• Resolution Framework 2.0

  Q1. What is Resolution Framework 2.0?

  In view of resurgence of COVID 19, SBI Card / Tata Cards has created Resolution Framework 2.0 in line with the guidelines issued by the regulator wherein eligible customers can opt to convert the current outstanding on their card to a monthly EMI payment option at a pre-defined tenor and interest rate.

  Q2. Who is eligible for Resolution Framework 2.0?

  Customer eligibility has been pre-defined by SBI Card / Tata Cards as per guidelines issued by regulator. Kindly refer to our Resolution Framework 2.0 policy document available on our website. (https://www.tatacard.com/tata-en/resolution-framework-2-0.page)

  Q3. What is the process for initiating Resolution Framework 2.0 for customer?

  Please visit our website to apply for the Resolution Framework 2.0. Such a request shall be reviewed within 30 days and restructuring shall be offered if eligible.

  Q4.Can I apply for Resolution Framework 2.0 if one of my card account is NPA as on 31st March,2021?

  No, for availing Resolution Framework 2.0 all your card accounts need to be standard as on 31st March, 2021.

  Q5.Can I apply for Resolution Framework 2.0 only for one of my card account?

  Yes, however your other card accounts will also get blocked

  Q6.Will I be able to use my credit card after taking Resolution Framework 2.0?

  Yes, however, upon opting for the Resolution Framework 2.0 for one of your card accounts, all other cards shall be blocked for any further usage.

  Q7.When will I be able to start using my credit card?

  Accounts under Resolution Framework 2.0 shall be reviewed periodically, and reinstatement / new card shall be offered basis repayment behavior.

  Q8.How will my account under Resolution Framework 2.0 be reported to credit bureaus?

  For cardholders who opt for the Resolution Framework 2.0, their CIBIL will be updated as “Restructured due to Covid-19”. Impact on credit score will be as per the internal policies of the credit bureau.

• COVID-19 Regulatory Package

  Q1. What is the RBI moratorium on loan repayment? What is the scope of RBI’s moratorium? What kind of loans does the moratorium cover?

  RBI, vide its guideline dated May 23, 2020, has announced certain additional measures whereby it has permitted Banks / NBFCs to extend the moratorium for the period Mar-May 2020 by another three months up to August 31, 2020.

  The RBI policy statement explicitly mentions term loans, which includes home loans, personal loans, education loans, auto and any loans which have a fixed tenure. This also includes consumer durable loans, such as EMIs on mobiles, fridge, TV and credit card dues etc.

  Q2. What is the moratorium extension period?

  The moratorium extension period is of 3 months for making payment of Credit Card outstanding balance / EMIs falling due between 1 Jun 2020 and 31 Aug 2020. For EMI payments, there is no extension of tenure. Customers can choose to opt-in for the moratorium for one payment cycle at a time and all dues including interest at 3.35% per month (as per Cardmember Terms & Conditions) shall be payable by the next due date during the moratorium period.

  Q3 Am I eligible for the moratorium extension?

  Any account, whether in current or overdue status, which was not classified as NPA as on 29 Feb 2020, and also on the date of opting-in for the moratorium, shall be eligible for the moratorium extension. You can check your eligibility on the website post account login.

  All eligible cardholders wishing to avail of the moratorium extension need to opt-in for the same, at least 2 days prior to the Payment Due Date for that month date (excluding the Payment Due Date). Please note that in case you opt for the moratorium extension, you will be charged interest at the rate of 3.35% per month (as per Cardmember Terms & Conditions) on the unpaid amount and your card usage can be restricted based on internal policies.

  Q4. If I opt-in for the Moratorium, will there be a waiver of interest for the deferred payments?

  The moratorium extension is only for deferment of payment. Interest (as per Cardmember Terms & Conditions) will continue to accrue on your unpaid credit card outstanding. Cardholders can make payments towards the outstanding to avoid / minimize the levy of interest charges for this period.
  
  For example:

  If the cardholder opts-in on 5 Jun 2020, and the credit card bill is generated on 1 Jun 2020 and the cardholder chooses not to pay. Then the cardholder will be charged an applicable monthly interest. In case the cardholder doesn’t pay on 21 Jun 2020 as well, interest shall continue to accrue on the total outstanding amount for June 20.

  Sample interest calculation for various payment scenarios is illustrated below:
  
  
  

  Date	Details	Scenario 1 (Full 100% Payment)	Scenario 2 (Part 50% Payment)	Scenario 3 (Part 25% Payment)	Scenario 4 (Nil 0% Payment)
  2 May 20	Opening Balance	10,000	10,000	10,000	10,000
  22 May 20	Payment Made	10,000	5,000	2,500	-
  	Interest Charged at 3.35% (from 2nd  May to 1st Jun)	-	286	314	341
  	GST on Interest	-	52	57	61
  1 Jun 20	Total Amount Due (TAD)	-	5,338	7,870	10,403
  2 Jun 20	Opening Balance	-	5,338	7,870	10,403
  22 Jun 20	Payment Made	-	2,669	1,968	-
  	Interest Charged at 3.35% (from 2nd  Jun to 1st Jul)		150	241	344
  	GST on Interest		27	43	62
  1 Jul 20	Total Amount Due (TAD)	-	2,846	6,187	10,809
  	Total Interest Charged During 2 months of moratorium	-	436	554	685

  Q5. How do I opt-in for the moratorium extension?

  To avail of the moratorium extension, eligible customers will need to place a request on the website to opt-in for the same. Only then shall the account be enrolled in the moratorium extension and the terms of moratorium extension shall apply. Click here to place opt-in request in a few simple steps.

  In case a customer does not place a request to opt-in, terms of moratorium extension shall not apply. There shall be no auto enrolment basis missed payments during the moratorium extension period.

  Customers will be required to apply for the moratorium extension starting 20 days prior to the due date, and at least 2 days prior to the Payment Due Date (excluding the Payment Due Date) to be considered for enrollment in the moratorium extension for the given month. In case a request by the customer is placed within 2 days of the Payment Due Date, the same shall not be approved for enrolment in the moratorium extension. For example, if Payment Due Date is on 15 Jul 2020, then the request for enrolment in the moratorium extension on the website has to be placed between 25 Jun 2020 and 12 Jul 2020; if the request is placed between 13 Jul 2020 – 15 Jul 2020 or before 25 Jun 2020, the same shall not be accepted. However, for due dates till 26 Jun 2020, customers shall be allowed to place a request for moratorium extension till 21 Jun 2020.

  Q6. If I opt-in for the moratorium extension in June, will it automatically be applicable for July & August too?

  Customers will be required to opt-in to avail the benefit of the moratorium extension to defer card payments due between 1 Jun 2020 and 31 Aug 2020. Moratorium extension requests shall be valid for one payment cycle only and customers will have to re-apply for the moratorium extension again for the next payment cycle.

  Q7. I had opted for the earlier moratorium for the period Mar 2020-May 2020. Will the moratorium extension automatically continue to Jun2020-Aug 2020?

  No. All eligible cardholders wishing to avail of the moratorium extension need to opt-in for the same. Also, unlike the earlier moratorium, there shall be no auto enrolment basis missed payments during the moratorium extension period.

  Q8. Can I opt-in for the moratorium extension after my payment due date?

  Customers will be required to apply at least 2 days prior to the Payment Due Date (excluding the Payment Due Date) to be enrolled for the moratorium extension.

  Q9. Should I hold my Credit Card payments during the moratorium extension period?

  In case you opt to avail the moratorium extension for your credit card dues, you may hold the payment during moratorium extension period. However, kindly note that the moratorium extension merely defers the payment. Your credit card dues will continue to accumulate interest, other applicable charges (other than Late Payment Fee) and residual GST (as per Cardmember Terms & Conditions). Hence, we advise you to make your card payments regularly:

  • To lessen your burden from accumulation of outstanding amount;
  • To avoid interest which will continue to accrue on the outstanding amount at applicable interest rate associated with your card account
  • To ensure that your card is not restricted for usage based on internal policies

  Q10. Is this a waiver of EMIs / Credit Card Outstanding Balance or a deferment of EMIs / Outstanding Balance payment?

  This is not a waiver, but a deferment or moratorium from making payment of installments / outstanding balance falling due between 1 Jun 2020 and 31 Aug 2020. You will have to pay the entire accumulated outstanding (including EMIs) together on your next payment due date, along with the interest that shall continue to accrue on the outstanding balance of your credit card during the moratorium extension period.

  Please note, in the case of EMIs, there is no extension of tenure.

  Hence, we advise you to make card payment regularly to lessen your burden from accumulation of outstanding amount which will also include interest and GST charges and also to keep your card active for usage during the moratorium extension.

  Q11. Does the moratorium extension cover both principal and interest?

  Yes. It does. Instalments will include the following payments falling due between 1 Jun 2020 and 31 Aug 2020: (i) principal and/or interest components; (ii) Equated Monthly instalments; (iii) credit card dues.

  As per RBI guidelines, interest will continue to accrue on your credit card outstanding balance.

  In case you choose to opt-in for the moratorium extension, your card usage/limit may be restricted based on periodic review of your account.

  Q12. Will there be Late Payment Charges (LPC) and Interest charges along with GST on my Tata Credit Card if I miss to pay Minimum Amount Due?

  RBI moratorium guidelines clearly says, “Interest shall continue to accrue on the outstanding portion of the term loan during the moratorium period”. While we will not charge you LPC and its residual GST, but a non-payment will accrue interest on your outstanding amount and applicable charges (as per Cardmember Terms & Conditions).

  Q13. What will happen to my credit score on non-payment of outstanding during three months moratorium extension?

  Credit bureau score is calculated based on proprietary models of individual credit bureaus and we will not be able to comment on the impact of the moratorium extension on the credit score. As per RBI, rescheduling of payments, including interest, due to moratorium extension will not qualify as a default for the purposes of supervisory reporting and reporting to Credit Information Companies (CICs).

  Q14. My Credit Card payment is due soon. Should I hold the payment?

  In case you opt to avail the moratorium extension for your credit card dues, you may hold the payment during moratorium extension period. However, kindly note that the RBI’s moratorium package merely defers payment. Your credit card dues will continue to accumulate interest and residual GST (as per Cardmember Terms & Conditions). Hence, we advise you to make card payment regularly to lessen your burden from accumulation of outstanding amount which will also include interest and GST charges.

  In case you choose to opt-in for the moratorium extension, your card usage/limit may be restricted based on periodic review of your account.

  Q15. Will the moratorium extension impact my card services?

  In case you choose to opt-in for the moratorium extension, your card usage/limit may be restricted based on periodic review of your account.

  We advise you to make card payment regularly to lessen your burden from accumulation of outstanding amount which will also include interest and GST charges (as per Cardmember Terms & Conditions).

  Q16. Will my credit card statement get generated?

  Yes, your credit card statement will continue to get generated and will be sent to you. The statement will include past dues, EMIs and new charges (including usage, interest levied due to the deferral of payment during the moratorium). The interest will be calculated from the date of individual transactions till the statement date.

  Q17. I have already missed the payment for the month of June’20. Will I be eligible for a moratorium?

  Customers will be required to apply for the moratorium extension starting 20 days prior to the due date, and at least 2 days prior to the Payment Due Date (excluding the Payment Due Date) to be considered for enrollment in the moratorium extension for the given month. In case a request by the customer is placed within 2 days of the payment due date, the same shall not be approved for enrolment in the moratorium extension. For example, if Payment Due Date is on 15 Jul 2020, then the request for enrolment in the moratorium extension on the website has to be placed between 25 Jun 2020 and 12 Jul 2020; if the request is placed between 13 Jul 2020 – 15 Jul 2020 or before 25 Jun 2020, the same shall not be accepted. However, for due dates till 26 Jun 2020, customers shall be allowed to place a request for moratorium extension till 21 Jun 2020.

  We advise you to make card payment regularly to lessen your burden from accumulation of outstanding amount which will also include interest and GST charges (as per Cardmember Terms & Conditions).

  Q18. Will the moratorium extension be applicable to new Tata Card customers?

  Customers whose Tata Credit Card accounts have been created (and thus have been issued new credit cards) on or after 1 Mar 2020 will not be eligible for moratorium extension.

  Q19. Why has Tata Card charged me Late Payment Charge during the moratorium extension period?

  Dear Cardholder, as per policy, Late Payment Charges will be waived off for customers where the request for opt-in has been approved for that payment cycle. All other charges will continue to accrue during the moratorium extension period. We are currently in the process of reversing Late Payment Charges for approved list of customers and the same would reflect in their next statement.

  Q20. I had opted-in for the moratorium extension, yet why have I been charged Interest / Annual Fee by Tata Card?

  Dear Cardholder, as per policy, only Late Payment Charges will be waived off for eligible customers opting for the moratorium. All other charges will continue to accrue during the moratorium extension period.

  Q21. I had made payment towards my card outstanding and yet you have deducted the outstanding balance through Auto Debit from my account?

  Dear Cardholder, in case you have made payment towards your card outstanding and the outstanding amount has also been deducted from your account through Auto Debit, we would request you to kindly call our helpline for Credit Balance Refund. We regret the inconvenience caused.

• Balance Transfer

  Q 1. What is Balance Transfer (BT)?

  Balance Transfer (BT) facility on Tata Card enables the cardholders to transfer their outstanding credit balances from any other credit card, issued by a different bank, to their Tata Card at lower rates of interest.

  Q 2. How can I book BT?

  You can book BT in 3 simple ways, as per your convenience:

  • Log on to your Tata Card online account
    • Click on the ‘Benefits’ link on left hand navigation and select ‘Balance Transfer’
    • Enter details & confirm to book BT instantly
  • SMS BT to 56767
  • Call up our Tata Card helpline at 3902 3456 (prefix local STD code) / 1800 180 8282 (from BSNL/MTNL lines)

  Q 3. What are the plans available for BT?

  Currently there are 2 plans available for BT:

  Tenure	Rate of Interest	Processing Fee
  60 days	0% per month	2% or Rs. 199 (whichever is higher)
  6 months	1.7% per month	Nil

  Q 4. Can I avail BT on my other Tata Card?

  No, you cannot book BT for another Tata Card that you own.

  Q 5. For which all credit cards can I avail BT for?

  You can avail balance transfer for all credit cards, issued by different banks in India.

  Q 6. What is the amount of Balance Transfer I can avail with BT service?

  You can book balance transfer for a minimum amount of Rs. 5,000 to a maximum of 75% of your available credit limit. Your maximum limit available for BT booking will be communicated to you at the time of booking.

  Q 7. Can I ask for a cheque for the BT amount?

  For Balance Transfer booked for VISA Credit Cards, the BT amount will be transferred online through Visa Money Transfer.For all credit cards other than VISA, you will get a cheque for the BT amount.

  Q 8. Within how many days will I get the cheque for BT amount that I have booked?

  If you reside in a metro, your cheque will be delivered in 3 working days. For other locations, the delivery may take 5 working days.

  Q 9. I am an Add-on card holder, can I book BT on my card?

  No, BT on EMI can only be booked on a primary card.

  Q 10. Can I book BT on EMI on my Tata Card for my friends’ or relatives’ credit cards from other banks?

  No, Balance Transfer facility can only be availed for cards that the primary cardholder owns in his/her name.

  Q 11. I have already taken BT for the amount that I was eligible for. Now I want to book another BT, how can I do it?

  If you have availed the BT for maximum eligible amount, then you cannot book the service again till you have paid the BT booked on your Tata Card in full or parts OR your existing credit limit gets extended. If you repay the BT booked in parts, you can book another BT for this amount (Please refer to the Order of Payment Settlement to understand how the amount paid by you against your Tata Card outstanding is settled). Do note that at any given point in time, BT booking on your account cannot exceed 80% of your total Credit Limit.

  Q 12. What is the cancellation procedure for BT?

  You can call the Tata Card helpline on the below mentioned numbers in order to cancel your BT  booking:
  From all phones : 3902 3456 (prefix local STD code)
  From BSNL/MTNL lines: 1800 180 8282

  If you cancel the BT booked within 45 days of booking, then all the fees and interest charged by SBICPSL along with BT amount will be reversed. Fees and charges will not be reversed if the cancellation takes place after 45 days. Please note, the charges will not be reversed once the cheque has been encashed by you.

  Q 13. Is the cancellation process is same for all the other bank cards?

  If you have booked the BT for a Master credit card and the amount has been transferred online through Visa Money Transfer (VMT), the BT once booked cannot be cancelled. In case the BT has been booked for a credit card other than Master and the amount has been transferred through cheque - you can call the Tata Card helpline to cancel your BT booking.

• Balance Transfer on EMI

  Q 1. What is Balance Transfer on EMI (BT on EMI)?

  Balance Transfer on EMI (BT on EMI) facility on Tata Card enables the cardholders to transfer balances from any other credit card to their Tata Card at low rates of interest and pay back in EMIs.

  Q 2. How can I avail BT on EMI service?

  You can book BT on EMI in 2 simple ways as per your convenience:

  • Log in to your Tata Card online account
    • Click on the ‘Benefits’ link on left hand navigation and select ‘Balance Transfer on EMI’
    • Enter details & confirm to book BT on EMI instantly
  • Call up our Tata Card helpline at 3902 3456 (prefix local STD code) /1800 180 8282 (from BSNL/MTNL lines)

  Q 3. What are the plans available for BT on EMI?

  Currently there are two plans available for BT on EMI:

  Tenure	Rate of Interest	Processing Fee
  3 months	0.75% per month	1.5% or Rs. 199 (whichever is higher)
  6 months	1.27% per month	1.5% or Rs. 199 (whichever is higher)

  
  Q 4. Can I book BT on EMI on my other Tata Card?

  No, you cannot book BT on EMI on another Tata Card that you hold.

  Q 5. For which cards can I avail BT on EMI?

  You can avail balance transfer for all credit cards, issued by different banks in India.

  Q 6. What is the amount of Balance Transfer I can avail with BT on EMI service?

  BT on EMI can be booked for a minimum amount of Rs. 5,000 to a maximum of 75% of available credit limit. Your maximum limit available for BT on EMI booking will be communicated to you at the time of booking.

  Q 7. How will the amount of BT on EMI booked be transferred?

  For BT on EMI booked for VISA credit cards, the amount will be transferred online. For all credit cards other than Visa, you will receive a cheque.

  Q 8. I have recently changed my address; can I book BT on EMI?

  Yes, you can request for Balance Transfer on EMI even if there is a change in address. However, your BT on EMI booking request will be processed only after the new address has been successfully verified. If the verification check is unsuccessful, your BT booking request will not be processed.

  Q 09. Can I book BT on EMI on my Add-on card?

  No. BT on EMI can only be booked on a primary card.

  Q 10. Can I book BT on EMI on my Tata Card for my friends’ or relatives’ credit cards from other banks?

  No, BT on EMI can only be booked on a primary card.

  Q 11. Can I repay the amount due before the EMI tenure ends?

  Yes. You can repay the amount before the EMI tenure ends. There is a fee of 3% on the outstanding principal + GST will be charged.

  Q 12. What is the cancelation procedure for BT on EMI?

  You can call the Tata Card helpline on the below mentioned numbers in order to cancel your BT on EMI booking:
  From all phones: 3902 3456  prefix local STD code
  From BSNL/MTNL lines: 1800 180 8282

  If you cancel the BT on EMI booked within 45 days of booking, then all the fees and interest charged by SBICPSL along with BT on EMI amount will be reversed. Fees and charges will not be reversed if the cancellation takes place after 45 days. Please note, the charges will not be reversed once the cheque has been encashed by you.

  Q 13. Is the cancellation process same for all the other bank cards?

  If you have booked the BT on EMI for a VISA credit card and the amount has been transferred online through Visa Money Transfer (VMT), the BT on EMI once booked cannot be cancelled. In case the BT on EMI has been booked for a credit card other than VISA and the amount has been transferred through cheque, you can call the Tata Card helpline to cancel your BT on EMI booking.

• Flexipay

  Q 1. What is Flexipay?

  Flexipay is a facility offered to existing Tata credit cardholders to convert their big purchases into easy monthly instalments. Any Tata Card holder, with a transaction greater than Rs. 500 can convert the said transaction into Flexipay within 30 days. Please note delinquent or blocked card holders would not be able to avail this service.

  Q 2. How can I book Flexipay?

  You can convert your transaction into Flexipay instantly in 2 simple ways:

  • Log on to your Tata Card online account
    • Click on ‘Flexipay’ under the Benefits section on the left hand navigation
    • Select the transaction(s) > Rs. 500 you want to convert into Flexipay, select the tenure and rate of interest and confirm the booking. This may vary in case of specific offers.
  • Call the Tata Card helpline to book Flexipay
    • 3902 3456 (prefix local STD code)
    • 1800 180 8282  (for BSNL/MTNL lines)

  Your request to convert your transactions into Flexipay will be processed within 5 working days. We will also send you a confirmation SMS on your registered mobile number.

  Q 3. Can I convert all my card transactions into Flexipay?

  You can convert transactions that meet the following criteria:

  • Retail purchases done using your Tata Credit Card
  • Transactions that were done within last 30 days
  • Transactions, whose value is greater than Rs. 500. This may vary in case of specific offers.
  • Multiple retail transactions, whose value is greater than Rs. 500 can be converted into a single Flexipay plan. This may vary in case of specific offers.
  • Minimum booking amount Rs. 2500

  You cannot convert the following to Flexipay:

  • Interest, fees, fuel or any other charges levied on your card
  • Gold purchases, including jewelry transactions cannot be converted to Flexipay, as per the guidelines issued by the Reserve Bank of India

  Q 4. What is the minimum booking amount for Flexipay?

  The minimum booking amount for Flexipay is Rs. 2,500. This may vary in case of specific offers.

  Q 5. What is the interest rate applicable for Flexipay?

  The interest rate applicable on Flexipay might vary from offer to offer and time to time. You can visit our website or call Tata Card helpline to know about the Flexipay rates .

  Q 6. Are there any processing charges for booking Flexipay?

  Yes, you need to pay a processing fee of 2% of the amount converted to Flexipay, subject to a minimum of Rs. 249 and a maximum of Rs. 1,500 + corresponding Applicable Taxes.

  Q 7. What are the different tenures available for booking Flexipay?

  Flexipay can be booked for a period of 6, 9, 12 or 24 months. 36 months tenure is also available, however it can only be availed for booking amount greater than or equal to Rs. 30,000.

  Q 8. How do I know how much Flexipay amount I can book?

  Flexipay can be booked for a minimum amount of Rs. 2,500. The maximum amount would be determined by your retail balance and the available credit limit at the time of booking.

  Please call up Tata Card helpline for more details.

  Q 9. I am an add-on cardholder. Can I book Flexipay on my card?

  No, Flexipay can only be booked on a primary card.

  Q 10. How and when would the Flexipay installment be billed?

  Flexipay installments would be billed as a part of the monthly card statement. The first installment would reflect in the first card statement generated after you have booked Flexipay.

  Q 11. Can I cancel or pre-close my Flexipay request?

  You can place a request for cancellation by calling the Tata Card helpline. If the cancellation request is placed within 45 days of booking, no charges would be levied on the card account.

  In the event of cancellation request being placed post 45 days of booking, a cancellation fee of 3% of the outstanding principal would be levied on the account.

  If you wish to fore-close the Flexipay booking done by you before the completion of the tenure, the outstanding principal amount would be moved to retail plan and a fore-closure fee of 3% of the outstanding principal would be levied on your Tata Card.

• Encash

  Q 1. What is Encash?

  Encash is a pre-approved, money- on- demand facility, which is offered to a select set of Tata credit cardholders. The Encash amount that a cardholder would be eligible for can be over and above the existing credit limit or within the existing credit limit on the card. The mode of disbursement of the funds is through a payable-at-par cheque.

  Q 2. How can I book Encash?

  You can request for Encash instantly in 2 simple ways:

  • Log on to tatacard.com using your Tata card Online user ID and password
    • If you are eligible for Encash, you will see an "Encash" link under the Benefits section on the left hand navigation
    • Click on the link and enter the amount you wish to book Encash for, select the tenure and rate of interest and confirm the booking
  • Call the Tata Card helpline to check if you are eligible for Encash and book it
    • 3902 3456 (prefix local STD code)
    • 1800 180 8282  (for BSNL/MTNL lines)

  Your request for Encash will be processed within 3 working days for Metro locations and 5 working days for all other locations. We will also send you a confirmation SMS on your registered mobile number.

  Q 3. What is the minimum and maximum booking amount for Encash?

  The minimum booking amount for Encash is Rs. 10,000, which may vary in case of specific offers. The maximum booking amount is based on the offer on your account.

  Q 4. What is the interest rate applicable for Encash?

  You can log in to your Tata Card online account to check the applicable interest rate on your pre-approved Encash offer. You may also call the Tata Card helpline to get this information. Please note, the interest rates may vary with respect to time and offers.

  Q 5. Are there any processing charges for booking Encash?

  At the time of booking, a processing fee of 2% of the Encash amount will be charged. The processing fee can be a minimum of Rs. 499 up to a maximum of Rs. 3,000. Applicable Taxes would be charged extra on this amount.

  Q 6. What are the different tenures available for booking Encash?

  You can book Encash for a period of 12, 24, 36 or 48 months. The available tenures may vary with respect to time and offers. Log in to tatacard.com to know the tenure applicable to the offer on your account.

  Q 7. How will the Encash amount be disbursed to me?

  Your Encash amount will be disbursed to you through a payable-at-par cheque in your name, which would be sent to your registered address.

  Q 8. How much time will it take for the instrument to get delivered?

  The Encash cheque would ideally be delivered in 3 working days for metro locations and in 5 working days for non-metro locations.

  Q 9. I am an Add-on cardholder; can I apply for Encash on my card?

  No, Encash can only be booked on a primary card.

  Q 10. How and when would the Encash installment be billed?

  Encash installments would be billed as a part of the monthly card statement. The first installment would reflect in the first card statement that will be generated after your Encash booking.

  Q 11. Can I cancel or pre-close my Encash request?

  You can place a request for cancellation of your Encash booking by calling the Tata Card helpline. If the cancellation request is placed within 45 days of booking, no charges would be levied on your Tata Card account.

  In the event of the cancellation request being placed post 45 days of booking, or if the Encash cheque or instrument has been banked, a cancellation fee of 3% of the outstanding principal would be levied on the account.

  If you wish to fore-close your Encash booking before the completion of the tenure, the outstanding principal amount would be moved to a retail plan and a foreclosure fee of 3% of the outstanding principal would be levied on your Tata Card.

• Easy Money

  Q 1. What is Easy Money?

  Easy Money facility on Tata Card empowers the cardholders to avail funds for short term at low rate of interest. The funds get delivered at your doorstep in the form of a cheque.

  Q 2. How can I book Easy Money?

  You can book Easy Money in 2 simple ways:

  • Log in to your Tata Card online account
    • Click on the ‘Benefits’ link on the left hand navigation and select ‘Easy Money’
    • Enter details and confirm to book Easy Money instantly
  • Call up our Tata Card helpline at 3902 3456 (prefix local STD code) / 1800 180 8282 (from BSNL/MTNL lines)

  Q 3. What are the plans available for Easy Money?

  Currently, there is only 1 plan available for Easy Money:

  Tenure	Rate of Interest	Processing Fee
  45 days	2.45% per month	1.5% or Rs. 199 (whichever is higher)

  Q 4. How much money can I avail using this facility?

  Easy Money can be booked for a minimum amount of Rs. 5,000 to a maximum of up to 75% of your available cash limit.

  Q 5. Can I ask for a cheque or NEFT transfer for the Easy Money amount?

  Yes, both NEFT & Cheque mode are available for Easy money facility. Through NEFT, funds will be transferred within 48 hours, however, a cheque will be delivered within 3 or 5 working days, if you reside in a metro or other cities respectively.

  Q 6. I have recently changed my address; can I book Easy Money?

  Yes, you can request for Easy Money even if there is a change in address. However, your Easy Money booking request will be processed only after the new address has been successfully verified. If the verification check is unsuccessful, your Easy Money booking request will not be processed.

  Q 7. I am an add-on cardholder; can I book Easy Money on my card?

  No. Easy Money can only be booked on a primary card.

  Q 8. I have already taken Easy Money for the amount that I was eligible for and now I want to book another Easy Money, how can I do it?

  If you have already booked Easy Money for maximum eligible amount, you can book Easy Money only after you have paid back the amount of Easy Money booked in parts or full OR your cash limit gets extended. If you repay the Easy Money booked in parts, you can book another Easy Money for this amount (Please refer to the Order of Payment Settlement to understand how the amount paid by you against your Tata Card outstanding is settled). Do note that at any given point in time, Easy Money booking on your account cannot exceed 75% of your available Cash Limit.

  Q 9. What is the cancellation procedure for Easy Money?

  You can call the Tata Card helpline on the below mentioned numbers in order to cancel your Easy Money booking:
  From all phones: 3902 3456 prefix local STD code
  From BSNL/MTNL lines: 1800 180 8282

  If you cancel the Easy Money booked within 45 days of booking, then all the fees and interest charged by SBICPSL along with Easy Money amount will be reversed. Fees and charges will not be reversed if the cancellation takes place after 45 days. Please note, the charges will not be reversed once the cheque has been encashed by you.

• Easy Money on EMI

  Q 1. What is Easy Money on EMI?

  Easy Money facility on Tata Card empowers the cardholders to avail funds for short term at low rate of interest. The funds get delivered at your doorstep in the form of a cheque.

  Q 2. How can I book Easy Money on EMI?

  You can book Easy Money on EMI in 3 simple ways:

  • Log in to your Tata Card online account
    • Click on the ‘Benefits’ link on the left hand navigation and select ‘Easy Money on EMI’
    • Enter details and confirm to book Easy Money on EMI instantly
  • Call up our Tata Card helpline at 3902 3456 (prefix local STD code) / 1800 180 8282 (from BSNL/MTNL lines)

  Q 3. What are the plans available for Easy Money on EMI?

  Currently, there is only 1 plan available for Easy Money on EMI:

  Tenure	Rate of Interest	Processing Fee
  3 & 6 Months	20%	3% or Rs. 299 (whichever is higher)

  Q 4. How much money can I avail using this facility?

  Easy Money on EMI can be booked for a minimum amount of Rs. 5,000 to a maximum of up to 85% of your available cash limit.

  Q 5. Can I ask for a cheque or NEFT transfer for the Easy Money on EMI amount?

  Yes, both NEFT & Cheque mode are available for Easy money on EMI facility. Through NEFT, funds will be transferred within 48 hours, however, a cheque will be delivered within 3 or 5 working days, if you reside in a metro or other cities respectively.

  Q 6. I have recently changed my address; can I book Easy Money on EMI?

  Yes, you can request for Easy Money on EMI even if there is a change in address. However, your Easy Money on EMI booking request will be processed only after the new address has been successfully verified. If the verification check is unsuccessful, your Easy Money booking request will not be processed.

  Q 7. I am an add-on cardholder; can I book Easy Money on EMI on my card?

  No. Easy Money on EMI can only be booked on a primary card.

  Q 8. I have already taken Easy Money on EMI for the amount that I was eligible for and now I want to book another Easy Money on EMI, how can I do it?

  If you have already booked Easy Money on EMI for maximum eligible amount, you can book Easy Money on EMI only after you have paid back the amount of Easy Money on EMI booked in parts or full OR your cash limit gets extended. If you repay the Easy Money on EMI booked in parts, you can book another Easy Money on EMI for this amount (Please refer to the Order of Payment Settlement to understand how the amount paid by you against your Tata Card outstanding is settled). Do note that at any given point in time, Easy Money on EMI booking on your account cannot exceed 75% of your available Cash Limit.

  Q 9. What is the cancellation procedure for Easy Money on EMI?

  You can call the Tata Card helpline on the below mentioned numbers in order to cancel your Easy Money on EMI booking:
  From all phones: 3902 3456 prefix local STD code
  From BSNL/MTNL lines: 1800 180 8282

  If you cancel the Easy Money on EMI booked within 45 days of booking, then all the fees and interest charged by SBICPSL along with Easy Money on EMI amount will be reversed. Fees and charges will not be reversed if the cancellation takes place after 45 days. Please note, the charges will not be reversed once the cheque has been encashed by you.

• Card Protection Plan

  Q 1. Who/ what is CPP?

  CPP is India’s first comprehensive card protection company, which covers the customer’s card in the event of card loss or stolen. CPP India is a subsidiary of CPP group headquartered in UK.

  Q 2. How can I contact CPP?

  You can contact us by calling the following contact numbers:

  • 6000-4000 (prefix city STD code)
  • 1800 419 4000 (toll-free)

  Q 3. What do I do if my cards are lost or stolen?

  Simply call 6000-4000 ( prefix city STD code) and inform us about the cards that are missing. We will coordinate with banks and block all your missing cards.

  Q 4. Which lost or stolen cards will be blocked?

  All your lost or stolen debit or credit or ATM cards of all banks or card issuers issued in India will be blocked.

  Q 5. What is the registration process?

  After paying the fee, CPP will dispatch a welcome kit to you with your unique membership number on the same. There will also be a registration form that you need to fill and send back to CPP. Alternatively, you can call up CPP call centre to register your cards and documents.

  Q 6. Why should I get my Driving License & Passport Number registered?

  In case you need your DL or Passport card number & you are not carrying them so just call us and we will provide you the required numbers.

  Q 7. Why do need to register all my financial cards?

  In case you lose all your cards, it will be easier for you and us to get the cards blocked ASAP.

  Q 8. Does CPP cover my unregistered cards as well?

  Yes, all registered and unregistered card under your name are covered under CPP membership.

  Q 9. Do I have to repay the emergency travel assistance?

  Yes, within 28 days.

  Q 10. Do I have to pay any interest charges for advances in emergency travel assistance?

  No, advances don’t attract any interest fee.

  Q 11. I have lost all my cash along with my cards, and I don't have any cash with me. Can I get help?

  Yes, CPP can help you in this emergency. Just call us on our 24 X 7 helpline numbers 1800-419-4000 or 6000-4000 (affix STD code) and we will facilitate an emergency cash advance of up to Rs. 20,000.

  Q 12. How many cards can I register with CPP? How many cards can be blocked?

  You can register all credit/debit cards with CPP that you hold. Also in event of loss, and should you want to block all of them, we will block all of them. There is no upper limit on card registration.

  Q 13. In how much time will my claim be processed once I sent the documents?

  Within 15 working days Insurance Company will approve/reject the claim & within 7 days we will send you the cheque (in case the claim is approved).

  Q 14. What happens if I do not send the required documents within 74 days of reporting the fraud?

  The claim will be cancelled.

  Q 15. What is the coverage scope of CPP membership – Is it only in India?

  All your features of card protection (except emergency cash) are provided whether you are in India or abroad.

  Q 16. What do I do if I lose my PAN card along with my other cards?

  In case your PAN card is lost along with your cards and cash, we will facilitate free replacement of your PAN Card. All you need to do is send your necessary documents to us to coordinate on your behalf. This service is provided free of cost to you.

• TATA Card Online

  Q1. How can I access the new Tata Card website? Do I need a new username and password for the new website?

  The process of logging in to the new Tata Card website remains unchanged. You can use your existing Tata Card online user id & password to manage your Tata Card account online.

  Q2. How can I get a username and password to access my Tata Card account?

  In order to access your Tata Card online account, you need to register with tatacard.com. Follow these simple steps to register:

  If you do not have a user ID, click here to register in 4 simple steps:

  • Go to tatacard.com and click on ‘First time user’ link
  • Enter your Tata Card no., CVV no. & Date of Birth
  • Your One Time Password (OTP) will be sent on your registered mobile no. & e-mail id. This OTP is valid for 30 min. or one successful usage
  • Enter your OTP correctly to set your user id & password and complete the registration process

  Q3. I have started the registration process and entered my card details incorrectly, 5 times in succession. Now my account is locked. What does this mean?

  This means that your account has been locked, for your own security, from making any more attempts to register on Tata Card website to create your Tata Card online user id & password. However, you can continue to use your Tata Card for transactions. To get your Tata Card online account unlocked and complete the registration process, please call the Tata Card helpline.

  Q4. I have started the registration process but have not received the OTP yet?

  Please ensure that your mobile no. & e-mail id is correctly registered with us. If your details are updated, you may be facing some network issue on your mobile phone connection. Please click on ‘Re-send OTP’ link on the screen to have the OTP re-sent to you.

  Q5. I have received an SMS and email informing me that I have registered successfully online or I have successfully reset my credentials. However, I have not taken any action on my account. What do I do?

  If you receive any SMS or email, informing you about any activity on your tatacard.com account, which you have not performed, then you must call Tata Card helpline immediately and bring it to our notice. You can call Tata Card helpline at:

  • 3902 3456 (prefix local STD code)
  • 1800 180 8282 (from BSNL/MTNL lines)

  Q6. I have forgotten my user ID or password for my Tata Card online account. What do I do now?

  If you have forgotten your Tata Card online user ID or password, you can retrieve the same by following the process given below:

  • Go to tatacard.com and click on ‘Forgot User id/ Password’ link
  • Enter your Tata Credit Card number, CVV number and date of birth. A One Time Password (OTP) is sent on your registered mobile number and email ID. This OTP is valid for either 30 min. or one successful usage
  • Enter your OTP correctly to retrieve your user ID that has been registered on your account
  • If you remember your password, continue to ‘Log in’ or ‘Reset your password’ to continue using your online account on tatacard.com

  Q7. I have entered my User id and/ or password incorrectly 5 times and now my account has been locked. What do I do now?

  Your account has been locked, for your own security, from making any more attempts to log on to your Tata Card online account. However, you can continue to use your card for transactions.

  You can unlock your account instantly by clicking on ‘Unlock Account’ link (that appears on the screen when your account gets locked) and following 4 simple steps-

  • Click on the ‘Unlock your account’ link on the screen.
  • Enter your Tata Credit Card number, CVV number and date of birth A One Time Password (OTP) will be sent on your registered mobile number and email ID. This OTP is valid for either 30 min. or one successful usage.
  • Enter your OTP correctly to retrieve your user ID that has been registered on your account
  • If you remember your password, continue to ‘Log in’ or ‘Reset your password’ to continue using your online account on tatacard.com

  Additionally, you can call the Tata Card helpline at 3902 3456 (prefix local STD code) to get your account unlocked.

  Q8. What are the features or services available on tatacard.com?

  With tatacard.com, you can avail the below services:

  Do More -

  • Subscribe to e-statements and request for duplicate statements
  • Request for an Add-on cards
  • Block your lost or stolen cards and request for a card replacement or reissue
  • Check status of service requests raised by you through any channel- website, call-centre, or IVR
  • Book Balance Transfer on EMI, Encash, Easy money or convert your transaction into Flexipay
  • Pay your Tata Card outstanding Online
  • Redeem your Reward Points

  View More -

  • Account summary as on date
  • Card statement for the last 24 months
  • Payment History and status of payments made against your Tata Card outstanding
  • Transaction history for the last 24 months
  • Exclusive offers on your Tata Card account

  Manage More -

  • Analyse where you spend on your Tata Card and manage your Tata Card better with Spend Analyser
  • View spends and transactions done on your Add-on Cards
  • Generate or reset PIN on your primary and Add-on cards, instantly
  • Update your contact details and address instantly and manage your address for correspondence
  • Manage your utility bill payments with Tata Card

  Q9. How secure is tatacard.com?

  For us, the safety of your transaction and other details is of paramount importance. We follow a strong password and online security policy to ensure the same.

  - We have 256 bit Secure Sockets Layer (SSL) encryption technology to secure your Tata Card online activities

  - You can check the Security Certificate by clicking on the padlock icon that appears with the URL in the browser bar when you type the URL.

  - Once you have registered for Tata Card online account, your password is not generated immediately but a One Time Password (OTP) is sent across to your registered email ID and mobile number. You can access your account the first time, using that OTP as the password and reset your password subsequently.

  - When selecting the password, we prompt you to choose a password that is difficult enough to be tracked or guessed. Our password policy ensures that your password consists of,

  • a minimum length of 8 characters
  • a minimum of 1 alphabet [a-z or A-Z]
  • a minimum of 2 numbers which must be embedded i.e. the number cannot be the first or last character of the password

  Your password should not contain the username, or the username in reverse and allow but not enforce the use of Special characters [@,-,_,Space,]) and uppercase alphabets [A-Z].

  • - On the basis of character combination you have opted for, we also indicate how strong or weak your password is.
  • - The system does not allow you to recreate any of the last ten passwords.
  • - You should try using Virtual Keyboard as an additional security measure.
  • - The Tata Card online account gets automatically locked if incorrect password is typed 3 times in succession.
  • - The Tata Card online account gets automatically logged off after an inactive period of 7 minutes.
  • - When you log in to your Tata Card online account, your last log in date and time is displayed in the header bar so you can check your account for any unauthorised activity.
  • - We only display the last 4 digits of your Tata Credit Card number while communicating with you to ensure any unauthorised usage of your card.

• Simply SMS

  Q 1. What is Simply SMS?

  The Simply SMS facility lets you receive information related to your Tata Card in an SMS. You only need to SMS KEYWORD (specified for your query) XXXX where XXXX = Last 4 digits of your Tata Card number to the short-code 5676791 from your registered mobile number.

  Q 2. What are the kinds of services I can avail through the Simply SMS?

  The services that you can avail through Simply SMS are listed below, along with the keywords you need to use:

  • Balance enquiry: SMS BAL XXXX
  • Available credit and cash limit: SMS AVAIL XXXX
  • Block lost or stolen card: SMS BLOCK XXXX
  • Reward point summary: SMS REWARD XXXX
  • Last payment status: SMS PAYMENT XXXX
  • Request for duplicate statement (last 6 statements): SMS DSTMT XXXX MM, where MM is the month for which you need the duplicate statement. E.g. if you need statement for the month of March and last four digits of your card are 1234, you will send an SMS- DSTMT 1234 03 to 5676791Subscribe to E-statement: SMS ESTMT XXXX
  • Request for One Time Password (OTP) for IVR or mobile transactions: SMS OTP XXXX
  • To know the services available on Simply SMS and their respective keywords: SMS HELP

  XXXX refers to the last 4 digits of your Tata Card number.

  Please note, for every SMS request that you send to 5676791, there is a premium charge applicable. This amount goes to your telephone operator and the SMS provider. Tata Card does not charge you anything for this service. Please check with your operator to know more about the charges levied for this service.

  Q 3. Do I need GPRS to access the Simply SMS service?

  No, you do not need a GPRS connection to use this service. You can avail this service from all mobile phones using the standard SMS service.

  Q 4. Can I avail this service from any mobile number?

  No, you cannot avail this service from any mobile number. To use this service, you must send your SMS only from the mobile number registered with us, against your Tata Card.

  You can update your mobile number in 2 simple ways:

  • Through our website, tatacard.com
    • Step 1: Logon to tatacard.com with your username and password.
    • Step 2: Go to ‘My Profile’ section on left hand navigation bar, under welcome message. A contact tab will appear with prepopulated email ID and mobile number section.
    • Step 3: Click on ‘Edit’ link on the tab.
    • Step 4: Enter the new mobile number and click on ‘Generate OTP’. A One Time Password (OTP) will be sent to you on your currently registered old mobile number.
    • Step 5: Enter the OTP and click on ‘Update’. Your mobile number will be instantly updated.
  • Call the Tata Card helpline, and place a request to register or update your mobile number
    You can call Tata Card on:
    • 39 02 34 56 (prefix local STD code)
    • 1800 180 8282 (from BSNL/MTNL lines)
  • For Tata Card helpline support, please call on:
    • 39 02 34 56 (prefix local STD code) 1800 180 8282 (from BSNL/MTNL lines)

  Q 5. I have just received my upgraded Tata Card. Can I still fetch information about my old card?

  If you have upgraded your Tata Card, all details of your old card would have been migrated to your new card. You need to SMS query-specific KEYWORD XXXX, where XXXX will be last 4 digits of your new Tata Card.

  Q 6. How soon can my card be blocked once I send the request through Simply SMS?

  We will block your card, the moment we receive your card block request through SMS. We will also send you a confirmation SMS about the same. If you do not receive a confirmation SMS from us within 5 minutes of your request, please do not consider the card to have been blocked. Please call up our helpline, and get your card blocked immediately in order to avoid any misuse.

• IVR One Time Password (OTP)

  Q 1. What is an IVR transaction?

  Interactive Voice Response i.e. IVR transactions are transactions that you carry out over the telephone where you provide your Credit Card number on an automated system to make a payment to a vendor for purchase of goods, services etc. e.g Account recharge on TATA SKY helpline.

  Q 2. Is this new mandate applicable only for IVR transactions?

  No. The mandate is applicable for both IVR transactions as well as transactions done using your mobile phone through applications like Ngpay or mChek e.g. buying movie tickets via ngpay. Hence, you will need to generate this IVR One Time password (OTP) even when you are shopping through your mobile.

  Q 3. How do I get an OTP for any IVR or mobile transactions on my Tata Card?

  You will need to generate the IVR One Time Password (OTP) every time you want to transact through an IVR or mobile. You can generate the IVR OTP by any of the following 3 ways-

  • SMS ‘OTP space XXXX’ to 5676791 from your registered mobile number. XXXX = Last 4 digits of your Tata Card
  • Log on to our website - tatacard.com using your user ID and password
  • Call our OTP Helpline at 1800 180 8282 

  The IVR One Time Password (OTP) is a 6 digit numeric password that will be sent on your registered mobile number instantly. You can then use this OTP to make a payment over IVR or mobile using your Tata Card.

  Q 4. How do I use an IVR One Time Password?

  You would be required to enter your IVR One Time Password (OTP), in addition to your Tata Card no., CVV and expiry date, when prompted by the merchant IVR for IVR transactions and by the mobile application during transactions done through your mobile phone.

  Q 5. For how long is an IVR OTP valid?

  An OTP generated once is valid only for one successful transaction or 30 minutes, whichever is earlier. You will need to generate a new OTP for every new transaction.

  Q 6. What happens if I input a wrong OTP?

  You can make 3 attempts to successfully use any OTP generated on your Tata Card. In case of 3 unsuccessful attempts, you will have to regenerate a new OTP and restart the transaction.

• Rewards Redemption

  Q 1. What is the process of earning Reward Points on a card? How many points do I earn per transaction?

  The ways to earn Reward Points and the number of points per transaction depend on the type of card you own. To know the Reward Point offered by different cards, please visit our Credit Card page that lists down the benefits and privileges offered by different Tata Cards.

  Q 2. How can I check the reward point balance?

  There are 3 ways you can check your Reward Points on an Tata Card:

  • Log on to your Tata Card Online account on tatacard.com & view your reward summary
  • SMS REWARD XXXX to 5676791 from your registered mobile number where XXXX= last 4 digits of your Tata Card no
  • Your latest credit card statement carries information on how many Reward Points you have as on the statement date

  Q 3. Can I add the reward points I have on multiple cards or transfer them from one card account to another?

  No, you cannot add or transfer your Reward Points from one Tata Card to another. Reward points can be redeemed only on Tata Card on which they have been earned.

  Q 4. Do the Reward Points accrued on my card expire?

  Points accumulated that are not redeemed by the Cardholder for rewards within 12 months of his / her Enrolment Date can be carried over for another Enrolment Year. Any Points not used by the end of second such year after Enrolment shall lapse and be forfeited.

  You can know the no. of Reward Points that are expiring in a particular month by logging on to tatacard.com . This information is also mentioned in your monthly statement.

  Q 5. Can I redeem my reward points once my Tata Card is closed?

  No, you cannot redeem your reward points after the closure of your card account.

  Q 6. How much is an Empower Point worth?

  Each Empower Point is worth Re 1 For every Rs 100 spent on Tata Card, you get assured earning of 1 Empower Point and upto 5% value back.

  Q 7. How Can I maximize the benefits with my Tata Card?

  You can earn accelerated Empower Points when you shop at any of the Tata Partner Outlets including Croma, Starbazaar, Westside, Taj, etc. using Tata Card. Eg. For purchases made at Croma you earn 2 points for every Rs 100 spent, similarly at Westside you earn 5 points for every Rs 100 spent.

  Q 8. How Do I redeem my Empower Points?

  You can redeem your Empower Points at any participating Tata brand outlet. Pick a product or products of your choice, present your Tata Card and redeem the points instantly. Please swipe your Tata Card only on a Tata EDC machine for redemption of Empower Points.

• NEFT Payment

  Q 1. What is NEFT?

  National Electronic Funds Transfer (NEFT) is a service that facilitates the electronic transfer of funds from any bank account to Tata Card. You can use this service to pay your Tata Card outstanding through any bank account that allows NEFT.

  Q 2. Do all the bank branches in the country offer NEFT funds transfer facility?

  To become a part of the NEFT funds transfer network, a bank branch has to be NEFT-enabled. Currently, about 220 banks offer NEFT facility.

  Q 3. How can I know if my bank is a part of NEFT network?

  You can get the list of bank branches that are a part of NEFT funds transfer network on the website of Reserve Bank of India,

  You can also log on to your bank’s website to check if your bank allows NEFT.

  Q 4. How can I know if I am eligible to use NEFT service to pay my Tata Card dues?

  If you maintain any bank account and have an active third party transfer under net banking, you can pay your dues using NEFT facility.

  Q 5. How can I pay my Tata Card outstanding using NEFT?

  • Step 1: Log in to the net banking facility of your bank. Add Tata Cards as a beneficiary under third party transfer.
  • Step 2: Enter the IFSC code ‘SBIN00CARDS’
  • Step 3: Enter your 16-digit Tata Credit Card number in place of account number on the banking page
  • Step 4: Select Beneficiary Account type as ‘Credit Card Payment’ or ‘Savings Account’
  • Step 5 : Click ‘Submit’ button to complete your registration process.

  Q 6. Is there any limit on the amount that could be transferred through NEFT?

  There is no limit, on the amount of funds that you can transfer, using the NEFT facility.

  Q 7. What is IFSC?

  IFSC or Indian Financial System Code is an 11 digit alpha-numeric code that uniquely identifies a bank-branch participating in the NEFT system. IFSC for Tata Card is SBIN00CARDS.

  Q 8. What if the customer provides a wrong IFSC?

  The payment is transferred to the branch, whose IFSC has been provided. If you have used a wrong IFSC, the payment will get transferred to that branch. You will then need to contact the respective branch and settle the matter mutually.

  Q 9. How long will it to take for NEFT payment to reflect in my Tata Card account?

  Your payment will be credited to your Tata Card account Instantly.

  Q 10. What are the processing or service charges levied on NEFT transactions?

  The charges applicable on this service are based on the rules and regulations of your bank. There are no uniform charges that are applied for NEFT transactions.

• Paynet - Pay Online

  Q 1. What is Paynet?

  Paynet is your one stop destination to make Tata Card payment from more than 50 banks across India.

  Q 2. How do I make payment using Paynet?

  You can pay your Tata Card outstanding using Paynet by clicking here.

  Alternatively, if you are logged on to your Tata Card online account and are accessing the Paynet link, you will be securely re-directed to the Paynet site where your credit card number & the outstanding details will be auto-populated to make your life simple and ease the payment process.

  Q 3. Will I get a confirmation on successful transaction?

  After you have made the payment, an acknowledgement message will appear on your screen, displaying the status of your transaction. In case of a successful transaction, the screen displays ‘Success’, and for a failed transaction it shows ‘Failure’.

  Also, a transaction reference number appears on the acknowledgement message, which you can save and quote for the transaction related queries. Additionally, you will get an e-mail & SMS acknowledgement to the provided email ID & mobile number, while making the payment.

  Q 4. What should I do, if I’ve entered the wrong Credit Card number?

  It is recommended that you always check the Credit card number before authorizing the payment.

  However, if you have still entered a wrong credit card number and the payment is made to that card, we recommend you to call our Tata Card helpline at the earliest.
  3902 3456 (prefix local STD code)
  1800 180 8282 (for BSNL/MTNL lines)

  Q 5. How long does it take for the payment to reflect in my Tata Card account?

  Payment will reflect instantly in your Tata Card account.

  Q 6. If the bank I would like to make the payment from does not feature in the list, what should I do?

  You can still make the payment through your bank account using your bank’s NEFT facility. The IFSC code of Tata Card is SBIN00CARDS. Please click here to read more about the NEFT service.

• Electronic Bill Payment

  Q 1. What is Electronic Bill Payment?

  Electronic Bill Payment is a mode of online payment that allows you to make your Tata Card outstanding payments online, directly from your bank account through bill pay service of your bank’s netbanking, ATM or mobile.

  Q 2. Which banks are covered under the Electronic Bill Payment option?

  This service is currently available with the State Bank of India, Indian Overseas Bank, Citibank and Bank of India.

  Q 3. How can I pay through Electronic Bill Payment option?

  You can pay your bills using Electronic Bill Payment option in 4 simple steps:

  • Step 1: Go to the online banking page of your bank, from which you wish to make the payment and login to your account, using your username and password.
  • Step 2: Go to the add biller section and add ‘SBI Card’ as a biller.
  • Step 3: Please fill in the details of your credit card number, for which you wish to make payment.
  • Step 4: Check the details and click on submit to make the payment.

  Q 4. How long will it take for the amount to be credited to my Tata Card account?

  The payment will reflect instantly in your Tata Card account.

• National Automatic Clearing House

  Q 1. What is National Automatic Clearing House?

  National Automated Clearing House or NACH is an electronic mode of funds transfer from your bank account to your TATA Card account. Now there is no need to issue a cheque every month to pay your TATA Card dues. You can set NACH limit for TATA Card, by which the chosen amount will be deducted directly from your bank account every month in favor of TATA Card. The amount will be credited to your card account on the payment due date.

  Q 2. How can I set up the National Automated Clearing House?

  Step 1: Please click here to download the NACH enrollment form.

  Step 2: Print the form and fill the required details. For assistance refer to MITC Document.

  • Incomplete forms will be considered as invalid.

  Step 3: Choose any one of the 2 payment options provided in the form:

  • Total Amount Due (TAD), as per your SBI Card statement
  • Minimum Amount Due (MAD), as per your SBI Card statement
  • Fixed amount facility cannot be availed with NACH mandate

  Step 4: Complete the form and send along with a cancelled cheque (optional) to us at the following address:

  SBI Cards and Payment Services Limited P.O. Bag No.28, GPO, New Delhi – 110001.

  Post receiving the form & validating it, your NACH account will be set up and your selected amount will be paid to SBI Card on your payment due date.

  Note: Softcopies are acceptable through registered email ID only

  Q3. How do I register my e-NACH?

  Please click here for e-NACH enrolment form. 

  Step 2 : Post login go to ‘My Dashboard’ and under ‘Service’ section select ‘NACH’ tab

  Step 3 : Select the payment debit type you wish to be auto-debited every month

  • Total amount due (TAD)
  • Minimum amount due (MAD)

  Step 4 : Click on ‘Proceed’ button, you will be redirected to the registration page.

  Step 5 : Validate the pre-filled data and enter your bank details.

  Step 6 : Complete the e-Mandate form and chose one of the following options for authentication - Net-banking/Debit card.

  Step 7 : You will get Reference No. and mandate registration confirmation on screen, however NACH activation on your credit card will take 4 working days.

  Q4. Can we stop/cancel e-NACH?

  Yes, you can stop NACH service at any point of time by submitting the online request form for NACH Cancellation/Hold available on our website, in the post login section.

  Q5. What is the TAT of e-NACH registration?

  e-NACH registration is instant, but activation will take 04 working days.

  Q6. What is the limit to be set on e-NACH at the time of registration?

  Limit is the maximum amount you wish to set on your bank account for Tata Cards payment request. Your NACH payment will bounce if the payment request amount exceeded this amount while mandate registration.

  The Limit can be assigned maximum up to Rs. 10 Lakh.

  Q7. Is there any Charges for the registration?

  No, there are no charges for the e-NACH registration.

  Q8. Any eligibility criteria to apply for the service?

  There is no eligibility criteria, any customer can apply for e-NACH.

  Q9. How to change the details on existing NACH mandate ?

  For any change in existing NACH mandate, you are required re-registration after deactivation of existing mandate. For deactivation kindly refer FAQ No.10.

  Q10. How I can Cancel /Hold NACH?

  Steps for cancellation of NACH services.

  Step 1: Please click here for cancellation of NACH services.

  Step 2: Under ‘Service’ section, select NACH tab

  Step 3: Click on NACH Deactivation/Hold link

  Step 4: Please select the sub category:- NACH Cancellation or NACH Hold

  • If you select ‘NACH Cancellation’ then NACH facility on your credit card will be deactivated permanently
  • If you select ‘NACH Hold’ then NACH facility on your credit card will be on hold till further communication

  Step 5: After processing of your request, communication will be shared on your Register Mobile Number

  Q11. Does the Electronic Clearing System (ECS)/National Automated Clearing House (NACH) facility will be continue on new card?

  No! The Electronic Clearing System (ECS)/National Automated Clearing House (NACH) facility on customer’s old card will be temporarily deactivated. To continue using this facility, we would request you to send a fresh NACH application form to SBI Card address.

  Note: In case of card up gradation ECS/NACH service will not be continue on customer new flipped card. Customer need to send fresh mandate form for NACH activation.

  Q12. How long will it take for the amount to be credited to my SBI Card account?

  Credit limit will release subject to realisation of funds

• SBI Auto Debit

  Q 1. What is SBI Auto Debit?

  This is a service which Auto Debit facilitates automatic payment of your Tata Card outstanding from your State Bank of India/ Bank of Maharashtra account on the payment due date.

  After signing up for this facility, your bank account will be debited on the payment date and the amount will be credited to your Tata Card account. While setting up SBI Auto Debit, you can choose the payment amount as Total Amount Due (TAD) or Minimum Amount Due (MAD) as per your Tata Card monthly statement.

  Q 2. How can I sign up for Auto Debit service?

  To avail Auto Debit service, you have to download the Auto Debit activation form from Forms Central, get it verified by your bank branch and then send the physical copy to us on following address:

  SBI Cards & Payment Services Private Limited
  P.O. Bag No.28, GPO, New Delhi - 110001

  Q 3. How does SBI Auto Debit work?

  Under SBI Auto Debit service, on behalf of you we would present your payment transaction with your bank on your payment due date and subsequently the debit happen from your bank account.

  Q 4. What are the benefits of Auto Debit facility?

  Post applying for this this facility, you would no longer have to remember your monthly payment due date. All that you need to do is to make sure that there is a sufficient balance in your bank account, when the payment is due. Tata Card will debit your bank account and process the same to your Tata Credit Card automatically.

  Q 5. Who all can avail the SBI Auto Debit facility?

  To avail SBI Auto Debit facility, one needs to have a savings account in the State Bank of India (SBI), Bank of Maharashtra or Federal Bank.

  Q 6. Are there any charges levied on the use of Auto Debit service?

  No, there are no charges on use of Auto Debit service.

  Q 7. If needed, can I cancel this facility whenever I want?

  Yes. In order to deactivate the Auto Debit facility, you will need to download an Auto Debit deactivation form from Forms Central, complete the same and send it to us at:

  SBI Cards & Payment Services Private Limited
  P.O. Bag No.28, GPO, New Delhi - 110001

  Q 8. What if my account does not have sufficient funds to cover the Auto Debit deduction?

  If your bank account does not have sufficient balance, the Auto Debit will not take place and you will have to pay your Tata Card outstanding through another payment option.

  Q 9. How long does it take for the payment debited through SBI Auto Debit to reflect in my Tata card account?

  The Payment will get debit from your account on Payment due date or next banking day and same will reflect on your SBI CARD account on PDD however limit will get release in 3 days from PDD as per standard process.

• Debit Card

  Q 1. Can I pay my Tata Card bills using any debit card?

  You can use debit cards of the following 6 banks to pay your Tata Card bills online.

  • State Bank of India Debit Card
  • Bank of Maharashtra Debit Card
  • Indian Overseas Bank
  • IDFC Bank
  • Kerala Gramin Bank
  • PragathiKrishna Bank
  • Shivalik Bank
  • Bank of Baroda
  • Rupay Debit card

  Q 2. How can I make my TATA Card outstanding payment using my RuPayDebit Card?

  You can use your RuPay Debit Card to make your TATA Card outstanding payment in following simple steps-

  • Step 1: Visit the Paynet channel on TATA Card website.
  • Step 2: Enter Card number and other relevant details including the amount he/she wish to pay towards the outstanding dues and select the debit card option
  • Step 3: A drop-down list of banks including RuPay Card will appear
  • Step 4: Choose the RuPay Debit Card option to make a payment toward the dues & click Pay now
  • Step 5: Page will get redirect on to bank page wherein customer will enter the RuPay Debit Card details and authorizethe payment.
  • Step 6: Once payment is made, same will get posted on your card account and you will get payment confirmation SMS via SBI Card instantly.

  Q 3. Will I get a confirmation on successful transaction?

  Yes, once you make your payment, an acknowledgment is displayed on your screen showing the status of your transaction.

  In case of a successful transaction, you will see a message of “Success” on the screen. Otherwise, you will be shown a “Failure” message. You will also find your transaction reference number in the message. Please note this number and quote the same in case of any transaction related queries.

  An email acknowledgement & SMS will be sent to your email ID & Mobile no , provided by you while making the payment.

  Q 4. What should I do, if the credit card number I have entered is wrong?

  Always cross-check all details before proceeding to the next step in the payment process. However, if you still make the payment to a wrong credit card number, we request you to call our customer care center at the earliest.

  You can call the Tata Card helpline at:

  • 3902 3456 (prefix local STD code)
  • 1800 180 8282 (for BSNL/MTNL lines)

  Q 5. How long does it take for the payment to be credited to my Tata Card account?

  Payment will reflect instantly on your Tata Card account

  Q 6. What should I do, if the bank from which I wish to make the payments does not feature in the list?

  You can still make the payment through your bank account using your bank’s NEFT facility. The IFSC code of Tata Card is SBIN00CARDS. Please click here to read more about the NEFT service.

• MasterCard Money Send

  Q 1. Can I pay my VISA or RuPay credit card bills using Master Card Money Send?

  No, you cannot pay your VISA or RuPay credit card bills using MasterCard MoneySend.

  Q 2. How do I make payment using MasterCard MoneySend?

  You can make your TATA Credit Card outstanding payment using third-party applications that supports MasterCard payment platform in 6 simple steps--

  • Step 1: Download the third-party payment app/use a platform that supports the MoneySend payment mode
  • Step 2: Link your TATA Credit Card to enable receiving the payment
  • Step 3: To make the card payment, select MasterCard MoneySend option on the third-party app.
  • Step 4: Mention the amount you wish to pay and authorize
  • Step 5: Once transaction is successfully processed; the amount will be debited from your account and the payment will be posted on to TATA Card account instantly
  • Step 6: On completion of the transaction you will receive a confirmation SMS from SBI Card

  Q 3. Can I use a credit card to transfer funds through MasterCard Money Send?

  You can only use bank accounts to transfer funds using MasterCard MoneySend.

  In case of a successful transaction, you will see a message of “Success” on the screen. Otherwise, you will be shown a “Failure” message. You will also find your transaction reference number in the message. Please note this number and quote the same in case of any transaction related queries.

  An email acknowledgement & SMS will be sent to your email ID & Mobile no , provided by you while making the payment.

  Q 4. What is the payment posting TAT via MasterCard MoneySend?

  MasterCard MoneySend is an instant payment mode for customers.

• Over the Counter Payment (OTC)

  Q 1. What are the payment instruments I can use for Over the Counter (OTC) payment of my Tata Card dues?

  You can pay through cash, SBI Cheques or transfer across any SBI branch in India.

  Q 2. Is there a separate pay-in slip for making Tata Card Payment?

  You can use the existing SBI pay-in slip for making the Tata Card payment. Just provide your 16 digit Tata Card number and the amount to be paid.

  Q 3. I have made an OTC payment for my Tata Card outstanding. By when will the payment reflect in my Tata Card account?

  Payment will reflect within 2 working days in your Tata credit card account..

  Q 4. Can the Tata Card payment be accepted in all branches?

  Yes, you can make the payments for your Tata Card at any branch of the State Bank of India and receive an instant acknowledgment receipt.

  Q 5. Is there any charge for using this service?

  For all the cash payments you make at SBI counters, you need to pay a charge of Rs. 250 along with the applicable service tax. You can only deposit a cash amount of up to Rs. 49,999 per transaction. You do not have to pay any charge for payments made through transfer or cheque, on the counter

  Q 6. If in a situation where I have a valid pay-in slip acknowledgement of the payment, but the payment has yet not been credited to my Tata Card account, what must I do?

  In such a case, we request you to contact the Tata Card helpline.

  • 3902 3456 (prefix local STD code)
  • 1800 180 8282 (for BSNL/MTNL lines)

  Our IVR and emergency services are available round the clock and you can contact our customer service representatives anytime from Monday to Saturday between 8 AM to 8 PM.

  Tata Cardholders can call the TATA Card helpline:

  • 3902 3456 (prefix local STD code)
  • 1800 180 8282 (for BSNL/MTNL lines)

  Q 7. What should be done, if there is a difference in the amount mentioned in the receipt compared to the amount mentioned in the CBS payment file?

  Tata Card receives the amount as mentioned in the payment file from CBS. This is the amount entered by the teller while accepting the payment. In instances where there are discrepancies in the amount mentioned in the receipt and that in the CBS file, you must raise the concern to the respective branch authorities and ask them to examine the account. Additionally, we request you to contact our Tata Card helpline and bring the case to our notice, as well.

• Cheque drop-box

  Q 1. Where can I drop my payment cheque to pay my Tata Card Outstanding?

  You can drop your payment cheque/ Demand Draft to pay your Tata Card outstanding at any manual cheque drop-box locations, locate your nearest cheque drop-box.

  Click here for manual drop box list.

  Q 2. Are non-CTS cheques accepted for payment?

  As per the Cheque Truncation System (CTS), guidelines issued by Reserve Bank of India, cheques with alterations and corrections will be returned unpaid. While writing cheques to pay your Tata Card outstanding fill in your Tata Card no. and amount correctly and do not over-write.Yes, however the banking will happen only on Monday.

  Q 3. What shall I write as ‘Payee Name’ while making the payment by cheque to Tata Card?

  In order to make your Tata Card payment, you need to make the cheque in favour of ‘Tata Credit Card xxxx xxxx xxxx xxxx (your 16-digit credit card number)'.

  Q 4. What should I do if the amount gets debited from my bank account but the same does not get credited in my Tata Card account?

  In such a case, you need to share the bank certificate issued by your bank, confirming the transaction, and send it to us Card at the following address:

  • SBI Card & Payment Services Private Limited
    IP.O. Bag No.28, GPO, New Delhi - 110001

  Q 5. What should I do if the amount credited to my credit card account is not correct?

  In such a case, you need to share a bank certificate issued by your bank, confirming the transaction amount, and send it to us at the following address:

  • SBI Card & Payment Services Private Limited
    IP.O. Bag No.28, GPO, New Delhi - 110001

  Q 6. How many days in advance should I drop my cheque with respect to the payment due date?

  Please drop your cheque at least 4 days before your Tata Card Payment Due Date (PDD) to avoid any late payment charges.

  Q 7. How long does it take for the payment made through cheque to reflect in my Tata Card account?

  Cheques dropped in Metro locations will be processed within 4 working days, while cheques dropped in non-Metro locations will take 6 working days. Please note, that the Cheques dropped on Saturday after 12 o’clock will get into processing from the next working day onwards.

  Q 8.Will I charge by any amount if I will make the payment through cheque?

  • W.e.f 1^st Jan’20, a fee of Rs.100+ taxes will be charged for payments towards your outstanding made by cheque. This fee is not applicable for Senior citizens. Visit https://tatacard.com to make payments digitally.

• SBI ATM

  Q 1. Can I pay my Tata Card outstanding through a non-SBI ATM card?

  No, you cannot pay your Tata Card outstanding through a non-SBI ATM. You will need to have/ use a SBI Group ATM card (State Bank of India or its associate banks) to do the same.

  Q 2. What are the benefits of paying my Tata Card outstanding through an SBI ATM?

  The bill payment through a SBI ATM enables you to pay your credit card dues from over 20,000 State Bank of India ATMs without any extra charges. ATMs are available 24x7, which means you can make your payment, at your own convenience. With this facility, you can free yourself from the hassle of dropping and tracking cheques.

  Q 3. How can I pay my Tata Card Outstanding at an SBI Group ATM?

  You can walk into your nearest State Bank Group ATM and select the ‘Bill Pay’ option on the screen to pay your Tata Card outstanding from your savings or current account.

  Q 4. How soon will the payment start reflecting in my Tata Card account after I have made the payment through a State Bank Group ATM?

  The payment will be credited to your account within 2 working days.

• Pay via UPI

  Q1. What is UPI & QR Code?

  UPI & QR Code is a payment solution that allows account holders of all banks to make payments from their smart phones by scanning the QR Code. Login to your account and click on ‘PAY NOW’, select ‘UPI’ and scan the QR code and authorize the payment. No additional details are required on paying via UPI enabled app

  Q2. What is SBI Pay?

  "SBI Pay” (UPI App of SBI) is a payment solution that allows account holders of Banks participating in UPI to send and receive money from their smart phones with a virtual payment address which is the identifier. No additional details are required to be used other than the Virtual payment address.

  Q3. What is a Virtual Payment Address (VPA)?

  A Virtual Payment Address (VPA) is an identifier that can be uniquely mapped to an individual account. Unified Payment Interface (UPI) services offer customers the option to create any number of VPAs for making and receiving payments.

  Q4.What is a QR code?

  QR code (abbreviated from Quick Response code) is a machine-readable optical label that contains information about the item to which it is attached. QR code payment is a payment method where payment is performed by scanning a QR code from a mobile app.

  Q5.Does a customer need to register before remitting funds using UPI in SBI Pay?

  Yes, a customer need to register with his/her PSP before remitting funds using UPI and link his/her accounts.

  Q6. Can a customer make the payment through non-SBI account?

  Yes, as the name suggests you can make the payment through non-SBI account using BHIM SBI PAY or UPI QR Code, in case the respective bank is on UPI platform.

  Q7. Can a customer make the payment through BHIM SBI PAY UPI or UPI QR Code 24*7?

  Yes, UPI & QR Code Payment processing is available 24*7.

  Q8. If transaction got decline, whom I need to contact?

  You need to contact your branch.

  Q9. What is the UPI & QR Code Payment TAT?

  Payments made via UPI & QR Code are posted instantly

  Q10. Payment was successful but not credited on the card?

  Customer need to contact with us (SBI CARD) with payment details.

  Q11. If customer has made the payment on the wrong TATA Credit Card. What should customer do?

  Customer need to contact SBI Card to cure the payment on correct card.

  Q12. Is BHIM SBI App will work on all smart phone?

  No, BHIM SBI app will work only on Android & IOS smart phones.

  Q13. What is the BHIM SBI Payment TAT?

  BHIM SBI Payment is instant.

  Q14. How can customer can track his payment?

  Login to BHIM SBI Pay app & navigate to transactions History from Menu.

  Q15. Can I pay credit card bill through other bank UPI app?

  No, it is only available on BHIM SBI APP

• Pay with YONO

  Q 1 What is “YONO”?

  YONO is an initiative by SBI to bring all of its joint venture’s customer through digital technology “YONO Mobile App” and “YONO website”. YONO stands for “You Only Need One”.

  Using YONO App & website,  customer can integrate all his products & servic from SBI bank account, SBI Card, SBI Mutual Fund, SBI Life Insurance, SBI General Insurance, SBI Securities.

  Q2. Is it mandatory to have SBI bank account number to use YONO web & app?

  Yes, A user must have SBI bank account number to use YONO Web/App.  A user can login using ATM card details as well, He needs to keep his registered mobile number with him as OTP would be sent on that number.

  Q3 Can a user who only have SBI Card but do not have SBI bank account use YONO?

  No, you cannot use other bank account as well to pay SBI credit card bill.

  Q4. Can a customer make the payment through YONO by SBI 24*7?

  Yes.

  Q5. If transaction got decline, whom I need to contact?

  You can contact your branch for further details.

  Q6. Payment was successful but not posted on card.

   Ans. Customer need to contact with us (SBI CARD) with payment details.

  Q7. Having trouble while login YONO app or webpage?

  Please contact YONO by SBI support team at feedback.yono@sbi.co.in

  Q8. What is the TAT for YONO payment?

  YONO payment is Instant.

  Q9. If customer has made the payment on wrong SBI Credit Card.

  Customer need to contact SBI Card helpline for the payment on correct card.

• Bharat Bill Payment System

  Q1. What is BBPS Payment mode?

  Ans. BBPS Payment is a fast and convenient way for our customers to make payments for their services through the Bharat Bill Payment System (BBPS). BBPS is a centralized system that enables secure and efficient credit card bill payments.

  Q2. Do you need to register before making a payment on BBPS enabled platforms?

  Ans. No, prior registration is not required for making a payment on BBPS enabled platforms.

  Q3. Can you make a payment through a non SBI account?

  Ans. Yes, you can make the payment through a non SBI account using SBI UNIPAY website.

  Q4. Can you make a payment through SBI UNIPAY website 24*7?

  Ans. Yes, SBI UNIPAY website can process payments 24*7.

  Q5. What is the BBPS Payment TAT?

  Ans. Payments made via BBPS, get reflected instantly.

  Q6. Payment was successful but not credited on the card?

  Ans. Kindly wait for 24 hours, however, if the payment done, still does not reflect on your credit card, then please contact Tata Card along with your complete payment transaction details.

  Q7. If you make a payment on a different Tata Credit Card. What should you do?

  Ans. You should contact helpline no. 39023456 to get the payment updated on the correct credit card.

bbps

• Travel Itinerary

  Q1. How can I update my international travel details with SBI Card?

  You can log in to www.sbicard.com and update your travel plan details using OTP authentication.

  Q2. I do not remember my SBI Card online account user ID and password. How can I access the website?

  Step 1: Go to SBI Card website login page.

  Step 2: Click ‘Forgot My Login Details’ and enter your credit card number, CVV and date of birth and click on ‘Proceed’. You will now receive a one-time password (OTP) on your Registered Mobile Number.

  Step 3: : Enter the OTP in the space provided and click on ‘Proceed’ again.

  Step 4: You will now be redirected to change password page. Set your new password and continue to log on to the SBI Card website with your new credentials.

  Q3. Which option do I select to enter my international travel details?

  Post website log in, enter user ID and password. Select ‘Update Travel Plan’ from Services Tab.

  Q4. I have two credit cards with SBI Card. Can I update travel details for both of my cards?

  Yes, you can update travel details for more than one card. In each request, you can update travel details for up to 2 primary cards.

  Q5. Next month I am travelling abroad. Can I update my travel details now?

  Yes, you can only add a future planned travel journey, in advance up to 15 days from the present date.

  Q6. Can I update my international number on the website?

  Yes, you can update or edit your international number to continue receiving transaction alert and One-Time Password (OTP) when you are travelling abroad.

  Q7. Can I change my transaction preference for international transaction on the SBI Card website?

  Yes, you can also manage these switches from the ‘Manage Card Usage’ section at any point of time.

• Credit Balance Refund

  Q1. My credit card is closed. Can I place a refund request?

  Yes, you can place a Credit Balance Refund request, if refund amount is >/= 1 Rupee.

  Q2. How much time will it take to get the Credit Balance Refund in my saving account?

  7 working days

  Q3. I don’t have any bank account. Can I get Credit Balance Refund done in my family member’s account?

  No, the refund amount can be processed in primary cardholder’s account only.

  Q4. In case of deceased Cardholder, What should I do to get the refund transferred to my account? I am his/her family member?

  Please share below documents along with NEFT details:

  Death Certificate

  Affidavit cum indemnity bond

  Legal heir certificate

  NOC letter from another legal heir mentioned on certificate, if any

  Q5. My SBI Credit Card account is blocked and few EMI’s are running on card. Can I get the excess amount available on my card?

  Yes, you can get the Credit Balance Refund if available, post closure of all the EMI’s running on your account.

  Q6. I have received refund from merchant. Can I place Credit Balance Refund request?

  Yes, request can be placed. Amount will be refunded post validation.

  Q7. My account is cancelled/blocked. Can I place request for Credit Balance Refund?

  Yes, request can be placed. Amount will be refunded post validation.

  Q8. Can I get the Credit Balance Refund by cheque?

  Credit Balance Refund is done by NEFT only.

  Q9. Can I get the Credit Balance Refund in my joint account.

  Yes. Refund can process on joint a/c, if Primary cardholder is one of the account holders.

  Q10. My name is different in Bank record and SBI Card record. What should I do to get the Credit Balance Refund?

  Please get your name updated in our record & post name change you can raise the request for the refund.

  Q11. Can I get the refund if KYC is due on my account?

  No, Credit Balance Refund can be initiated only after KYC updation.

  Q12. Is there any minimum limit for refund in case of active account?

  Refund request can be made for an amount >/= Rs. 500 in case of an active account.

• Lost/Stolen/Reissue/Replace Cards

  Q1. How do I block my credit card?

  When a card is lost or stolen or damaged, the same should be blocked immediately and reissued.  Request to block & reissue of card can be made through following channels:-

  -Website tatacard.com
  -24X7 helpline Dial 39 02 34 56  (prefix local STD code) or 1800 180 8282
  -SMS send BLOCK XXXX (Last 4 digit of your card number) to 5676791 from your registered mobile number.

  Q2.How do I report Lost/Stolen credit card and reissue through website?

  To report lost/stolen credit card and reissue through website, follow these simple steps:

  Step 1 Log in to your account on tatacard.com
  Step 2 Click on ‘Report Lost/Stolen Card’ under the ‘Requests’ tab on the left
  Step 3 Select the card number to report the lost card
  Step 4 If you want to get the card re-issued, then click on “Reissue Card”
  Step 5 Click ‘Submit’

  Q3. How do I report Lost/Stolen credit card through IVR?

  Step 1 Call on the Tata Card helpline 1800 180 8282 or 39 02 34 56 (prefix local STD Code) & select your preferred language.
  Step 2 Press 2 to report lost/stolen card.

  Q4. How will I know whether my card is blocked or not?

  After successful submission of request through any of the above channels, you will receive a block confirmation via SMS and mail in your registered mobile number and email id.

  In case you do not receive a block confirmation, please call the Tata Card helpline 39 02 34 56 (prefix local STD Code) or 1800 180 8282.

  Once a credit card is blocked, the same card plastic cannot be re-activated. When a card is reissued, a replacement card with a different number is sent to your registered mailing address. However, please note that blocking your card does not lead to the closure of your credit card account.

  Q5. How can I place the request to reissue the new card?

  You can place a request to reissue a card against lost/stolen card through

  -Website tatacard.com
  -By writing to us at customer.card@tatacard.com
  -By calling us at our helpline

  Q6. How to make request to reissue card through Website?

  Log on to tatacard.com > Click on the ‘Request”> Click on “Reissue/Replace Card” > Select the card number > Click ‘Submit’

  Q7. When will I get my reissued/replaced card?

  After making the request to reissue/replace card, you will get the new card in 7 working days. However, it may take some more time depending upon your location.

  Q8. Will there be fees to replace /reissue a card?

  A replacement fee of Rs 100 + taxes will be charged in case of reissue/replacement.

  Q09. I have recently received the new card; how can I activate it?

  You can login to your Tata Card account at tatacard.com to activate your card or write to us at customer.card@tatacard.com You may also call us on our helpline number 1800 180 8282 or 39 02 34 56 (prefix local STD code) to activate your card.

  Q10. Is my Account Number is different from Card Number?

  Yes Tata Card Account Number is different from Card Number both cannot be same.

• Card Activation/Dispatch

  Q1. How Can I check my Card Dispatch Status?

  You can login to your Tata Card account at tatacard.com or write to us at  to check the dispatch status. You can also call us on our helpline number 39 02 34 56 (prefix local STD code) or 1800 180 8282 to check the dispatch status.

  Q2. What documents are required for validation check at the time of card delivery?

  The following original documents are required for validation check at the time of Card Delivery.

  • Passport
  • PAN Card
  • Driving License

  Q3. How can I activate my new Tata Card ?

  You can login to your Tata Card account at tatacard.com to activate your card or write us at customer.care@tatacard.com  You may also call us on our helpline number 39 02 34 56 (prefix local STD code) or 1800 180 8282 to activate your card.

• Tata Card Online

  Q1. How do I reset my online account password?

  To reset your online account password, Login to www.tatacard.com and follow these steps:

  • Step 1: Click on ‘Forgot User ID or Password’ below the login button
  • Step 2: Enter your Card number, CVV, Date of Birth, and ‘Generate OTP’
  • Step 3: Validate the OTP sent on your the registered mobile number
  • Step 4: Reset your password

  Q2. How can I access the new Tata Card website? Do I need a new username and password for the new website?

  The process of logging in to the new Tata Card website remains unchanged. You can use your existing Tata Card online user id & password to manage your Tata Card account online.

  Q3. How can I get a username and password to access my Tata Card account?

  In order to access your Tata Card online account, you need to register with tatacard.com. Follow these simple steps to register:

  If you do not have a user ID, click here to register in 4 simple steps:

  • Go to tatacard.com and click on ‘First time user’ link
  • Enter your Tata Card no., CVV no. & Date of Birth
  • Your One Time Password (OTP) will be sent on your registered mobile no. & e-mail id. This OTP is valid for 30 min. or one successful usage
  • Enter your OTP correctly to set your user id & password and complete the registration process

  Q4. I have started the registration process and entered my card details incorrectly, 5 times in succession. Now my account is locked. What does this mean?

  This means that your account has been locked, for your own security, from making any more attempts to register on Tata Card website to create your Tata Card online user id & password. However, you can continue to use your Tata Card for transactions. To get your Tata Card online account unlocked and complete the registration process, please call the Tata Card helpline.

  Q5. I have started the registration process but have not received the OTP yet?

  Please ensure that your mobile no. & e-mail id is correctly registered with us. If your details are updated, you may be facing some network issue on your mobile phone connection. Please click on ‘Re-send OTP’ link on the screen to have the OTP re-sent to you.

  Q6. I have received an SMS and email informing me that I have registered successfully online or I have successfully reset my credentials. However, I have not taken any action on my account. What do I do?

  If you receive any SMS or email, informing you about any activity on your tatacard.com account, which you have not performed, then you must call Tata Card helpline immediately and bring it to our notice. You can call Tata Card helpline at:

  • 39 02 34 56 (prefix local STD code)
  • 1800 180 8282

  Q7. I have forgotten my user ID or password for my Tata Card online account. What do I do now?

  If you have forgotten your Tata Card online user ID or password, you can retrieve the same by following the process given below:

  • Go to tatacard.com and click on ‘Forgot User id/ Password’ link
  • Enter your SBI Credit Card number, CVV number and date of birth. A One Time Password (OTP) is sent on your registered mobile number and email ID. This OTP is valid for either 30 min. or one successful usage
  • Enter your OTP correctly to retrieve your user ID that has been registered on your account
  • If you remember your password, continue to ‘Log in’ or ‘Reset your password’ to continue using your online account on tatacard.com

  Q8. I have entered my User id and/ or password incorrectly 5 times and now my account has been locked. What do I do now?

  Your account has been locked, for your own security, from making any more attempts to log on to your Tata Card online account. However, you can continue to use your card for transactions.

  You can unlock your account instantly by clicking on ‘Unlock Account’ link (that appears on the screen when your account gets locked) and following 4 simple steps-

  • Click on the ‘Unlock your account’ link on the screen.
  • Enter your SBI Credit Card number, CVV number and date of birth A One Time Password (OTP) will be sent on your registered mobile number and email ID. This OTP is valid for either 30 min. or one successful usage.
  • Enter your OTP correctly to retrieve your user ID that has been registered on your account
  • If you remember your password, continue to ‘Log in’ or ‘Reset your password’ to continue using your online account on tatacard.com

  Additionally, you can call the Tata Card helpline at 39 02 34 56 (prefix local STD code) to get your account unlocked.

  Q9. What are the features or services available on tatacard.com?

  With tatacard.com, you can avail the below services:

  Do More -

  • Subscribe to e-statements and request for duplicate statements
  • Request for an Add-on cards
  • Block your lost or stolen cards and request for a card replacement or reissue
  • Check status of service requests raised by you through any channel- website, call-centre, or IVR
  • Book Balance Transfer on EMI, Encash, Easy money or convert your transaction into Flexipay
  • Pay your Tata Card outstanding Online
  • Redeem your Reward Points

  View More -

  • Account summary as on date
  • Card statement for the last 24 months
  • Payment History and status of payments made against your Tata Card outstanding
  • Transaction history for the last 24 months
  • Exclusive offers on your Tata Card account

  Manage More -

  • Analyse where you spend on your Tata Card and manage your Tata Card better with Spend Analyser
  • View spends and transactions done on your Add-on Cards
  • Generate or reset PIN on your primary and Add-on cards, instantly
  • Update your contact details and address instantly and manage your address for correspondence
  • Manage your utility bill payments with Tata Card

  Q10. How secure is tatacard.com?

  For us, the safety of your transaction and other details is of paramount importance. We follow a strong password and online security policy to ensure the same.

  - We have 256 bit Secure Sockets Layer (SSL) encryption technology to secure your Tata Card online activities

  - You can check the Security Certificate by clicking on the padlock icon that appears with the URL in the browser bar when you type the URL.

  - Once you have registered for Tata Card online account, your password is not generated immediately but a One Time Password (OTP) is sent across to your registered email ID and mobile number. You can access your account the first time, using that OTP as the password and reset your password subsequently.

  - When selecting the password, we prompt you to choose a password that is difficult enough to be tracked or guessed. Our password policy ensures that your password consists of,

  • a minimum length of 8 characters
  • a minimum of 1 alphabet [a-z or A-Z]
  • a minimum of 2 numbers which must be embedded i.e. the number cannot be the first or last character of the password

  Your password should not contain the username, or the username in reverse and allow but not enforce the use of Special characters [@,-,_,Space,]) and uppercase alphabets [A-Z].

  • - On the basis of character combination you have opted for, we also indicate how strong or weak your password is.
  • - The system does not allow you to recreate any of the last ten passwords.
  • - You should try using Virtual Keyboard as an additional security measure.
  • - The Tata Card online account gets automatically locked if incorrect password is typed 3 times in succession.
  • - The Tata Card online account gets automatically logged off after an inactive period of 7 minutes.
  • - When you log in to your Tata Card online account, your last log in date and time is displayed in the header bar so you can check your account for any unauthorised activity.
  • - We only display the last 4 digits of your SBI Credit Card number while communicating with you to ensure any unauthorised usage of your card.

• Update Contact Details

  Q1. How can I update my current residence address in the Credit Card Account?

  You may update your current residence address using any of the below options:-

  • Website : Please click here to login to tatacard online and update your current residence address. Click here to view demo

  Click here to see the list of KYC documents

  Q2. What are KYC documents and why should I submit the same on updating my contact details?

  For any change in Current Residential Address cardholders are required to submit their current residential address proof on the card account Please click here to see the list of KYC documents.

  Q3. How can I change my communication address?

  Communication address can be either your Residential address or Official address.
  In order to set any of these as communication address through website - Log on to tatacard.com> My profile > Address >  Go to the address that you want to choose as communication address and click on “Set as communication address”. Alternatively, you can write us at customer.care@tatacard.com  or call us at our helpline.

  Q4. How do I update or correct my name or date of birth on my credit card account?

  To update or correct your name or date of birth on your credit card account, please provide self-attested copy of KYC documents. To know the list of KYC documents click here.

  To submit your KYC documents online, Click here.

  Alternatively, you can also call us at our helpline to get your name and date of birth changed.

  Q5. How to change mobile number or email ID through website?

  Step 1 Login to tatacard.com and click on'My Profile'
  Step 2 Click on 'Quick Contact’ , and then click on blue colored edit icon next to the right hand
  Step 3 Generate OTP and enter the OTP received on old registered number
  Step 4 Enter the new mobile number or new email Id and click on ‘Submit’

  Q6. Can I set my official address as communication address?

  Yes, you can also set your official address as communication address. To do so,
  Log in to tatacard.com > My profile > Address > Official address and click on “Set as communication address”
  Alternatively, you can write to us at customer.care@tatacard.com or call us at our helpline.

  Q7. How to Change home/office landline number?

  Home/office landline number can be changed using below options:-

  Website :- Click here to change/update the landline number instantly though website and follow simple steps

  Step 1 Log on to tatacard.com
  Step 2 Click  to “ My Profile” on the left hand
  Step 3 Click on “Address” and choose residential or office address (Where you want to update landline number)
  Step 4 Update new landline number
  Step 5 Generate and enter OTP sent on registered mobile number
  Step 6 Click on “Submit”

  Alternatively, you can also write to us at customer.care@tatacard.com  or call us at our helpline.

  Q8. How can I update my International Mobile Number?

  We hereby inform you that you may login to your website account at tatacard.com with the help of your User ID & Password to update your International Mobile Number.

  Q9. How long my international number would be valid in Tata Card?

  Your international mobile number would be valid for 90 days.

• Credit Limit Increase

  How do I become eligible for a Credit Limit Increase (CLI)?

  Cardholders can get their limit revised in the following ways:

     A.Pre-approved Credit Limit Offer ( Zero document approval )

  Tata Card regularly identifies select cardholders for a Pre-approved Credit Limit Increase offer basis internal risk policy

  Eligible cardholders will receive an increased Limit offer through their registered Mobile Number via SMS, on Email, Monthly Statement and in Post Login Section

  Eligible cardholders can avail this offer without any additional documentation requirement

     How can I get my Credit Limit increased for Pre-Approved offer?

       To get the Credit Limit increase on your card, follow the below mentioned steps:

     Website:

  Login to tatacard.com and click on Offers or Benefits tab on left hand side

  Check for any Credit Limit Increase offer on your account & click on the ‘Submit’ button

     SMS:

  SMS ‘INCR XXXX’ (last 4 digits of your card number) to 5676791 from your registered mobile number

     Helipline:

  Call us on the helpline number at 1800 180 8282 or 39 02 34 56 (prefix STD code)

  • Credit Limit Increase with Income documentation

  In case you wish to increase limit beyond the eligible Limit offered by Tata Card, please call on Tata Card helpline number at 1800 180 8282 or 39 02 34 56 (prefix STD code) and check with our customer care executive regarding your eligibility for a credit limit increase basis income documents

  The following income documents are accepted

  • Form 16
  • ITR VI
  • Last 2 months salary slip

  Soft copies of the aforementioned documents can be submitted to us at customer.care@tatacard.com

  You can mail your relevant income documents to: Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Cyber City, Gurgaon – 122002

  Post receipt and review of Income documents, the request for Credit limit increase will be fulfilled in accordance with the internal Risk Policy

• International Limit

  Q1. How can I activate or deactivate my international credit limit?

  We hereby inform you that you may login to your website Tata Card account at tatacard.com with the help of your User ID & Password for the activation and deactivation of international credit limit on your Tata Card Account.

  Q2. What all extra charges are applicable for international transaction?

  We wish to inform you that the foreign currency transaction attracts forex mark-up charges, which is 3.5% of the transaction amount plus applicable taxes.

• Statement Billing Related

  Q1. How do I view or get my Tata Card statement?

  The following are the two modes of credit card statements:

  • Physical Statement - sent to your registered mailing address
  • Statement on email - sent to your registered email address
  • Online statement - You can view and download your credit card statement online, by logging into comonline. You can choose the 'e-statement' option to get statement on your email ID as well. If you are registered for e-statements, you can View / Print / Download your e-statements for the last 18 months or from the date of registration, whichever is recent.

  Q2. How can I view my statement online?

  You can view your credit card statement online, in 4 easy steps.

  STEP 1: Login to www.tatacard.com using the User ID and password
  STEP 2: Click on "Dashboard" at the left hand side.
  STEP 3: Click on “View Statement"
  If you are registered for e-statements, you can View / Print / Download your e-statements for the last 18 months or from the date of registration, whichever is recent.

  Q3. How can I download my card statement?

  You can instantly download last 24 months’ statement in PDF format from our website tatacard.com. It is free of charge.

  STEP 1: Login to www.tatacard.com using the User ID and password
  STEP 2: Click on "View Statement" at the center.
  STEP 3: Select the statement date of required month from the list of archived statements
  STEP 4: Click on “Download”

  Q4. How can I place a request for duplicate statement?

  You can place a request for duplicate statement either on the website or Tata Card Mobile App or SMS.

  Duplicate Statement Request on Website

  STEP 1: Login to www.tatacard.com using the User ID and password.
  STEP 2: Click on "Requests" on the left hand side
  STEP 3: Click on "Duplicate Statement" and Click on “Request for Duplicate Statement”
  STEP 4: Select the required month from the list of archived statements

  Duplicate Statement Request via SMS

  Simply SMS “DSTMT XXXX MM” from your registered mobile number to 5676791, where XXXX is the last four digits of your credit card & MM is the month of the required statement.
  Once the request is placed, you will receive an e-statement in your email within 24 hours and physical statement will reach you in 4 - 7 working days.

  Duplicate Statement Request via Mail

  Write to us at customer.care@tatacard.com  to request duplicate statements.

  Kindly note that original statements are issued only once for a specific billing period. Subsequently, only a duplicate copy is issued for that billing period.

  Q5. I have not received my monthly credit card statement, what can I do?

  Physical Statement:
  Physical statements are dispatched through post and are delivered within 7 working days from the date of generation. If you have not got your card statements delivered to your address, we request you to check if the address provided by you is correct on our records. You can do so by logging on to tatacard.com Online and going to 'My Profile' and then by clicking “Address” section. Please check the communication address registered with us.

  In case of change in address, we request you to update it online. If there is no change in your address, please write to us at customer.care@tatacard.com  or Call us at helpline at 39 02 34 56 (prefix local STD code) or 1800 180 8282

  Statement on Email:
  Statement on email will be delivered to your registered email id within 2 working days from the date of generation. If you are not in receipt of your email statement, kindly verify your junk / spam folder as the email address from which the statement is sent may have been identified as junk / spam by your email server.

  Also, please check if the email id provided by you is correct on our records. You can do so by logging onto tatacard.com ‘Your Profile' section and clicking on “Quick Contacts” on the left menu to check the email ID registered with us.

  If there is a change in your email ID, we request you to update it online. If there is no change in your email ID, then please call us at our helpline.

  Q6. What is a billing date/cycle and due date? Can it be changed?

  Billing date/cycle is the date on which the statement is generated for your credit card every month. Payment due date is the date by which payment has to be credited to your credit card, to maintain your card account in current status and avoid levy of late payment charges. The payment due date for a particular month is communicated through the monthly statements and SMS alerts.

  You can also login to tatacard.com or Tata Card mobile app with your user id and password and view the Billing date or the Payment Due Date.

  To view your billing cycle and due date, please take the following steps:-
  Login -> Dashboard - > Choose Credit card -> Last Billed Date or Payment Due Date is mentioned in the summary of the card.
  In order to change billing cycle, please write to us at customer.care@tatacard.com or call us at our helpline.

  Q7. How much is the Duplicate Statement fee?

  There will be no charge if you download a duplicate statement from tatacard.com. Refer Q3. to learn how to download duplicate statement from website.

  If request for duplicate statement is made for more than two months period, then duplicate statement fee of Rs.100.00 plus Applicable Taxes per statement will be charged on your card account.

  Q8. How can I register my E-Mail ID for getting E-statements?

  Write us at customer.care@tatacard.com  or call us our helpline number 39 02 02 (prefix local STD code) or 1800 180 8282 to subscribe with e-statement facility and the monthly statements would be sent every month on your registered E-mail address.

  In case of non-receipt of your e-statement within 72 hours, may we request you to check the spam and junk folder of your mail box, as it has been noticed that due to certain security filters activated by various service providers the e-statements get automatically transferred to supplementary folders.

  Please note that currently, we do not have the facility of sending physical copy of statement as well as statements through e-mail simultaneously on your Tata Card account.

  Q9. How Can I check last 24 months transaction?

  We hereby inform you that you may login to Tata Card website account at tatacard.com with the help of your User ID & Password and check your last 24 months transaction details.

• Do Not Disturb

  Q1. How can I stop promotional calls/SMS or E-Mails on my register Mobile Number/ E-Mail ID?

  To stop promotional calls/SMS or E-Mails on your register Mobile Number/E-Mail ID, please call us on our helpline number 1800 180 8282 or 39 02 02 (prefix local STD code) or write us at customer.care@tatacard.com The process will take 45 days to stop.

• Personal Details Change

  Q1. How can I update/rectify my name on Tata Card?

  We would request you to send copy of either of the below mentioned documents for correction of your name on our records.

  Passport

  PAN Card

  Ration Card

  Driving License

  Court Order

  Affidavit duly notarized

  Advertisement in the newspaper

  Please note that the same could be sent through below mentioned modes of communication.

  * By fax at 0124- 2567131

  * By scanned copy at www.tatacard.com\email

  * By ordinary post addressed to SBICPSL, P.O Bag No. 07, G.P.O, New Delhi 110001

  In case you want the new Card with correct name, please share the below mentioned details

  *Complete Registered Residential Address with Pin Code

  *Complete Registered Official Address, Company Name with Pin Code

  *DOB/Mother’s Maiden Name

  *Registered Mobile Number

  Q2. How can I update my correct Date of Birth?

  We would request you to send copy of either of the below mentioned documents for correction of date of birth on our records along with the below mentioned details:

  Passport

  PAN Card

  Ration Card

  Driving License

  Please note that the same could be sent through below mentioned modes of communication.

  * By fax at 0124- 2567131

  * By scanned copy at customer.care@tatacard.com

  * By ordinary post addressed to SBICPSL, P.O Bag No. 07, G.P.O, New Delhi 110001.

  *Complete Registered Residential Address with Pin Code

  *Complete Registered Official Address, Company Name with Pin Code

  *DOB/Mother’s Maiden Name

  *Registered Mobile Number

  Q3. How much is the Replacement/ Reissue fee applicable on Tata Card.

  We would like to inform you that a replacement fee of Rs.100.00 plus applicable taxes would be applicable towards the reissue / replacement of new card.

• Simply SMS

  Q 1. What is Simply SMS?

  The Simply SMS facility lets you receive information related to your Tata Card or TATA Card in an SMS. You only need to SMS KEYWORD (specified for your query) XXXX where XXXX = Last 4 digits of your SBI or TATA Card number to the short-code 5676791 from your registered mobile number.

  Q 2. What are the kinds of services I can avail through the Simply SMS?

  The services that you can avail through Simply SMS are listed below, along with the keywords you need to use:

  • Balance enquiry: SMS BAL XXXX
  • Available credit and cash limit: SMS AVAIL XXXX
  • Block lost or stolen card: SMS BLOCK XXXX
  • Reward point summary: SMS REWARD XXXX
  • Last payment status: SMS PAYMENT XXXX
  • Request for duplicate statement (last 6 statements): SMS DSTMT XXXX MM, where MM is the month for which you need the duplicate statement. E.g. if you need statement for the month of March and last four digits of your card are 1234, you will send an SMS- DSTMT 1234 03 to 5676791Subscribe to E-statement: SMS ESTMT XXXX
  • Request for One Time Password (OTP) for IVR or mobile transactions: SMS OTP XXXX
  • To know the services available on Simply SMS and their respective keywords: SMS HELP

  XXXX refers to the last 4 digits of your SBI or Tata Card number.

  Please note, for every SMS request that you send to 5676791, there is a premium charge applicable. This amount goes to your telephone operator and the SMS provider. Tata Card or Tata Card does not charge you anything for this service. Please check with your operator to know more about the charges levied for this service.

  Q 3. Do I need GPRS to access the Simply SMS service?

  No, you do not need a GPRS connection to use this service. You can avail this service from all mobile phones using the standard SMS service.

  Q 4. Can I avail this service from any mobile number?

  No, you cannot avail this service from any mobile number. To use this service, you must send your SMS only from the mobile number registered with us, against your Tata Card or Tata Card.

  You can update your mobile number in 2 simple ways:

  • Through our website, tatacard.com
    • Step 1: Logon to tatacard.com with your username and password.
    • Step 2: Go to ‘My Profile’ section on left hand navigation bar, under welcome message. A contact tab will appear with prepopulated email ID and mobile number section.
    • Step 3: Click on ‘Edit’ link on the tab.
    • Step 4: Enter the new mobile number and click on ‘Generate OTP’. A One Time Password (OTP) will be sent to you on your currently registered old mobile number.
    • Step 5: Enter the OTP and click on ‘Update’. Your mobile number will be instantly updated.
  • Call the Tata Card or Tata Card helpline, and place a request to register or update your mobile number
    You can call Tata Card on:
    • 39 02 34 56 (prefix local STD code)
    • 1800 180 8282
  • For Tata Card helpline support, please call on:
    • 39 02 34 56 (prefix local STD code) 1800 180 8282 (from BSNL/MTNL lines)

  Q 5. I have just received my upgraded Tata Card. Can I still fetch information about my old card?

  If you have upgraded your Tata Card, all details of your old card would have been migrated to your new card. You need to SMS query-specific KEYWORD XXXX, where XXXX will be last 4 digits of your new Tata Card or Tata Card.

  Q 6. How soon can my card be blocked once I send the request through Simply SMS?

  We will block your card, the moment we receive your card block request through SMS. We will also send you a confirmation SMS about the same. If you do not receive a confirmation SMS from us within 5 minutes of your request, please do not consider the card to have been blocked. Please call up our helpline, and get your card blocked immediately in order to avoid any misuse.

• IVR One Time Password (OTP)

  Q 1. What is an IVR transaction?

  Interactive Voice Response i.e. IVR transactions are transactions that you carry out over the telephone where you provide your Credit Card number on an automated system to make a payment to a vendor for purchase of goods, services etc. e.g Account recharge on TATA SKY helpline.

  Q 2. Is this new mandate applicable only for IVR transactions?

  No. The mandate is applicable for both IVR transactions as well as transactions done using your mobile phone through applications like Ngpay or mChek e.g. buying movie tickets via ngpay. Hence, you will need to generate this IVR One Time password (OTP) even when you are shopping through your mobile.

  Q 3. How do I get an OTP for any IVR or mobile transactions on my Tata Card?

  You will need to generate the IVR One Time Password (OTP) every time you want to transact through an IVR or mobile. You can generate the IVR OTP by any of the following 3 ways-

  • SMS ‘OTP space XXXX’ to 5676791 from your registered mobile number. XXXX = Last 4 digits of your Tata Card
  • Log on to our website - tatacard.com using your user ID and password

  The IVR One Time Password (OTP) is a 6 digit numeric password that will be sent on your registered mobile number instantly. You can then use this OTP to make a payment over IVR or mobile using your Tata Card.

  Q 4. How do I use an IVR One Time Password?

  You would be required to enter your IVR One Time Password (OTP), in addition to your Tata Card no., CVV and expiry date, when prompted by the merchant IVR for IVR transactions and by the mobile application during transactions done through your mobile phone.

  Q 5. For how long is an IVR OTP valid?

  An OTP generated once is valid only for one successful transaction or 30 minutes, whichever is earlier. You will need to generate a new OTP for every new transaction.

  Q 6. What happens if I input a wrong OTP?

  You can make 3 attempts to successfully use any OTP generated on your Tata Card. In case of 3 unsuccessful attempts, you will have to regenerate a new OTP and restart the transaction.

• Closing Of Credit Card A/C

  Q1. How can I close my Credit Card Account?

  You can close your Credit Card Account by writing to us or calling the Tata Card Helpline at 1800 180 8282 or 39 02 34 56 (Prefix STD code). After placing your request for account closure, you are required to cut your credit card(s) diagonally. Your request will automatically lead to the termination of the add-on cards.

  Termination will be effective after payment of all amounts outstanding on the card account

  • If I close my account, is there any refund amount that I get?
  • Can Tata Cards (SBICPSL) also suspend/terminate the use of my card?
  • What should I do if my account is restricted/ suspended / terminated?
  • When will my account be considered closed?

  Please choose your card type to know most important terms & conditions related to above question.

  For Personal Card Click here

  For Corporate Card Click here

• Interest Charges Calculation

  • What is the current rate of finance charges and how is it calculated?
  • How is interest calculated on my card?
  • What would happen if I pay only the minimum due amount every month?
  • How is Total Payment Due in the statement calculated?

  Please choose your card type to know most important terms & conditions related to above questions.

  For Personal Card Click here

  For Corporate Card Click here

• Order of Payment Settlement

  • Minimum Amount Due (which is inclusive of all applicable taxes + EMI on Loan plans + 5% of Total Outstanding)
  • Fees & Other Charges
  • Interest charges
  • Balance Transfer Outstanding
  • Retail Outstanding
  • Cash Advance

  “Applicable Taxes” means:

  • for the cardholders having State of residence in the records of Tata Cards on the statement date as “Haryana” - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of Tata Cards on the statement date as other than “Haryana” - Integrated Tax @ 18%

• Transaction Disputes

  Understanding Disputes

  Q1. What is the time frame to report a disputed transaction?
  

  Any transaction dispute should be referred to Tata Cards via appropriate channel (as mentioned below) within 90 days from the date of transaction with the Transaction Dispute Form (TDF) and supporting documents (as mentioned in the TDF).
  
  You may report a transaction dispute through below mentioned channel:
  
  • Tata Cards Website: - To raise Dispute against a transaction, click:https://tatacard.com/trackDisp
  
  Click on login> Navigate to Services > Dispute a transaction > Select transaction you wish to Dispute > Select the requisite nature of the Dispute > Submit the Dispute request.
  The TDF is available under Forms central section on the Tata Cards website.
  
  In case, the TDF and supporting documents are not received within the time lines as mentioned in the TDF (Important Notes section), we would be unable to raise the Dispute with the acquiring bank and the liability of the transaction would lie with you.

  Further you may also report the transaction dispute through our others channels via the link below.
  Please click: - https://www.tatacard.com/tata-en/contact-us/personal.page

  
  
  Q2. Why am I required to fill a Transaction Dispute Form (TDF) to report transaction dispute?

  As per the network guidelines, in case of a dispute, the cardholder is required to provide a duly filled in Transaction Dispute Form (TDF) mentioning the details of the disputed transaction to enable / authorize the bank to investigate with the respective merchant / member bank, as appropriate.

  Q3. Do I require documentation to raise a dispute?

  Yes. Certain disputes like-cancellation, paid by other means, refund promised by the merchant, merchandise returned etc., require documented proof which vary on a case to case basis. The requisite documents are mentioned in the TDF, against each type of dispute. The Cardholders are required to retain the relevant documents.

  Q4. Will I have to pay for the disputed amount while it is under review?

  When a dispute is raised for a transaction, depending on the nature of the dispute, a temporary credit to the extent of the amount disputed may be given subject to the Company Policy while the investigation is pending. This temporary credit will nullify the effect of the disputed transaction on the total outstanding. This is to ensure that a genuine cardholder is not adversely impacted during the period of investigation. However, the ‘Open to Buy Limit’ (Credit Limit) for the disputed transaction amount will remain blocked till the investigation is complete.

  Q5. What can be the outcome of the dispute?

  Once the investigation is complete, following can be the outcomes of the same:

  • Dispute is closed in favor of the Cardholder. In this case, the Temporary Credit provided previously will be debited and a Permanent Credit will be posted towards the disputed transaction amount. The Open to Buy Limit (Credit Limit) for the disputed transaction amount will be available for usage. Reward points accrued if any towards the disputed transaction will be debited.
  • Dispute is closed as the cardholder’s liability. In this case the Temporary Credit provided previously towards the disputed transaction and Finance charges associated with the disputed transaction on your card account will be debited. Additionally, Finance charges will be charged for the period during which Temporary credit was issued to your card account.

  The Open to Buy Limit (Credit Limit) for the disputed transaction amount will remain blocked till you make a payment towards the same.

  Q6. Should I pursue with the merchant as well after raising a dispute with you?

  We will ensure an end-to-end resolution is given on the dispute. Still, the cardholder may contact the merchant directly as well.

  Q7. Will I get an acknowledgement that my dispute/claim is taken?

  A written acknowledgement will be sent confirming the dispute is taken up with the merchant. If any further documentation is required from your end to address the claim, you will be duly informed.

  Q8. How long will it take to resolve a billing dispute?

  Most disputes are resolved within 60–90 days from the date of receipt of TDF along with complete supporting documents, although complex cases may require additional time.

  Q9. How will I come to know that the dispute is resolved?

  We will send a written communication/SMS advising you about the outcome of your dispute.

• Balance Outstanding/Amount due/Available Credit Limit

  Q1. What is my credit card outstanding balance?

  Your credit card outstanding balance is an aggregate of unpaid charges billed to your Tata Card account during a particular month. It includes:-

  • Purchases
  • Purchase Returns
  • Payments
  • Insurance Premiums
  • EMIs
  • Fees interest
  • Charges and could be more click here for details

  The outstanding amount for a particular month along with the payment due date is communicated to through monthly statements and SMS alerts.

  Q2. How can I check my Credit Card Outstanding and Available Credit Limit?

  • WEBSITE: Login to your Tata Card account through tatacard.com and check the ‘Current Outstanding’ in Account Summary section.
  • SMS: SMS BAL where XXXX = Last 4 digits of your SBI Card or TATA Card number to 5676791 from your registered mobile number
  • EMAIL: Write to us at customer.care@tatacard.com
  • CALL US: Call us on our helpline number 39 02 34 56 (prefix local STD code) or 1800 180 8282 or to check the details.

  Q3. What is Total Amount Due and how it is calculated?

  Total Amount Due is the amount due for payment as on the statement date. It includes your opening balance, new purchases, fees & finance charges if any, minus your last payment or any other due credits.

  Click here to know schedule of charges

  Q4. What is Minimum Amount Due and how is it calculated?

  The 'Minimum Amount Due' is the minimum amount you are required to pay, on or before the payment due date, to maintain your card account in good standing. By calculating a minimum amount, the bank ensures that you are able to repay a portion of the principal outstanding every month.

  The Minimum Amount Due is calculated as 5% of your balance outstanding or the sum of all installments, Interest/other bank charges, the amount utilized over the credit limit, if any and 1% of remaining balance outstanding, whichever is higher. Any unpaid Minimum Amount Due from previous statements will also be added to your current Minimum Amount Due to arrive at the Total Minimum Amount Due.

  The minimum amount due for a particular month is communicated to you through monthly statements and SMS alerts.

  Click here for more details

  Q5. What happens if I do not pay any amount due before the due date?

  Not making the payment to your card account on or before the due date leads to:-

  • Levy of additional late payment fees, interest and other charges.
  • A possible suspension of your card.
  • Negative effects on your future financial credentials and a negative score at CIBIL.

  Please refer the Most Important Terms & Conditions to know the fees & charges.

  Q6. What happens if I pay only the Minimum Amount Due?

  Paying only the Minimum Amount Due every month would result in the repayment stretching over years with consequent interest payment on your outstanding balance. To view the interest, fees & charges, visit the “Most Important Terms & Conditions” according to your card type-

  For Personal Cards, click here

  For Corporate Card, click here

  Q7. How can I find out the Total Amount Due, Minimum Amount Due and Payment Due Date?

  • Website: Login to your Tata Card account and check the details in the ‘My Card’ section.

  Available Credit Limit

  Q8. What are Total credit limit & Available credit limits?

  Total Credit Limit: It is the maximum credit limit you can avail on you credit card.

  Available Credit Limit : It is the credit amount available for purchases as on date.

  SMS AVAIL XXXX (XXXX = Last four digits of your Tata Card) from registered mobile number)

  Q9. How can I get my credit limit increased?

  A. Pre-approved Credit Limit Offer ( Zero document approval )

  • Tata Card regularly identifies select cardholders for a ‘Pre-Approved Credit Limit Increase’ offer, basis internal policy.
  • Eligible cardholders will receive an increased limit offer on their registered mobile number via SMS, or via Email, Monthly Statement and in the Post Login Section.
  • Eligible cardholders can avail this offer without any additional documentation requirement.

  B. Credit Limit Increase with Income documentation

  • In case you wish to increase your limit beyond the eligible limit offered by Tata Card.
  • Email: Please write to us at sbicard.com/email and get a revert from us within 2 working days.
  • Call us: Call us on Tata Card helpline number at 39 02 34 56 (prefix STD code) or 1800 180 8282 and check with our customer care executive regarding your eligibility for a credit limit increase, basis income documents.

  • The following income documents are accepted.

  •Form 16
  •ITR VI
  •Last 2 months salary slip

  • Soft copies of the aforementioned documents can be submitted to us at customer.card@tatacard.com
  • You can physically mail your relevant income documents to: Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Building 3, DLF Cyber City, Gurgaon – 122002
  • Post receipt and review of the income documents, the request for credit limit increase will be fulfilled in accordance with the internal Risk Policy.

  Q10. How do I check if I am eligible for Pre-approved Credit increase offer?

  Though all eligible customers are informed via SMS, alternatively you can also check your eligibility for Pre approved credit increase offer.

  • Login to tatacard.com and click on ‘Offers’ or ‘Benefits’ tab on left hand side. Check for any credit limit increase offer on your account & click on the ‘Submit’ button.
  • In case you are eligible, then send SMS ‘INCR XXXX’ (last 4 digits of your card number) to 5676791 from your registered mobile number, or write to us at customer.care@tatacard.com.
  • Alternatively, call us on the helpline number at 39 02 34 56 (prefix local STD code) or 1800 180 8282.

  Q11. What is Cash limit?

  • Cash Limit is the amount included in the credit limit assigned to your card account that can be withdrawn as cash.
  • Cash withdrawal from your credit card is subject to applicability of interest charges and cash withdrawal fee.

• Authentication Declined/Card Not Identified

  Q 1) In what cases my card may not be accepted at POS machines?

  A card may not be accepted at a POS machines due to following reasons:-

  • If the card is used beyond its expiry date
  • If the card is used on other payment network
  • PIN is wrongly entered.
  • Card is blocked
  • Card is damaged.

  Q 2) What should I do if authentication is declined at point of sale terminals?

  First check the expiry date & recollect the password before using the card. You may also call us at our helpline for assistance.

• Offers on Cards (Marketing Offers)

  Q1. What are the features of my card?

  The features of a card depend on card type, click here to know about them as well as to apply for cards.

  Q2. What are the offers & deals available on my cards?

  Offers are launched time to time with a limited period validity. Some offers are restricted to specific card types, vendors & location as well.

  Click here to know all offers on Tata Card

• Transaction Status

  Q1. How can I know the transactions on my Tata Card?

  • Website: Login to tatacard.com and click on ‘My Accounts’ tab on left hand side.

  • Unbilled Transactions: These are the transactions since your last statement was generated
  • Transaction History: These are all transactions made on your account in the last 24 months.

  • Helpline: Call us on our helpline number 39 02 02 02 (prefix local STD code) or 1860 180 1290 to check the details.

• KYC Norms and Anti Money Laundering

  Introduction 

  Money laundering has become a pertinent problem worldwide threatening the stability of various regions by actively supporting and strengthening terrorist networks and criminal organizations. The links between money laundering, organized crime, drug trafficking and terrorism pose a risk to financial institutions globally. 

  The Reserve Bank of India (RBI) has instructed Regulated entities follow ‘KYC Guidelines’, in terms of Prevention of Money Laundering Act 2002, wherein certain personal information of the customer is obtained. The objective of doing so is to enable the Regulated entities to have identification of its customers. This is also in the interest of customers to safeguard their hard earned money. 

  What is Money Laundering and  Terrorist financing?

  Money laundering refers to conversion of money illegally obtained to make it appear as if it originated from a legitimate source. Money laundering is being employed by launderers worldwide to conceal criminal activity associated with it such as drugs /arms trafficking, terrorism and extortion. Terrorist financing is the financing of terrorist acts, and of terrorists and terrorist organizations. Money launderers send illicit funds through legal channels in order to conceal their criminal origin while those who finance terrorism transfer funds that may be legal or illicit in original in such a way as to conceal their source and ultimate use, which is to support Terrorist financing. 

  How this affect you as a customer?

  A key defense against money laundering is to prevent accounts being opened in false identities. Anyone wishing to open an account will therefore be asked for latest photo, proof of their identity and current address. These documents have to be essentially obtained irrespective of the type of account to be opened and the purpose for which the account is opened for. 

  The fact that these documents are asked for opening of account does not mean that you are suspected of money laundering. Criminals try to appear to be normal law-abiding citizens, for example they may try to open a number of accounts using small amount of money. Hence it is necessary to identify all prospective account holders. Anybody including a criminal could falsely use your identity, if these identity documents are not obtained.

  What is KYC?

  KYC is an acronym for “Know your Customer” a term used for Customer identification process. It involves making reasonable efforts to determine, the true identity and beneficial ownership of accounts, source of funds, the nature of customer’s business, reasonableness of operations in the account in relation to the customer’s business, etc which in turn helps the banks to manage their risks prudently. The objective of the KYC guidelines is to prevent banks being used, intentionally or unintentionally by criminal elements for money laundering.

  Whether KYC is mandatory?

  Yes. It’s a regulatory and legal requirement. 

  Regulatory: In terms of the Master Direction - Know Your Customer (KYC) guidelines issued by the Reserve Bank of India (RBI) on 25^th February 2016 and as amended from time to time all Regulated Entities are required to put in place a comprehensive policy framework covering KYC Standards and AML Measures. 

  Legal: The Prevention of Money Laundering Act, 2002 (PMLA) which came into force from 1^st July, 2005 (after “rules” under the Act were formulated and published in the Official Gazette) also requires Banks, Financial Institutions and Intermediaries to ensure that they follow certain minimum standard of KYC and AML as laid down in the ACT and the “rules” framed thereunder.   

  What is KYC Policy?

  As per RBI guidelines all Regulated Entities are required to formulate a KYC Policy with the approval of their respective boards. The KYC Policy consists of the following four key elements. 

  • Customer Acceptance Policy
  • Risk Management
  • Customer Identification Procedures (CIP)
  • Monitoring of Transactions 

  What all documents are required for KYC periodic updation?

  As per the Know Your Customer guidelines of the Reserve Bank of India, we need to periodically update customer details and obtain identification documents.

  Any one of the following documents along-with a recent passport size photograph shall suffice for ID and Current residence address proof:
  
  

  1. Passport (both sides)
  2. Copy of masked Aadhaar/Virtual ID card (mask first 8-digits of Aadhaar Number)^
  3. Voter ID Card (both sides)
  4. Driving License* (both sides)
  5. NREGA Card
  6. Letter issued by the National Population Register containing details of name and address

  (Note: ^ For seamless processing please visit https://ssup.uidai.gov.in/ssup/ to download your e-Aadhaar having the mandatory secure QR code for validation. Note, the file should not be password protected. So, take a clear photo of the e-Aadhaar copy and upload the same.)

  * For Driving Licenses issued in states where it is specifically mentioned that the document cannot be used as address proof the same will not be acceptable as an address proof KYC document.

  For more KYC Information please click here

  Who is a Customer?

  For the purpose of KYC policy a ‘customer” may be defined as: 

  • A person or entity that maintains an account and/or has a business relationship with the bank;
  • One on whose behalf the account is maintained (i.e. the beneficial owner);
  • Any person or entity connected with a financial transaction which can pose significant reputational or other risks to the bank, say a wire transfer or issue of high value demand draft as a single transaction. 

  What is a Customer Acceptance Policy?
  Customer Acceptance Policy refers to the general guidelines followed by Regulated Entities in allowing customers to open accounts with them. Generally the guidelines stipulate that no accounts shall be opened in anonymous or fictitious names or when the identity of the customer matches with any person with known criminal background or banned entities. Similarly accounts should not be opened when the entity is unable to verify the identity and/or obtain documents required as per the policy. 

  What is the Customer Identification Procedure?

  Customer identification means identifying the customer and verifying his/her identity through reliable and independent documents, data and information. The Policy also elaborates the Customer Due Diligence (CDD) process to be undertaken by Regulated Entities to identify and verify the customer.

  What documents required to be obtained from customers during onboarding? 

  Features	Documents
  Accounts of individuals - Legal name and any other names used Certified copy of any one of the document or its equivalent e-documents shall be obtained	·     Permanent Account Number/Equivalent e-document/Form 60  A certified copy of Officially Valid Document ·     Passport ·     Voter’s ID card ·     Driving License ·     Proof of possession of Aadhaar Number** (mask first 8-digits of Aadhaar Number). ·     Letter issued by National Population Register containing details of name, address ·     Job card issued by NREGA duly signed by an officer of the State Government ·     Where officially valid document presented by a foreign national does not contain the details of address, then documents issued by the Government departments of foreign jurisdictions and letter issued by the Foreign Embassy or Mission in India shall be accepted.  Additional Documents for current address Provided that in case of officially valid document furnished by the customers does not contain updated address, the following documents shall be deemed to be officially valid documents for the limited purpose of proof of address. However the customer shall submit updated Officially Valid Document with current address within a period of three months of submitting the following documents. (a)  utility bill which is not more than two months old of any service provider (electricity, telephone, post-paid mobile phone, piped gas, water bill); (b)  property or Municipal tax receipt; (c)  pension or family pension payment orders (PPOs) issued to retired employees by Government Departments or Public Sector Undertakings, if they contain the address; (d)  letter of allotment of accommodation from employer issued by State Government or Central Government Departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies and leave and license agreements with such employers allotting official accommodation;
  Accounts of companies Certified copies of each of documents shall be obtained	·     Certificate of Incorporation ·     Memorandum & Articles of Association ·     Permanent Account Number of the Company or the equivalent e-document thereof ·     Resolution of the Board of Directors and power of attorney granted to its managers, officers or employees to transact on its behalf ·     Identification information/ documents, as mentioned for ‘accounts of individual’ above, in respect of managers, officers or employees holding an attorney to transact on its behalf.
  Account of Sole Proprietary Firms Certified copies of any of the two documents there of shall be obtained	·     Registration Certificate ·     Certificate/Licence issued by the municipal authorities under Shop and Establishment Act ·     Sales and income tax returns ·     CST/VAT/ GST certificate (provisional/final) ·     Certificate/Registration document issued by Sales Tax/ Service Tax/Provisional tax authorities ·     IEC (Importer Exporter Code) issued to the proprietary concern by the office of DGFT or Licence/certificate of practice issued in the name of the proprietary concern by any professional body incorporated under a statute ·     Complete Income Tax Return (not just the acknowledgement) in the name of the Sole Proprietor where the firms income is reflected , duly authenticated /acknowledged by the income tax authorities. ·     Utility bills such as electricity, water, landline telephones bills etc. In case SBICPSL is satisfied that it is not possible to furnish two such documents, it may at its discretion accept only one of those documents as proof of business/activity.
  Accounts of partnership firms Certified copies of each of documents shall be obtained	·     Registration certificate; ·     Partnership deed; ·     Permanent Account Number of the partnership firm or the equivalent e-document thereof; and ·     Identification information/ documents, as mentioned for ‘accounts of individual’ above, in respect of managers, officers or employees holding an attorney to transact on its behalf.
  Accounts of trusts and foundations Certified copies of each of documents shall be obtained	·     Registration certificate; ·     Trust deed; ·     Permanent Account Number or the equivalent e-document thereof or Form 60 of the trust; and ·     Identification information/ documents, as mentioned for ‘accounts of individual’ above, in respect of managers, officers or employees holding an attorney to transact on its behalf.
  Accounts of Unincorporated association or body of individuals (incl. Unregistered trusts/partnership firms), Societies Certified copies of each of documents shall be obtained	·     Resolution of the managing body of such association or body of individuals; ·     Permanent Account Number or the equivalent e-document thereof or Form 60; ·     Power of attorney granted to transact on its behalf; ·     Identification information/ documents, as mentioned for ‘accounts of individual’ above, in respect of managers, officers or employees holding an attorney to transact on its behalf. ·     Such information as may be required by the SBICPSL to collectively establish the legal existence of such an association or body of individuals.
  Accounts of juridical persons, not covered above, such as Government or its Departments, societies, universities and local bodies like village panchayats Certified copies of each of documents shall be obtained	·     Document showing name of the person authorised to act on behalf of the entity ·     PAN/ Officially valid documents or the equivalent e-document thereof for proof of identity and address in respect of the person holding an attorney to transact on its behalf and ·     Such documents as may be required by the SBICPSL to establish the legal existence of such entity/juridical person.

    

  * For Driving Licences issued in states where it is specifically mentioned that the document cannot be used as address proof, the same will not be acceptable as a KYC document. 
  
  **  For Aadhaar Card, please mask/black-out first 8-digits of your Aadhaar number. Only last four digits should be readable. You can also download the masked Aadhaar through official website: https://www.uidai.gov.in – by going on home page and clicking on ‘download Aadhaar’ filling the required details and selecting the option given as “Masked Aadhaar”.

  Important points to remember: 

  • Documents should be valid on current date
  • Each document should be self-attested 

   

  What will happen if you do not provide the required KYC information/documents?

  The Company will be entitled to refuse to open the account (if you are a prospective customer) or discontinue its relationship with you citing non-provision of KYC information/documents (if you are existing customer).

• Central Know your Customer (CKYC) FAQ

  Q1. What is CKYC?

  CKYC (Central Know Your Customer) is a centralized database of KYC records of customers taking financial services from banks, insurance companies, non-banking financial companies, etc.

  Q2. What is CKYC or KIN Number?

  CKYC or KIN (KYC Identification Number) is a unique 14-digit Identifier generated for an individual on completing KYC formalities at the time of account opening / updation in any of the above-mentioned financial institutions.

  Q3. How is CKYC beneficial to me?

  Once your KYC details are registered with CKYC, you will receive a unique KIN number. You can quote this number for establishing new financial relationship/account opening with said financial institutions without having to submit your KYC documents again, provided that there is no change in your KYC document.

  Q4. Which all entities can register customers for CKYC?

  All financial institutions regulated by RBI, SEBI, IRDAI and PFRDA can register their customers under CKYC. Once you have opted for any financial product / service offered by these institutions, such as open a bank / credit card / demat account, buy an insurance policy, or invest in mutual funds, etc., they will register your KYC with CKYC.

  Q5. What is the process of completing CKYC?

  When you opt for any financial product / service from any of the financial institutions regulated by RBI, SEBI, IRDAI or PFRDA, these institutions will register your KYC details with the CERSAI (Central Registry of Securitisation and Asset Reconstruction and Security Interest of India).

  You will need to submit the following documents:

  • PAN Number
  • Identity and Address Proof
  • Passport
  • Driving License,
  • Proof of possession of Aadhaar number,
  • Voter's Identity Card issued by Election Commission of India,
  • Job card issued by NREGA duly signed by an officer of the state government,
  • Letter issued by the National Population Register containing details of name and address
  • One recent passport size photograph

  Upon successful registration, you will be provided with a unique KIN. Once the KIN is generated / updated, an SMS / E-mail will be sent by CERSAI to your Registered Mobile Number / E-mail ID.

  Q6. How do I check my CKYC number?

  You can check your CKYC number and status online by visiting the Tata Cards Website.

  Login to your Tata Credit Card Online Account and follow the steps below:

  • Go to My Profile and click on ‘CKYC Details.’(A masked ‘CKYC Number’ will be visible)
  • Click on ‘View Number’(An OTP will be sent on Registered Mobile Number)
  • Enter the OTP to view unmasked CKYC number.