State Bank of India Tata Card SELECT Credit Card Review
Formerly the Tata Platinum SBI Card — Empower Points across Tata brands
The State Bank of India Tata Card SELECT has a ₹2,999 annual fee + GST. It earns 1% back on regular spends and up to 5% on Westside. Best for: tata-brand loyalists who shop at westside/croma/tanishq and value in-store redemption — our verdict: conditional.
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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.
Formerly the Tata Platinum SBI Card — Empower Points across Tata brands
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.
Who Should Get This Card
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Best fit for
IdealRegular shoppers at Westside, Croma, Tanishq, Star Bazaar or Tata CLiQ who will actually redeem points in-store
Households with heavy grocery, departmental-store and dining spends who can use the flat 3X
Probably not for
SkipAnyone who wants flexible cashback or statement credit — Empower Points are locked to Tata brands
Light spenders who can't justify the un-waivable Rs 2,999 fee
People who rely on UPI credit-card payments — this card doesn't support them
Is It Worth It For You?
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Reward Rates
Tata Card SELECT offers 1% basic reward rate.
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Welcome Offer
Rs 3,000 e-gift voucher from Yatra, Hush Puppies/Bata, Aditya Birla Fashion or Westside on card issuance (official trigger condition not published).
Milestone Benefits
Rs 3,000 e-gift voucher on Rs 4 lakh annual spends
Additional Rs 3,000 e-gift voucher on Rs 5 lakh annual spends
Rs 3,000 anniversary e-gift voucher on Rs 2 lakh spend in the previous year
Fees & Charges
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+.
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Frequently Asked Questions
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Ready to apply?
₹2,999 annual fee. Apply on the State Bank of India website.
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