The SBI Tata Star Select Credit Card is a premium card made for people who shop often at Tata stores and supermarkets. It includes benefits like shopping rewards, airport lounge access, welcome vouchers, and special milestone rewards.
If you frequently shop at places like Star Bazaar, Croma, Westside, or other Tata brands and spend a lot on groceries and dining, this card can offer you good value. It has an annual fee of 2,999 INR plus taxes and allows you to earn reward points on most of your everyday spending.
In this detailed review, we’ll explore its features, rewards, charges, benefits, and whether it deserves a place in your wallet.
Table of Contents
SBI Tata Star Select Credit Card at a Glance
| Feature | Details |
|---|---|
| Joining Fee | 2,999 INR + GST |
| Annual Fee | 2,999 INR + GST |
| Reward Rate | Up to 3 Reward Points per 100 INR |
| Reward Value | 1 Reward Point = 1 INR |
| Welcome Benefit | 3,500 INR STAR e-Gift Voucher |
| Lounge Access | 2 visits per quarter |
| Fuel Benefit | 1% Fuel Surcharge Waiver |
| Best For | Shopping, Grocery, Dining |
| Card Type | Mastercard |
Welcome Benefits of SBI Tata Star Select Credit Card
One of the major attractions of this card is its welcome gift.
After successful card activation and payment of the joining fee, cardholders receive:
- STAR e-Gift Voucher worth 3,500 INR
Since the voucher value exceeds the joining fee, many users effectively recover their first-year fee through the welcome benefit itself.
Reward Points Structure of SBI Tata Star Select Credit Card
This card offers much better rewards on everyday purchases than most standard shopping cards. You earn extra points for spending on things like groceries, dining, and shopping at department stores.
1. Earn 3 Reward Points per 100 INR on:
With this card, you earn 3 reward points for every 100 INR you spend on groceries, departmental stores, dining, and international transactions.
2. Earn 1 Reward Point per 100 INR on:
You earn 1 reward point for every 100 INR spent on all other retail purchases. Each point is worth ₹1 when redeemed through the official channels.
Example of Reward Earnings
Suppose your monthly spending looks like this:
| Category | Monthly Spend |
| Groceries | 15,000 INR |
| Dining | 8,000 INR |
| Shopping | 12,000 INR |
Total Monthly Spend = 35,000 INR
Reward Points Earned:
- Grocery: 450 RP
- Dining: 240 RP
- Shopping: 120 RP
Total = 810 Reward Points
Approximate Value = 810 INR
You could earn nearly 9,700 INR in rewards over one year. The exact amount depends on how much you spend.
Tata Brand Benefits
The SBI Tata Star Select Credit Card is designed to maximise value for shoppers who frequently engage with the Tata retail ecosystem. Its primary advantage lies in its deep integration with popular Tata brands, making it an excellent tool for families managing regular household expenses.
Here are the key benefits of the card’s association with Tata:
- High-Value Returns at Tata Outlets: Cardholders can earn up to 5% value back on purchases made at select Tata retail outlets.
- Specific Value Back on Star Outlets: You earn 3.5% value back specifically on spends at Star Bazaar and other Star outlets.
- Exclusive E-Gift Vouchers:
- Welcome Benefit: You will get a 3,500 INR Star Bazaar e-gift voucher. You receive this after you pay the joining fee.
- Anniversary/Milestone Benefits: You can earn additional e-gift vouchers worth 3,000 INR for Star Bazaar by reaching specific annual spending milestones (such as 2 lakhs INR for anniversary vouchers, or 4 lakhs INR and 5 lakhs INR for milestone vouchers).
- Strategic Reward Structure: This card offers more than standard rewards. You can earn extra reward points on particular purchases. This also includes spending at departmental stores and grocery shops within the Tata ecosystem.
- Integrated Ecosystem: The card is optimised for the Tata retail network, meaning that everyday household shopping from groceries at Star Bazaar to electronics or apparel at other Tata brands contributes directly to better redemption opportunities and savings.
Airport Lounge Access
This card is great for frequent travellers. It includes free airport lounge access.
- You get 2 free visits every 3 months.
- This adds up to 8 free visits per year.
At the lounge, you can relax before your flight. You get free food, drinks, Wi-Fi, and comfortable seats.
Travel benefits offered by SBI Cards may occasionally be updated under revised lounge access programs, so users should verify the latest eligible lounge list before travelling.
Milestone Benefits
You earn special rewards when you hit certain spending goals each year.
- Spend ₹2 Lakh: You get a 3,000 INR gift voucher.
- Spend ₹4 Lakh: You get another 3,000 INR gift voucher.
- Spend ₹5 Lakh: You get one more 3,000 INR gift voucher.
These rewards make the card a great deal if you use it often.
Fuel Benefits
This card helps you save money on gas.
- 1% off: You do not pay the fuel surcharge on transactions between 500 INR and 4,000 INR.
- Saving limit: You can save up to 250 INR each month.
This helps reduce your yearly gas costs.
SBI Tata Star Select Credit Card: Fees and Charges
Charge Type Amount
Joining Fee 2,999 INR + GST
Renewal Fee 2,999 INR + GST
Forex Markup 3.5%
Reward Redemption Fee 99 INR + GST
Cash Advance Fee 2.5% or 500 INR
Interest Rate Up to 42% annually
Eligibility Criteria
Your card approval depends on SBI Card’s internal policies. Usually, you should meet these requirements:
- Age: You must be 21 to 65 years old.
- Income: You must have a regular income.
- Credit Score: You need a good score, ideally 750 or higher.
- Residency: You must live in India.
A better credit score helps you get approved. It can also give you a higher spending limit.
Is Tata Star Select Credit Card Right for You?
This card is a good choice if you fit any of these groups:
- Grocery Shoppers: If you spend a lot on groceries each month, you will earn many rewards.
- Tata Brand Customers: You get the most value if you shop at Tata stores often.
- Domestic Travellers: You will enjoy the free airport lounge access.
- High Spenders: You get extra rewards if you spend at least ₹2 lakh per year.
Who Should Avoid Tata Star Select Credit Card?
You should skip this card if:
- You rarely shop at Tata stores.
- You want free access to international airport lounges.
- You are looking for travel-based rewards.
- You want a card with a low annual fee.
- You often make purchases in foreign currencies. (This card charges a high 3.5% fee on these transactions.)
Pros and Cons of Tata Star Select Credit Card
Pros
- Pays for itself: The value of the welcome gift is higher than the cost of joining.
- Great for daily needs: You earn good rewards when you spend money on groceries and dining out.
- Airport comfort: This card lets you use airport lounges to relax before your flight.
- Bonus rewards: You earn valuable rewards when you hit spending milestones.
- Simple value: Each reward point is worth ₹1.
Cons
- Expensive: The annual fee is high.
- Limited travel perks: It does not provide access to international airport lounges.
- Costly abroad: It charges a high fee for foreign currency transactions.
- Lack of protection: It offers very few insurance benefits.
- Niche use: It is not very useful if you do not shop within the Tata ecosystem.
Is SBI Tata Star Select Credit Card Worth It?
The SBI Tata Star Select Credit Card can be a rewarding choice for consumers who spend heavily on groceries, dining, and Tata retail brands. The combination of a 3,500 INR welcome voucher, reward points, lounge access, and milestone benefits can easily offset the annual fee for the right user.
If you want better travel rewards, international spending, or flexible cashback, other cards might be a better fit for you.
However, if you shop at Tata stores and supermarkets often, this is a great card for you.
Read More: Paytm Credit Cards: Eligibility, Benefits & How to Apply
Frequently Asked Questions (FAQs)
1. Is the SBI Tata Star Select Credit Card free for life?
No, it is not. You must pay a joining fee and an annual fee of 2,999 INR plus GST.
2. How many lounge visits can I get?
You get 2 free visits to domestic lounges every three months.
3. How much is each reward point worth?
Each reward point is worth ₹1.
4. Is this a good card for grocery shopping?
Yes. You earn extra points when you buy groceries or shop at department stores.
5. Does this card work for international airport lounges?
No, it does not include access to international lounges.
6. What credit score do I need to get this card?
It is usually best to have a credit score of 750 or higher to be approved.