Tata Card SELECT (Tata Platinum SBI Card): Fees, Rewards & Review 2026

Formerly the Tata Platinum SBI Card — Empower Points across Tata brands

Vyaya Team · Jul 2026

5 min read

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Value Score

7.2 / 10

Annual Fee

₹2,999

Best For

tata-loyalist, grocery-dining-spender

Network

Visa

Expert Verdict

The Tata Card SELECT (still widely searched as the Tata Platinum SBI Card) is a focused Tata-ecosystem rewards card. If you regularly shop at Westside, Croma, Tanishq or Star Bazaar and will redeem Empower Points in-store at Rs 1 each, the up-to-5% brand rates plus up to Rs 9,000 in annual vouchers can comfortably outrun the Rs 2,999 fee. But that fee has no spend waiver, points are locked to the Tata world with a Rs 99 redemption fee, and there's no UPI — so outside the Tata ecosystem, a SimplyCLICK or a cashback card serves you better.

STATE BANK OF INDIAVisa

Tata Card SELECT

Tap to see back →

REWARD SUMMARY

1% Base Rewards
Formerly the Tata Platinum SBI Card — Empower Points across Tata brands

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The Bottom Line

The Tata Card SELECT is built for tata-loyalist and grocery-dining-spender. With a ₹2,999 annual fee, it offers 3% rewards on grocery and a welcome benefit worth ₹3,000. For anyone researching tata platinum sbi card, this card makes the most sense if your spending matches tata-loyalist and grocery-dining-spender.

It earns a base reward rate of 1% and stacks best when your spending lines up with tata-loyalist, grocery-dining-spender.

What we like

+Up to 5% back as Empower Points at Westside, plus strong rates across Titan, Star Bazaar and other Tata brands

+3X points (3%) on grocery, departmental stores, dining and international spends

+Empower Points are worth a flat Rs 1 each with instant in-store redemption at Tata outlets

+8 complimentary domestic lounge visits a year, with no spend condition

+Up to Rs 9,000 in annual e-gift vouchers via welcome, milestone and anniversary benefits

What we don't

–Rs 2,999 annual fee with NO spend-based waiver — you pay it every year

–Points redeem only inside the Tata ecosystem; no cash or statement-credit option

–Rs 99 fee on every redemption request, and points expire in 2 years

–Cannot be linked to UPI (Visa/Mastercard only), and fuel earns nothing

–Tata-outlet points accrue via a merchant-ID list on a best-effort basis, so some stores miss

Who Should Get This Card

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

Best fit for

Ideal

tata-loyalist

Regular shoppers at Westside, Croma, Tanishq, Star Bazaar or Tata CLiQ who will actually redeem points in-store

Best value above ₹20,000/month

grocery-dining-spender

Households with heavy grocery, departmental-store and dining spends who can use the flat 3X

Best value above ₹25,000/month

Probably not for

Skip

–

cashback-seeker

Anyone who wants flexible cashback or statement credit — Empower Points are locked to Tata brands

–

low-spender

Light spenders who can't justify the un-waivable Rs 2,999 fee

–

upi-user

People who rely on UPI credit-card payments — this card doesn't support them

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.

Reward Rates

Tata Card SELECT offers 1% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

Where

Amount

₹

Grocery

Dining

International spends

Westside

Titan

Star Bazaar

3.5%

Croma

Tanishq

Tata CLiQ

Landmark

Welcome Offer

Welcome Benefit

Rs 3,000 e-gift voucher from Yatra, Hush Puppies/Bata, Aditya Birla Fashion or Westside on card issuance (official trigger condition not published).

Value: ₹3,000

Milestone Benefits

Spend ₹4,00,000Value: ₹3,000

Rs 3,000 e-gift voucher on Rs 4 lakh annual spends

Spend ₹5,00,000Value: ₹3,000

Additional Rs 3,000 e-gift voucher on Rs 5 lakh annual spends

Spend ₹2,00,000Value: ₹3,000

Rs 3,000 anniversary e-gift voucher on Rs 2 lakh spend in the previous year

Fees & Charges

Joining fee₹2,999

Annual fee₹2,999

Fee waiverN/A

Eligibility

Min Income: ₹3 Lakhs
Min Credit Score: 750
SBI Card publishes no official income/age criteria for this card. Indicative (third-party): age 18+ (21+ in practice), Indian resident, ~Rs 25,000+ net monthly income (salaried), CIBIL ~750+.

Compare with Alternatives

Feature

Tata Card SELECT

State Bank of India

Current Card

SBI Tata Neu Infinity

State Bank of India

View Details

SimplyCLICK SBI Card

State Bank of India

View Details

SBI Cashback Card

State Bank of India

View Details

Tata Neu Infinity HDFC Bank Credit Card

HDFC Bank

View Details

Annual Fee

₹2,999

₹1,499

₹499

₹999

₹1,499

Joining Fee

₹2,999

₹1,499

₹499

₹999

₹1,499

Reward Rate

1.5%

0.25%

1.5%

Network

Visa

RuPay

Visa

Best For

tata-loyalistgrocery-dining-spender

Tata ecosystem userBudget traveller

Online shopperFirst-time card user

Online shopperSimplicity seeker

Tata ecosystem spenderValue traveller

See all Shopping Credit Cards →

Frequently Asked Questions

8 data-backed answers from our card database

Is the Tata Platinum SBI Card discontinued?+

No. It is open for applications but has been renamed 'Tata Card SELECT'. The fee (Rs 2,999) and the SBI Card application path are unchanged; you'll see 'Tata Card SELECT' on the official product and apply pages.

Is Tata Card SELECT the same as the Tata Neu SBI Card?+

No. The Tata Neu Infinity/Plus SBI cards (launched April 2025) earn NeuCoins on the Tata Neu app. Tata Card SELECT earns Empower Points that you redeem at Tata brand outlets and for Tata e-gift vouchers.

What are Empower Points worth?+

1 Empower Point = Rs 1. Points are credited within about 2 working days of statement generation and expire in 2 years. A Rs 99 fee applies per redemption request.

Does the Tata Platinum / SELECT card have airport lounge access?+

Yes — 8 complimentary domestic airport lounge visits per year, capped at 2 per quarter. There is no international lounge benefit.

Is the Rs 2,999 annual fee waived on spends?+

No. The Key Fact Statement lists no spend-based fee waiver for Tata Card SELECT (only the Rs 499 classic Tata cards get a Rs 1 lakh waiver). Some third-party sites wrongly claim a waiver.

How do I redeem points at Croma or Westside?+

Instantly in-store at participating Tata outlets on a Tata EDC machine at 1 point = Rs 1, or convert points to Tata brand e-gift vouchers (Croma, Westside, etc.) via the Tata Card website or helpline.

Do fuel spends earn Empower Points?+

No. Fuel earns no points, but you get a 1% fuel surcharge waiver on transactions of Rs 500-4,000, capped at Rs 250 per statement cycle.

Can I link the Tata Card SELECT to UPI?+

No. It is issued only on Visa and Mastercard; only RuPay credit cards can be linked to UPI.

Ready to apply?

₹2,999 annual fee. Apply on the State Bank of India website.

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The Bottom Line

Who Should Get This Card

Best fit for

Probably not for

Is It Worth It For You?

Reward Rates

Quick Calculator

Welcome Offer

Milestone Benefits

Fees & Charges

Eligibility

Compare with Alternatives

Frequently Asked Questions

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