers from our card database

What is the value of 1 reward point on the Tata Star SBI Card?+

1 Reward Point is equal to ₹1 when redeemed at participating Tata outlets like Star Bazaar, Croma, and Westside.

Does this card offer airport lounge access?+

No, the base Tata Star SBI Card (Titanium) does not offer complimentary lounge access. You would need the 'Select' variant for that feature.

How can I get the annual fee waived?+

The annual fee of ₹499 is waived if you spend more than ₹1,00,000 in the preceding year.

Ready to apply?

₹499 fee. Excellent rewards. Apply now securely.

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