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Tamilnad Mercantile BankTamilnad Mercantile Bank

TMB Titanium Credit Card

Lifestyle
Welcome offerZero joining fee for the first year
Annual fee
₹ 250
Reward rate
0 reward points per ₹100
Credit score
700+
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Free to apply via CardGuruji · subject to issuer approval

TMB Titanium Credit Card
VisaMastercard
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

0 reward points per ₹100

Entry-tier card with no standard rewards engine. Benefits include interest-free credit period and contactless payments.

Reward currency
Points
Card network
Visa · Mastercard
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • Interest-free credit up to 45 days

  • Contactless EMV technology

  • Personalized photo on card

  • Flexible credit limits

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Zero joining fee

  • Interest-free credit period

  • Contactless payment support

What to watch out for

  • No rewards points

  • Annual fee applies from year 2

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹250Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
₹500
Foreign currency markup
3.5% of transaction value
Late payment
₹1,000 to ₹1,500 based on due amount
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
2% per month
Balance transfer
2% per month
Cash advance
2% per month

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Tamilnad Mercantile Bank before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

700+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of Tamilnad Mercantile Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about TMB Titanium Credit Card

Everything you need to know about TMB Titanium Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for TMB Titanium Credit Card is nominal, and the annual renewal fee is ₹250 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for TMB Titanium Credit Card from Tamilnad Mercantile Bank, a CIBIL score of 700 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

TMB Titanium Credit Card is designed to reward everyday spends. It currently features: "Zero joining fee for the first year". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via Tamilnad Mercantile Bank's rewards portal.

TMB Titanium Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for TMB Titanium Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.